Employee Assistance Program Resources

Financial Institution Offerings for Furloughed Employees 

The FBI does not endorse any specific business and only provides this temporary listing for informational purposes to possibly help alleviate any financial obligations while furloughed. Employees may review the information below and inquire further with those listed, or with others, that meet their needs.


Credit Union – Non-Member Assistance


Credit Union of Denver

  • No-interest loans for the first 30 days and waiving CD penalty fees for those who need to cash in early.


Credit Unions – Assistance for Members Only


ABNB Federal Credit Union

  • ABNB Federal Credit Union is offering assistance to members affected by the government shutdown. Options include their Skip A Pay program and a short-term loan at 0% APR up to your direct deposit amount. Call ABNB’s Member Center at (757) 523-5300 for assistance.


AgFed Credit Union

  • AgFed Credit Union says its members and their family members may be able to defer payments on their AgFed consumer loans with the Skip-a-Payment option.

  • Contact them at (800) 368-3552 or members@agriculturefcu.org


America First Federal Credit Union

  • If you have been furloughed from your current employer, you may be eligible for assistance. Assistance options range from temporary reduced payments to short-term payment deferments. In order to qualify, employees will need to provide the following documentation:

    • Letter of hardship explaining the need for assistance

    • Updated loan application

    • Most recent paystubs

    • List of your current debts, including utilities, insurance, and other necessities

    • Visit https://www.amfirst.org/government-shutdown-assistance/ for more information.


Cabrillo Federal Credit Union

  • Cabrillo members who have signed up for the Payroll Assurance Loan (PAL) will receive an available 0% APR line of credit on their regular payday, equal to the amount of their last check, even when the government doesn’t issue their payroll.

  • Cabrillo is also offering a Furlough Loan, for up to 24 months at a 0% introductory rate for the first 2 months, then 5% APR for the remained of the term for members with direct deposit.

    • Members without direct deposit will receive a rate of 9% APR with no 0% introductory rate.


Elevations Credit Union

  • Elevations Credit Union is allowing its members to skip loan payments while the shutdown is in effect.


ENT Credit Union

  • ENT is offering affected members a 90-day no-interest loan equal to their monthly paycheck.


Hanscom Federal Credit Union

  • https://www.hcfu.org/lifeline-loan.html

  • HFCU is offering a LifeLine Loan to offer financial assistance to Federal Government Employees.

    • 0.0% APR* for the first 60 days, up to one month’s net payroll up to $5,000

    • For those needing more than 60 days to repay, the loan will be converted for easy repayments over a 12-month term at a low fixed rate of 8.49% APR*

    • Predictable payments fit into your budget and are designed to be paid off within a year.

  • HFCU is also waiving certificate fees.

    • Penalties will be waived for federal employees making withdrawals from certificates during the furlough period.

  • Employees may also qualify to skip a payment on select loans.

    • Speak with a representative at (800) 656-4328.


Justice Federal Credit Union

  • To apply for assistance, 6-months of Membership is required.

    • Special Assistance Loans to member’s net pay for one period, not to exceed $3,000 with rates as low as 3.19% APR for 24 months and payments deferred for 90 days.

    • Deferred Loan Payments on all existing Justice Federal personal, auto loan, and VISA credit cards. Members requesting and qualifying for a Consumer Loan payment deferment may obtain a deferment up to 30 days. Based on the length of the Federal Government Shutdown, members may request additional 30 day deferments.


Mountain America Credit Union

  • For Mortgage Loan assistance, call (801)325-1369.

  • For Home Equity Loan, Home Equity Line of Credit (HELOC), or Student Loan assistance, call 1(844) 852-2405.

  • For Auto or RV loan, Visa credit card, or personal/signature loan assistance, call (801) 325-0423 or (801) 325-6479.


NASA Federal Credit Union

  • Members who are experiencing delayed paychecks or furloughs as a result of the shutdown are eligible for a special Furlough Relief Loan.

  • This loan will allow members to access up to $10,000 for up to a 60-month term

    • Interest-free and payment free for 60 days

    • This offer is available through January 31, 2019

  • Visit https://www.nasafcu.com/shutdown-assistance/ for more information.


Space Coast Credit Union

  • Space Coast Credit Union (SCCU) is offering its members a 0% APR loan for 12 months, equal to one month’s pay. To get help, call SCCU Express Services at (800) 447-7228.

  • SCCU is also providing members with the option to withdraw up to $10,000 on an SCCU certificate of deposit without being charged any early withdrawal fees.


Sunwest Credit Union

  • No-interest loans for the first 30 days and waiving CD penalty fees for those who need to cash in early.


Wasatch Peak Credit Union

  • Wasatch Peak Credit Union is offering the chance to Skip-a-Pay or receive personal loans. Visit https://wasatchpeaks.com/component/k2/item/804-government-shutdown-assistance for more information.


Banks/Credit Cards – Account Holders Only


Bank of America

  • Bank of America has set up a priority assistance phone line that clients can contact at (844) 219-0690 to offer personalized financial assistance tailored to their specific situation and financial needs.


