SDCCU customers whose pay has been impacted by the federal government shutdown may be eligible for assistance

SAN DIEGO, Calif., (February 2, 2026) — San Diego County Credit Union® (SDCCU®), one of Southern California’s largest locally-owned financial institutions, is providing financial relief for customers impacted by the potential government shutdown. SDCCU customers who are federal government employees and whose pay has been impacted by the government shutdown may be eligible for assistance. Eligible customers may be able to take advantage of a 90-day loan deferral1, a 90-day loan forbearance2,and a 0% APR Personal Direct Deposit Loan3.
 
“Since 1938 SDCCU has proudly put the needs of our customers first, especially during times of uncertainty,” said SDCCU President and CEO Teresa Campbell. “In the event of a government shutdown, we are committed to standing alongside our customer by offering financial solutions and flexibility to help them navigate this disruption with trusted support when it’s needed most.”

The 90-Day Loan Deferral allows customers to postpone each open loan payment for up to 90 days.

The 90-Day Loan Forbearance allows customers to pause each Real Estate loan payment for up to 90 days.
 
To be eligible for the loan deferral or forbearance, existing SDCCU customers must provide documentation that they are a federal government employee whose pay is impacted by the government shutdown. Their account must also be in good standing.

The 0% APR Personal Direct Deposit Loan is available for the amount of the member’s last net payroll Direct Deposit up to $5,000 with no credit check. To take advantage of this loan, customers must have an existing Direct Deposit with SDCCU preceding the government shutdown and their account must be in good standing. On the day the Direct Deposit of pay resumes, funds will be automatically deducted as repayment and the loan will be paid off in full.

1Finance 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.

2Finance 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.

3Must 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.

SDCCU is one of the nation’s top credit unions and was named one of America’s Best Regional Credit Unions in 2026 by Newsweek, ranked a top credit union in California in 2025 by Forbes, and voted San Diego’s BEST Credit Union for 2025 in The San Diego’s Union-Tribune Readers Poll. SDCCU proudly serves the financial needs of customers in Southern California counties, including Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara and Ventura. SDCCU has more than 413,000 customers and 30,000 surcharge-FREE ATMs. SDCCU provides breakthrough banking products that meet the demands of today’s lifestyle and delivers banking services that save customers money. SDCCU is leading the way, offering FREE Checking with eStatements, SDCCU mobile banking, mortgage loans, auto loans, Visa® credit cards and business banking services. Federally insured by NCUA. Membership required. Equal Housing Opportunity. NMLS #580585. For more information, visit www.sdccu.com.
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