We know the government shutdown could be a source of stress and financial strain. Please know your credit union is here to support you with relief options designed to help you and your family through challenging times.
Rest assured, your money at CFCU remains secure and fully accessible without interruption. All deposits are federally insured by the NCUA up to at least $250,000 per member. This does not change during a shutdown.
Emergency Relief Loan*
An easy-to-get loan to get immediate relief.
- $1000 loan
- 0% APR* for 12 months
- No payment due for first 90 day
Skip-a-Pay**
If you have a CFCU loan, you may be able to skip a payment.
- You can skip any two eligible monthly CFCU loan payments within a 12-month period.
- $20 fee will be waived if related to the government shutdown.
Note: If you are ineligible for Skip-A-Pay, please contact us at 707-546-6000, Ext 8097 for assistance.
Share Secured Loan
Borrow against your CFCU savings or certificate account.
- Flexible rates and terms available
Rapid-Dough Loan***
A quick $500 when you need it most. Funds delivered in minutes!
- No credit check
- $500 loan
- 18.99% APR* for 12 months
- Funds delivered automatically to your CFCU account
- $20 origination fee will be waived if related to the government shutdown
To Apply:
How to Apply
To apply for any of these options:
- Online: Visit comfirstcu.org/personal and click the “Apply Today” button
- Visit your nearest CFCU branch
- Call us at 707.546.6000
We’re Here to Help
We’re committed to standing by our members in uncertain times. If you are impacted by the government shutdown, please don’t hesitate to reach out.
Disclosures
*APR= Annual Percentage Rate
*Emergency Relief Loan: Must be a CFCU member as of 9/1/25 or prior.
**Skip-A-Pay: This offer does not guarantee eligibility. Rates, terms, conditions, and loan eligibility may change at any time. Skip-A-Pay is extended to qualified members and is subject to Community First Credit Union’s (CFCU or Credit Union) final approval. CFCU reserves the right to terminate this offer if your financial status changes prior to the Credit Union’s approval. All accounts with (CFCU) must be current and in good standing at the time of the request, which includes, but is not limited to the following: 1. No negative share balances greater than 30 days; 2. On time payment history with no (30)-day late payments; 3. Loan(s) cannot be under a bankruptcy plan, charge off, repo, foreclosure, modification, or consecutive payment plan ; 4. Loan(s) cannot have Collateral Protection Insurance (aka Force-placed insurance or lender-placed insurance). Additionally, the consumer loan cannot have a Skip-a-Pay in the last (12) months of payment history from the on-set of the loan or since the last Skip-a-Pay. Loans must have minimum balance of $1000.
Important Things to Consider: Skip-A-Pay is extended to qualified members and is subject to Community First Credit Union’s (CFCU or Credit Union) final approval. Finance charges will continue to accrue at the rate provided in your original loan disclosures and agreements; Deferring a payment will result in higher total finance charges than if you made payments as originally scheduled; Skip-A-Pay will extend the term of your loan(s) and you will have to make an extra payment(s) after you loan(s) would have otherwise paid off.
Payment Transfers and Recurring Payments: For payment transfers you generate (recurring payments set up through digital banking, payments set up with a bill payment service, payments initiated at another financial institution, etc.), you are responsible for stopping the payment for the month you are approved to skip.
GAP Insurance: For members who have Guaranteed Asset Protection (GAP), please refer to your policy as this may affect your coverage.
CFCU reserves the right to change or discontinue the Skip-A-Pay service at any time.
***Rapid-Dough: Maximum of 1 Rapid-Dough loan at a time. Must be a CFCU member for at least 6 months. Eligibility for Primary Account owner only. Must have a CFCU checking account with direct deposit to receive your funds. No current delinquencies, negative balances, or history of bankruptcy.
