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Relief & Assistance

**Emergency Member Relief & Assistance**

At Family Focus Federal Credit Union (FCU), the health and well-being of our members, team members, and community is our top priority. Because of our strong capital position, we are empowered to help our membership through the unprecedented long-term effects of the COVID-19 virus. In order to support and give credit union members flexibility to manage the challenges and hardship that they may encounter as a result of the spread of COVID-19, the Board of Directors of Family Focus FCU has created this COVID-19 Emergency Member Assistance Plan that can be used during the current pandemic.

We recognize that you, our members, may face financial difficulties or loss of income due to the pandemic. We are committed to being responsive to your needs as the situation evolves. In the true credit union spirit of “people helping people”, we have several relief options available to assist you in your time of need. These relief options include extending the due date on your existing loan, deferring your first payment on new loans, waiving NSF, skip payment and late payment fees, offering budgetary/financial counseling to assist you in developing a plan, and advice on restructuring your debt or modifying your loan terms. We also have Emergency Hardship loan options available to help you with your immediate needs.

Relief Begins Here

**To qualify for any of these relief options, member must have experienced at least two weeks of lost or significantly reduced (50% or more) work/wages resulting from one of these qualifying COVID-19 factors: lay off/loss or reduction of employment, required quarantine at the instruction of a health care provider, either the individual’s health care professional or a local, state, or federal official, in order to prevent the spread of COVID-19, time off work to care for an immediate family member diagnosed with positive COVID-19 or to provide childcare to elementary age (or younger) or special needs children resulting from school or childcare closures or other COVID-19 related scenarios. The credit union reserves the right to verify member’s circumstances and determine member need. *All loans made by Family Focus Federal Credit Union are subject to approval.

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