Federal Government Shutdown Relief Options

Affected by the Government Shutdown? Arize Is Here to Help.

We understand this may be a challenging time for members impacted by the federal government shutdown. Whether you’re a federal employee, contractor, or family member feeling the effects, Arize Federal Credit Union stands ready to support you. Explore flexible relief options designed to help you manage expenses and stay financially steady until normal operations resume.

Arize members in good standing who have been impacted by the shutdown and are experiencing a temporary loss or reduction in income or government benefits may qualify for short-term financial assistance.

Loan Details:

Loan Amount: Up to $5,000
Interest Rate: 0% APR for first 90 days
Term: Up to 12 months
First Payment: Deferred for 90 days

How it works:
No interest and no payments for the first 90 days. After that, the loan converts to a 12-month, fully amortizing personal loan following Arize’s standard risk-based pricing model.

Terms and Conditions:
*0.00% Annual Percentage Rate (APR) for the first 90 days from the date of loan origination, then a rate between 8.49% and 18.00% applies, based on credit. Payment Example: For a $5000 loan for 12 months at 8.49% APR, the payment after 90 days is $435.30. Minimum loan amount: $ 5,000; maximum term: 12 months. Offer available on loan applications submitted from 10/27/25 until 30 days after the government reopening. Applications are subject to approval and verification of loss/reduction in income. Other terms and conditions may apply. Contact us for details. Equal Opportunity Lender

Refinance your auto loan from another financial institution and enjoy 90 days with no payments. Keep more cash in your pocket while we help lower your rate or monthly payment.

Highlights:

Flexible terms and competitive rates based on creditworthiness
Interest accrues during the 90-day deferral period
Current Arize loans are not eligible for refinance

Terms and Conditions:
Annual Percentage Rates (APR) range between 6.49% and 18.00% and are based on your credit, loan terms, and our underwriting standards. Must qualify for membership. Applications are subject to approval. The first payment may be deferred for up to 90 days from the date of loan closing. Interest accrues during the deferral period—refinancing of current Arize loans excluded. Collateral restrictions apply. Offer ends 30 days after the government reopening and is subject to change without prior notice. Other terms and conditions may apply. Contact us for details. Equal Opportunity Lender.

If you currently have a loan with Arize and are struggling due to reduced or delayed income from the shutdown, you may qualify for a temporary loan extension.

Program Details:

Monthly payments temporarily reduced by 50% for up to three (3) months
Available for eligible existing Arize loans in good standing
Designed to provide short-term payment relief while maintaining your loan in its current status

How it works:
Your current loan term will be extended to accommodate the reduced payments. Interest will continue to accrue on the unpaid balance during the extension period. Contact us for details. Equal Opportunity Lender.

Typically, members can skip up to two payments per year. During the federal government shutdown, Arize is temporarily expanding this benefit for members who can provide proof of income loss.

Key Details:

Additional skips may be granted during the shutdown period
Applies to eligible consumer loans only
Mortgages, home equity loans, and business loans are excluded

If you’re uncertain which option is right for you, our certified financial counselor is here to help you build a short-term plan and maintain your long-term financial health.

Contact Brenda today at 877-342-5975 extension 7908 or email Brenda.Cerett@arizefcu.org to discuss your options.

If you need assistance with food or shelter, please contact these community organisations.

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