Federal Government Shutdown Assistance
If you've been impacted by the federal government shutdown, we are here to help.
Credit union members whose pay has been affected by the current government shutdown may take advantage of our special relief programs.
- Loan Payment Assistance
Members may request a one-time payment skip on a Consumer auto loan and/or a Signature Plus loan (Personal Loan) with the modification fee1 waived. This assistance is in addition to our regularly offered skip-a-payment programs and requirements.
- Penalty-Free Certificate Withdrawals
Members with certificate accounts may request early withdrawal to cover expenses with no fees or penalties.
- Special Annual Percentage Rate (APR) Signature Plus Loan2
Members may apply for a Signature Plus Loan (Personal Loan) with a reduced APR of 4.99% (4.00% lower than our lowest rate of 8.99% APR). Members may receive up to 2 times their most recent net paycheck, not to exceed $3,000. Limit one reduced-rate Signature Plus Loan per member. Signature Plus Loan terms of 12 to 36 months are available based on loan amount.
Term | Minimum Loan Amount |
12 Months | $500 |
24 Months | $1,000 |
36 Months | $2,500 |
Eligibility
- Verification of federal employment status (direct deposit or paycheck stub).
- Membership at California or North Island Credit Union prior to the government shutdown (October 1, 2025).
Call (800) 334-8788 or visit any California or North Island Credit Union branch locations.
Terms and Conditions
1 Modification fees range from $25 – $40.
2 Current Signature Plus Loan rate at 8.99% APR (APR=Annual Percentage Rate) . A sample payment at 4.99% APR for 24 months per $1,000 borrowed with 45 days to first payment: 23 monthly payments of $43.96 and a final payment of $43.86. Limit one reduced-rate Signature Plus Loan per member. Normal underwriting guidelines apply. Signature Plus Loan terms of 12 to 36 months are available based on loan amount. Your overall creditworthiness will determine the amount available to you. All loans are subject to credit approval. Rates, terms, and conditions are subject to change. Restrictions apply. Offer valid from October 1, 2025 until an agreement is reached and government funding is restored.
