photo of the U.S. capitol
photo of the U.S. capitol

Government Shutdown Relief Options for Members

Intro Statement:

Orange County’s Credit Union is prepared to support our Members who may be affected by the federal government shutdown as of October 1, 2025, as Congress did not pass a funding bill. We understand that many of our Members work for federal, county, and other government agencies, and a shutdown could result in furloughs, delayed paychecks, or financial uncertainty. We are here to help you navigate this challenging time with flexible financial solutions tailored to your needs.

Ways We Can Help You Right Now:

Emergency Relief Loans – Up to $5,000 at 6.00% fixed rate, with no payments for 90 days and flexible repayment terms.

Bridge Loans – Up to $25,000 (total unsecured limit) to help cover income gaps until federal pay resumes.

Payment Relief on Existing Loans – Waiver of loan payments for up to 90 days, emergency line-of-credit increases, and no late charges during the shutdown (interest continues to accrue).

Free Express Delivery – Credit cards, debit cards, and checks when you need them fast.

Emergency Relief Loan Details:

  • Up to $5,000 at 6.00% fixed rate
  • No payments for 90 days
  • Terms up to 60 months
  • Flexible repayment options: monthly installments or lump sum

Eligibility:

  • Employment with a government agency affected by the shutdown
  • Proof of ability to repay
  • Direct deposit + automatic payments through an Orange County’s Credit Union checking account (within 90 days)

Additional Support:

Financial Counseling with GreenPath

We’ve partnered with GreenPath Financial Wellness to provide free, confidential financial counseling to help you:

  • Budget during income disruption
  • Manage debt and credit
  • Explore housing and utility assistance options
  • Create a personalized action plan

Call (877) 337-3399 or visit greenpath.com to schedule.

Need assistance now?

Call our Support Center at (888) 354-OCCU (6228)
Monday – Friday: 8:00 AM – 7:00 PM
Saturday: 9:00 AM – 2:00 PM

Important Notes: All emergency programs are subject to standard loan approval. Proof of employment impact and documentation of fund use required.