Emergency Assistance is Available

Orange County’s Credit Union is ready to help our Members affected by the government shutdown. We’re here to work with our Members during this difficult time 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
  • Payment deferment on existing loans
  • Free-of-charge financial planning services through Greenpath Financial Wellness, Phone: (877) 337-3399
  • Fee waivers

Emergency Loans

Personal loans equal to 2 weeks of a Member's normal pay with a maximum of $5,000 will be available for each affected Member at a rate of 0% to be repaid in 60 days, this loan can be written for two monthly repayments or due in one lump sum, or personal loans of up to $5,000 will be available for each affected Member at a special fixed rate of 7.49%, to be repaid in 12-24 months, dependent upon the need of the Member.

Loans will be granted with a minimum of paperwork, but it will be necessary to prove employment status 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. 

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. 

Additional guidelines: All emergency programs are subject to loan approval guidelines. Documents for use of funds will be required. 

Fee Waivers

In addition to the loan services outlined above, the following account service fees will be waived:

  • NSF fees
  • Late payment fees
  • Early withdrawal penalty for certificates of deposit 
  • Return item fees
  • ATM adjustment fees
  • Minimum balance fees for checking, savings, and  money market accounts

Emergency assistance products and services are available to existing Members only.