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Credit Union West
Routing Number: 322172153
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Home Borrowing Government Shutdown Assistance

Government Shutdown Assistance


We Are Always Here To Help


We are deeply committed to assisting our members and community through tough times by offering affordable  financial solutions. That's why we've created a special Financial Relief Program to help individuals and families in the event of a government shutdown. 

How to Qualify


Our Relief Program is designed to help:

  • Federal employees who have experienced a paycheck disruption, individuals whose government benefits have been delayed, and individuals experiencing financial hardship due to a government shutdown
  • Credit Union West members or individuals eligible to become a member. This is limited to Arizona residents who live, work, or worship in Apache, Cochise, Coconino, Gila, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai or Yuma county
  • Loan eligibility is based on approved credit (OAC)
Our special Financial Relief Program options will be made available if payment disruption occurs. Please visit this page for ongoing updates and details.

Financial Relief Program

for Individuals whose Income is affected

0% APR1 Loan

 
Eligible members can open a new personal loan with 0% Annual Percentage Rate (APR) for up $6,000. A 90-day no payment option is also available.2 

Skip-A-Pay Fee Waiver

 
 With one or more existing Credit Union West loans, eligible applicants may apply to skip their next monthly payment at no cost.3 


Loan Extension

 
If you need assistance with your Credit Union West loan or credit card that doesn't qualify for Skip-a-Pay, a loan extension may help.4 














All The Details

0% APR1 loan



  • 0% APR on approved credit
  • Up to a maximum 2 year term 
  • Up to $6,000 loan amount
  • 90 days payment free2 
  • Affordable monthly payments
 

skip pay fee waiver3



  • Skip a payment on your existing Credit Union West Personal, Auto, RV, Boat, or Motorcycle Loans.
  • Processing fee is covered   


Loan extension4



  • Existing Credit Union West Business Loan, Credit Card, Credit Reserve, Home Equity Loan, HELOC, or Signature Line of Credit, you may qualify for a loan extension

Get in touch





Join Today

 
 
  • Not a Credit Union West member?  Arizona residents who live, work, or worship in Apache, Cochise, Coconino, Gila, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai or Yuma county, may be eligible to become a member and apply for our relief loan.













Instant Answers

All federal government employees whose pay is impacted by a government shutdown are eligible for this special Personal Loan until income is reinstated. This may include active-duty service members of all service branches. Individuals who receive government benefits such as Social Security Disability Insurance, Supplemental Security Income, or Veterans Pension Benefits whose payments have been impacted may also qualify.

If you have been financially impacted by a government shutdown in other ways, contact us by calling 602.631.3200 or sending us a secured message through Mobile and Online Banking. You may also email our team at MemberCareTeam@cuwest.org to see how we can help.

Our Skip-a-Pay option is available for existing Credit Union West Personal, Auto, RV, Boat, or Motorcycle Loans when certain qualifications are met.
 
Alternatively, if you need assistance with a credit card payment or other type of loans including HELOCs and Home Equity loans, you may qualify for an extension. See if you qualify.
If a government shutdown occurs, eligible members can request to skip a payment on a eligible loan or receive a loan extension as well as open a new no-interest loan.

If you are in need of additional financial assistance or would like help with setting up payment arrangements, we’ve put together a financial assistance team to support you during this challenging time. Please contact us by calling 602.631.3200 or emailing our team at MemberCareTeam@cuwest.org to see how we can help.

Yes, non-members can apply for the 0% APR Personal Loan in the event of a government shutdown. During the loan application process we will also review your Credit Union West membership application.

Be aware, you will still need to meet the following eligibility:

  • Must be a federal employee or individual who receives government benefits whose income has been affected by the government shutdown, or an individual that has experienced a financial hardship due to a government shutdown
  • Must be an Arizona resident and live, work, or worship in Apache, Cochise, Coconino, Gila, Maricopa, Mohave, Navajo, Pima, Pinal, Yavapai or Yuma county
  • Loan eligibility is based on approved credit (OAC)





1Certain restrictions apply. Subject to credit qualifications and performance. Annual Percentage Rate (APR) based on credit history, term and performance.  Programs subject to change without notice.

290 Days No Payment option will extend your loan by three (3) months and finance charges will accrue on unpaid principal.

3A skip a payment fee will be processed per the Credit Union’s Fee Schedule, for each skip a payment request; however, this fee will be waived for those who qualify for the Financial Relief Program. If you have more than one qualifying loan you may request to skip a payment on each loan. In order to skip your payment, all loans and accounts must be current and in good standing at the time we receive your request, and your loan must have opened more than 6 months ago. The deferral of loan payments pursuant to this agreement will automatically extend the loan maturity date by a corresponding period of time. Deferral of payments will reduce the portion of future payments applied to principal resulting in a larger final payment, or negative amortization. Interest will continue to accrue on your loan as it normally does. The number of skip a payments in a rolling 12-month period is limited to a maximum established by the credit union and may be subject to change. Certain restrictions apply and not all loans are eligible for this program. In some instances, it may be required that the member authorize having a credit bureau pulled for review. Subject to credit qualifications and performance. Program subject to change.

4 There is a one-time Extension processing fee for each Loan Extension per the Credit Union’s Fee Schedule; however, this fee will be waived for those who qualify for the Financial Relief Program. Processing fee will be returned to anyone not eligible to participate in this program. The deferral of loan payments pursuant to this agreement will automatically extend the loan maturity date by a corresponding period of time. Deferral of payments will reduce the portion of future payments applied to principal resulting in a larger final payment, or negative amortization. Interest will continue to accrue on your loan as it normally does. Certain restrictions apply and not all loans are eligible for this program. In some instances, it may be required that the member authorize having a credit bureau pulled for review. Program subject to change.