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Government Shutdown
Resources

TCU is Here to Help During These Difficult Times

If you're a federal employee experiencing a disruption in pay due to the government shutdown, Travis Credit Union is committed to helping you with special programs, so you stay on track.

Skip-A-Pay¹

If you're temporarily out of work due to the government shutdown, you may qualify to skip up to two month’s payment on eligible TCU loans such as auto, credit cards or personal loans.

Submit Your Request

To waive fees, use promo code: Government Shutdown.

Paycheck Assistance Loan²

A 0% APR Loan for up to 90 days during the government shutdown is offered to federal government employees, military service members, or federal contractors paid directly by the government whose direct deposit is impacted.

Qualifications:

  • Must be a member in good standing
  • Must have direct deposit of pay into a TCU account
  • Maximum loan amount is the lesser of:
    • 100% of the member’s net monthly income, or
    • Maximum amount of $6,000
  • Only one loan per member during the government shutdown
  • Loan must be set up and disbursed on or after the government shutdown begins

Apply Today

Select "Paycheck Assistance Loan" under type of loan.

Mortgage Hardship Assistance

We’re here to support you. If the government shutdown has impacted your ability to make home loan payments, our knowledgeable team is here to guide you through your options.

To discuss your situation and explore available assistance, please contact us at (800) 844-0008, and select Option 2 or submit an online request below.

Submit Your Request

Servicing Your TCU Accounts

If the government shutdown has impacted your finances, you may be eligible for overdraft fee waivers.

To learn more about your options, contact us at (800) 877-8328 or visit your local TCU branch to speak with a team member today!

1. Skip-a-Pay: Members can skip loan payments on installment loans or line of credit up to twice per rolling 12-months, per loan. Credit Cards can skip only one payment per rolling 12-month period. A fee of $40 may be assessed for each approved Skip-A-Pay request processed via the online channel. Those requests processed in the branch or by the Member Service Center may be assessed a processing fee of $50.00. The fee may be paid by transfer from your checking, savings or money market account or it can be added to the balance of the loan. Loans with co-borrowers can only be processed upon receipt of a signed authorization by all parties to the loan. Mortgages, Home equity loans, and home equity lines of credit, are ineligible for Skip-a-Pay. All accounts must be current and at least 12 months of good payment history is required to be eligible. Other restrictions may apply. The interest on the loan continues to accrue, and all other terms and provisions remain unchanged. Your deferred payment(s) plus any additional accrued interest will be paid at the end of your loan.

Skipping payments will increase the finance charges and extend the terms of the loan. Should the length of the loan exceed the maximum term allowed for Guaranteed Asset Protection and you incur a claim, only a portion of the Gap will be cancelled.

In agreeing to this extension the Credit Union is not waiving any rights under the loan agreement. The original loan payment schedule will be restored at the Credit Union’s option in the event that the borrower fails to make any payment as scheduled, the loan can be accelerated and the entire unpaid balance plus accrued interest, charges and costs will be immediately due. Except for the change in the payment schedule and increase in finance charges, the terms of the loan agreement are unchanged.

2. Paycheck Assistance Loan:

LOAN
AMOUNT
 
TERM
 
APR*
PAYMENT
PER $1,000
$500.00 - $6,000.00 Up to 36 Months** 9.74% $32.15

*APR (Annual Percentage Rate). The loan offers 0% APR from funding until 30 days after the federal budget is in place or 90 days – whichever comes first. All loan rates are subject to change daily without notice. For more information, please call (707) 451-5350 or (800) 449-4110.

**Payment per $1,000 balance is based on an APR that is a representative rate for each product and term that is currently offered.

The payment examples listed are with the maximum term. For example: for a 3-year (36-month), $3,000 Payment Assistance loan at the rate of 9.74%, multiply 3 x $32.15 for a payment amount of $96.45 (loan amount/$1,000 x payment example = payment amount).

***Actual term based on amount financed.

Program is subject to change without notice.

Effective Date 10/1/2025