Impacted by the government shutdown?
We’re here to help.

At Suffolk Credit Union, we understand that financial stability is an important part of our brand promise of empowering your possible. If you or someone you know, are experiencing financial hardship due to the government shutdown, we have several programs that may be of assistance.

For Members Directly Impacted by the Government Shutdown

>Refund of overdraft charges1 

Did you experience an overdraft fee because your payroll has been delayed and you already had automatic payments scheduled? We advise you to cancel any automatic payments until direct deposit has been reinstated. But as a courtesy we may be able to assist you, simply visit a branch or call 631-924-8000 to request a refund of the overdraft charges.

>90-Days Deferred Payments2 on EXISTING Loans3

If you have a current loan and are adversely impacted by the Government Shutdown, we are here to assist.  We will work with members to defer loan payments up to 90 days. Simply visit a branch or call 631-924-8000 and a Personal Banker will assist you with this request.

*Eligible Loan Products
•    Personal Loans
•    Easy Everyday Loans
•    New & Used Auto Loans
•    New & Used EV (Electric Vehicle) Auto Loans
•    New & Used Motorcycle Loans

>Relief Loan

Our Easy Everyday Loan offers up to $10,000, with as low as 7.84% APR3 and up to 24-Month terms. It could help you get through a shutdown, and you can pay it off anytime with no pre-payment penalty. 

Get funded same day as approval! Plus, defer payments up to 90 days.2

For more info or assistance

Suggestions

  • If your Direct Deposit will be disrupted, we suggest canceling automatic payments until it is reinstated to avoid overdrawing your accounts.
  • You may want to do this with any accounts you may have with other financial institutions.
  • Reach out to any other lenders to see what relief they might offer.

1. To request a refund on overdraft charges caused by the government shutdown visit a branch or call 631-924-8000. Requests reviewed on a case-by-case basis. 
2- Deferred payment is a modification of your current qualifying loan. Interest will continue to accrue during deferral and for the life of the loan until the balance is paid in full. All other loan terms and conditions remain.
3- APR = Annual Percentage Rate. Rate effective as of October 2, 2025 and subject to change without notice. Loans are subject to credit approval and income verification. Applicants who are not approved at this rate or term may be offered credit at a higher rate and/or different term.  Please contact a Suffolk Credit Union representative for additional information, applicable fees and terms.