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Overview
Government Shutdown Assistance
Financial Assistance Programs with UHFCU
As our islands feel the effects of the government shutdown, the University of Hawai`i Federal Credit Union (UHFCU) is here to support those impacted. With many local families facing sudden financial challenges, UHFCU is offering a range of financial assistance programs—including temporary payment relief, special loan options, and funds flexibility:
Emergency Shutdown Line of Credit
- 0% APR* for up to 60 days.
- Credit Limit, determined by most recent direct deposit amount.
- Pre-Established Direct Deposit with UHFCU required.
- Apply online.
Loan Payment Deferment
- You may be eligible to temporarily skip payments on certain loans.**
- This will not affect your credit or existing APR, but the duration/term of your loan will be extended.
- Complete and submit the form (PDF).
Early Withdrawal Penalty Waiver (Certificates)
- To provide added flexibility during this time, UHFCU is waiving early withdrawal penalties for Members employed by the federal government who need to access funds from their Certificates due to the shutdown.***
- Contact us for assistance.
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FAQ
Government Shutdown Assistance FAQs
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I'm a federal employee affected by the shutdown. Does UHFCU have any programs to help?
Absolutely. We understand this situation can be stressful, and we’re here to help. We’re offering financial assistance options like loan payment deferrals, waived penalties for early Certificate withdrawal, and emergency relief loans to help bridge the gap until operations resume.
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What should I do to get started?
Contact us with your name, phone number, and branch of government. We’ll reach back out and connect you with a UHFCU representative who can guide you through available options.
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I'm interested in the emergency relief loan. Is there anything I should prepare before contacting you?
Yes. Please gather your most recent pay stubs or income statements. That’ll help us review your situation quickly and find the best solution for you.
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I'm a federal employee affected by the shutdown. Does UHFCU have any programs to help?
Any members participating in the Government Shutdown assistance programs must be in good standing and an existing UHFCU member as of October 15, 2025.
Line of Credit - 0% APR for 60 days
*Annual Percentage Rate. Applicant must be federal employee impacted by the government shutdown. Payroll direct deposit and UHFCU Checking account required. The line of credit amount will be equal up to one month net (take home) pay, not to exceed $5,000.00. The standard interest rate associated with this loan is 15.00% APR. Interest will accrue and be paid monthly. At the end of the 60-day term, interest will be refunded. If a balance is kept past 60 days, we will charge the interest retroactive to the date of the first original advance, and the line of credit will be adjusted to the final credit limit, as determined by UHFCU. Certain restrictions and exclusions may apply. Offer, terms, and rate subject to change without notice.
Loan Payment Deferment
**Deferring a loan payment will result in an extension of the original loan term and that interest will continue to accrue at the rate disclosed in my original loan agreement. No late charges will be imposed during the skip period. Monthly premiums for Debt Protection will continue to be added to the loan during the month skipped. Vehicle Loans: GAP and/or Warranty Coverage will not be extended beyond the original maturity date. Similar options are available for real estate and credit card holders. Please contact UHFCU to discuss those options as well. Certain restrictions and exclusions may apply. Offer, terms, and rate subject to change without notice.
Early Withdrawal Penalty Waiver (Certificates)
***Certain restrictions and exclusions may apply. Offer, terms, and rate subject to change without notice.
