Emergency Assistance is Available

Orange County’s Credit Union is ready to help our Members living in the areas affected by fires and other natural disasters. We’re here to work with our Members during difficult times to find the best solution for your needs. If you need emergency financial assistance, please call our support center at (888) 354-6228, Monday – Friday 8:00 am to 7:00 pm, and Saturday 9:00 am to 2:00 pm. 

Assistance includes:

  • Emergency Relief Loans
  • Increase in line-of-credit limits
  • Payment deferment on existing loans
  • Free express delivery of credit cards, debit cards, and checks

Emergency Loans

Personal loans of up to $5,000 will be available for each existing Member at a special fixed rate of 7.49%, with no payments for 90 days, and financing terms up to 60 months. The loan can be written for monthly repayments or due in one lump sum (subject to credit terms), dependent upon the need of the Member. Loans will be granted with a minimum of paperwork, but it will be necessary to prove residency within the disaster area as well as ability to repay. Direct deposit and automatic payments through an Orange County’s Credit Union checking account must be set up within 90 days, or the loan will revert to the prevailing personal loan rate. Other terms and conditions apply.

These smaller relief loans can be used for purposes such as:

  • Food and Shelter
  • Minor Repairs
  • Supplies (board up windows, etc.)
  • Financing for Replacement Items:
    • Furniture
    • Appliances

Bridge Loans - Loans for amounts up to $25,000 (total unsecured limit) can be granted to provide “Bridge Funds” until insurance funds are received for home damage. Each loan will be handled on a case-by-case basis.


Emergency Home Loans - The Credit Union will assist Members who have lendable equity with a special low rate Emergency 2nd Trust Deed. The loan is to assist Members to return their homes to a livable condition.

  • Maximum Loan to Value - 80%
  • Rates – 0.50% off of already low rates
  • Terms – 180 to 240 months
  • Full Appraisal will be required
    • Any physical deficiencies that could affect a property’s safety, soundness, or structural integrity must be addressed and funds must be used to correct the deficiency
    • Re-inspection 3 months after loan funding may be required to document deficiency has been corrected

Existing Credit Union Loans - Where there are existing loans, Members can request an automatic waiver of loan payments for up to 90 days. Further extensions can be granted on a case-by-case basis. Members may also request emergency line increases. No late charges will be assessed during this time; however, interest will continue to accrue.

Additional guidelines: All emergency programs are subject to loan approval guidelines. Proof of loss and documents for use of funds will be required. 

Connect With Local Resources

Preparedness is important to handle disasters. Be ready and connect with local resources in the country to help you prepare for an emergency. The following emergency organizations may be able to provide additional assistance: