Government Shutdown Relief

We’re Here To Help

In the event of a government shutdown, SDCCU members whose pay has been impacted may be eligible for assistance. Qualified members can take advantage of a 90-day loan deferral for Consumer loans (Auto Loan, Signature Loan, Credit Card or Personal Loan), a 90-day loan forbearance for Real Estate loans and those with an existing payroll direct deposit, may be eligible for a 0% APR Personal Direct Deposit Loan.

90-Day Loan Deferral¹

• Defer each open Consumer loan for up to 90 days

90-Day Loan Forbearance²

• Forbearance for each open Real Estate loan for up to 90 days

0% APR Personal Direct Deposit Loan³

• For the amount of your last net payroll direct deposit, up to $5,000

Apply Today!

Review the Consumer Loan Request Form or the Real Estate Request Form and return to any SDCCU branch or call us at (877) 732-2848. 

Membership required. Documentation that member is a federal government employee whose pay is impacted by the government shutdown must be provided. Account must be in good standing.

¹ Finance charges will continue to accrue at the rate provided in the original loan disclosures and agreements. Deferring a payment(s) will result in higher total finance charges than if the payments were made as originally scheduled. A deferment may extend the term of the loan(s) and extra payment(s) may be required after the loan(s) would have been paid off as provided in the original loan disclosures and agreements. The first payment required after the deferment period will include all finance charges accrued since the last payment was applied.

² Finance charges will continue to accrue at the rate provided in the original loan disclosures and agreements. A payment forbearance pauses the mortgage payments. Late charges and negative credit reporting is suspended during the forbearance. The payment will be due at the end of the forbearance period. 

³ Must have an existing payroll direct deposit preceding the government shutdown. On the day direct deposit of pay resumes, funds will be automatically deducted as repayment and the loan will be paid in full.

Other terms and conditions may apply.