Citibank

  • To find out about assistance that may be available, call (888) 248-4226.


Citizens Bank

  • Citizens Bank is offering a loan to customers with an interest rate of 1%, a repayment period of 3 years, personal loan amounts of $5,000 - $10,000 and possible payment deferments of up to 2 months.


Chase Bank

  • Chase is encouraging customers whose income is affected by the shutdown to call them to discuss a hardship program. The programs are open to federal employees or those who do business with a U.S. federal agency. The special care line is (888) 356-0023.


USAA

  • USAA Federal Savings Bank is offering a special government shutdown loan program to support eligible members who serve in the Coast Guard, National Oceanic and Atmospheric Administration Corps, or the Public Health Service Corps and have a deposit relationship as of January 13, 2019, with USAA Federal Savings Bank.

  • USAA is also offering other relief to impacted federal employees, including:

    • Deferred payments on USAA Credit Cards and Consumer Loans

    • Auto Insurance

  • You can call USAA’s lending team at (210) 531-8722 to see if you qualify.


U.S. Bank

  • U.S. Bank created a new, low-rate quick loan for federal employees affected by the shutdown.

    • These short-term personal loans can range from $100 to $6,000.

    • Customers with any U.S. Bank product, including mortgage auto loans, or U.S. Bank credit cards can apply.

  • Call (877) 760-6046 for more information.


Wells Fargo

  • Wells Fargo will work with customers whose income is disrupted as a result of the shutdown. Customers can call the newly-established customer assistance line at (800) 219-9739 to be connected with a team member who can assist based on their needs, or visit any Wells Fargo branch for assistance.

  • Visit https://www.wellsfargo.com/help/governent-shutdown/ for more information.


Financial Resources 

WorkLife4You – Federal Occupation Health-contracted service operates 24/7 and will research and connect to services local to the caller, as well as referrals to budget counselors.

  • Telephone: (866) 810-6313

  • Website: www.WorkLife4You.com - Screen Name: 4balance (case sensitive); Password: 4balance (case sensitive) 

  • Free consultations with certified financial planners plus free credit and debt counseling

  • Free attorney consultations and 25% off additional legal services

  • Free preparation of a family budget, simple will and simple living will; low-cost preparation of power of attorney and health care directives

  • Free in-person elder care assessment from a Professional Geriatric Care Manager

Lifemart provides discounts on every day needs such as travel, home and auto, groceries, family care, wellness, apparel, parent deals, retail stores, and more.

TSP Thrift Savings Plan (TSP): www.tsp.gov or call (877) 968-3778. For hearing impaired users, the TDD number is (877) 847-4385. Representatives are available 7 a.m. to 9 p.m. ET, Monday through Friday.

  • All TSP participants may take one general purpose loan at a time. To adjust your personal contribution to the TSP, you must log on to your Employee Personal Page at www.nfc.usda.gov.


Community Resources 

The FBI does not endorse any specific business and is only providing this list for informational purposes.

211 – Answers Please: ‘211’ is an FCC-designated universal number for an information and referral service to connect citizens to social service providers and community resources. ‘211’ is available in every state, but may not be available in every community. DC residents can call (205) 463-6211.

Federal Employee Education and Assistance Fund (FEEA): www.feea.org (202-554-0007). FEEA has various resources available to federal employees, including emergency assistance funds, child care resources, and educational scholarships.

Justice Federal Credit Union (JFCU): www.jfcu.org offers account holders assistance in the form of unsecured, low interest loans and deferred payments.

National Foundation of Credit Counselors (NFCC): www.nfcc.org (800-388-2227). A nonprofit organization that provides counseling to consumers on credit, housing, bankruptcy education, and more. The website includes a national directory of consumer financial counselor providers.

United Way: www.unitedway.org. United Way member agencies have resources to provide financial assistance, budget counseling, and more. Find locators for local affiliates on the national website.


Other Resources 

Employees can also consider using a special program offered to federal employees by banks, credit unions, and other financial institutions. For example, the Justice Federal Credit Union, which is open to all FBI employees, is now offering unsecured personal loans and refinancing of existing loans. Other financial institutions have similar programs. Information about many of these programs can be found at www.NAFCU.org. Employees should also check with their personal financial institutions to identify available programs.

If a creditor requires proof that an FBI employee has had their pay disrupted by the shutdown, HRD has developed a notification letter on FBI stationery. If you need a letter, please call the HRD Call Center at (202) 324-3333 to have it sent via email. You can provide the letter to a financial institution or creditor to document your status; however, it does not relieve you of any debt or financial obligation. The Call Center is open from 8 a.m. to 6 p.m. ET, Monday through Friday.

FBI EAP is available to assist during this stressful time. Contact your division or field office EAP Peer or call the EAU at (202) 324-5244. After hours, please call SIOC at (202) 323-3300 for emergencies and they will connect you to the appropriate EAP personnel.