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Government Shutdown: HFCU Member Relief Options







As of October 1, 2025, the federal government has entered a shutdown. While your funds at HFCU remain safe and fully insured by the NCUA, we recognize that many of our members, especially federal employees and government contractors, may be experiencing a sudden disruption in income.

If you are impacted, we're here to help. Below are the current relief options available to you.


Loan Modification Program (Shutdown-Specific)

We’ve launched a temporary loan modification option to help members impacted by the shutdown:

  • Simplified process: Reduced paperwork for furloughed employees
  • Short-term payment relief:
    • Up to 8 weekly, 4 biweekly, or 2 monthly payments deferred
    • Maximum of 60 days deferred, per our loan policy
  • Excludes share secured loans, real estate loans, and credit card loans
  • Documentation required: proof of furlough or delayed pay, hardship letter, and for vehicle loans, copy of vehicle odometer and proof of valid, full coverage insurance for vehicle in question

Payment Deferral: Skip-a-Pay Option

If you need more flexibility, consider deferring your upcoming payments:

  • Defer your November and/or December payment(s)
  • $25 fee per loan, per month skipped
  • Loan maturity extended; interest continues to accrue
  • Available for members who haven’t maxed out Skip-a-Pay usage (maximum of two skipped payments per loan)
  • Requires signing a deferral agreement
  • Applies only to qualifying loans

Your Funds Are Safe

Even during a government shutdown, the NCUA remains fully operational, and your deposits at HFCU are safe and insured up to applicable limits.


Need Help?  We're Here for You

This situation is temporary, but your well-being is always our priority. HFCU is committed to helping you manage financial challenges with support that’s both compassionate and responsible.

We’ll continue monitoring the shutdown and will adjust our support if needed.

Don't wait, please reach out to us: