At US Community Credit Union, we believe in standing by our members, especially in times of uncertainty. If you’re part of the government workforce currently affected by the shutdown, we understand the financial stress this situation may be causing. That’s why we’ve created the Furlough Assistance Loan, a short-term solution to help you bridge the gap.
What is the Furlough Assistance Loan?
The Furlough Assistance Loan is designed to provide immediate financial support and peace of mind. If you’re facing a temporary loss of income due to the shutdown, this loan offers relief without interest*, because helping you stay financially stable is one of the values you can trust.
Loan Highlights:
- 0% APR loan up to $4,000*
- No interest for the first 60 days*
- Must provide a furlough letter or your last government pay stub
- If not paid in full after 60 days, the loan converts to your qualified rate with a 36-month repayment term*
Additional Financial Relief Options
We know that every situation is unique. In addition to the Furlough Assistance Loan, we’ve made several options available to help ease your financial load:
- Auto Refinance: Move your auto loan from another financial institution to USCCU and enjoy no payments for 90 days¹
- Loan Skip-A-Pay²: Waived fees for qualified members
- Loan Payment Extensions: If you have existing USCCU loans, let’s talk about modifying your payment schedule
- Club Account Withdrawals: We’re waiving early withdrawal fees on Vacation and Christmas Club accounts
How to Get Started
If you think you may qualify, or just want to talk through your options, we’re here to help. Complete the Furlough Assistance Request Form or contact our team directly at 615-256-8712.
Your well-being is our priority—and we’re proud to stand beside you through every life chapter, especially the challenging ones.
Click Here to Download the Furlough Assistance Loan Form
Disclosure:
*APR=Annual Percentage Rate. Rate current as of 10-8-2025. The Furlough Assistance Loan is a step rate loan with an initial APR of 0% for the first sixty (60) days, and a subsequent interest rate in an amount to be determined and disclosed at the time of loan origination based on the applicants credit worthiness. This loan is designed to serve as a short term solution to assist Federal Government employees throughout the furlough period and be paid off upon receiving their next paycheck. If loan is not repaid in full within the initial 60 days the rate will default to applicant’s qualifying rate for a 36-month term as determined and disclosed at the time of loan closing. Rates and terms subject to change. All loans subject to approval. Membership required. Terms and conditions apply.
¹Interest begins accruing upon disbursement of loan. Deferred payment option available upon request. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. All loans subject to approval.
²Mortgage Loans, Home Equity Loans, Certificate Secured Loans, and Visa Accounts are not eligible. Other conditions and restrictions may apply. See the Skip-A-Pay Policy and Agreement for full terms and conditions.