At DuPage Credit Union, we believe financial institutions have a responsibility to stand with their members during times of financial uncertainty.
In response to the current government shutdown, which began on February 14, 2026, and primarily impacts the U.S. Department of Homeland Security (DHS) and its component agencies, we are once again offering payroll assistance options to support affected federal employees and their families—many of whom are continuing to work without pay. By providing payroll assistance loan options, we aim to help ensure our members can continue managing their finances with confidence until normal payroll resumes.
Payroll Assistance Loan
The Payroll Assistance Loan is a 0% APR1 personal loan that eligible government workers can use for any expense. Choose either a 60-day or 6-month loan term. Apply by March 31, 2026.
Payroll Assistance Skip-A-Pay
In addition to our Payroll Assistance Loan, we’re offering a Payroll Assistance Skip-A-Pay program, allowing eligible government workers to defer their March 2026 monthly payment on an eligible vehicle loan, personal loan, or credit card2.
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APR = Annual Percentage Rate. Members must have a paycheck that is reduced or not being paid because of the government shutdown to be eligible for the Payroll Assistance Loan. If proof of employment cannot be determined, you may be required to provide additional documentation. Must apply between 3/10-4/30/2026 and disburse by 5/31/2026. Only one Payroll Assistance Loan per member per offer period, member can select one of two options based on their need. Option 1: 0% APR for 60 days up to $2,000; no credit check and a balloon payment at the end of the term. Option 2: 0% APR for 6 months up to $6,000; requires a credit check; payment can be deferred for up to 90 days; payment example per month per $1,000 financed is $166.67; minimum $50 monthly payment. Does not apply to loans currently financed through DuPage Credit Union. All loans, terms and conditions are subject to Credit Union qualifications and approval. Some restrictions may apply. Cannot be combined with other offers. Offer may be discontinued at any time and rates are subject to change without notice. Must have a Credit Union membership established as of 3/10/2026 and be in good standing.
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DuPage Credit Union’s Payroll Assistance Skip-A-Pay program gives members whose paycheck is reduced or not being paid because of the government shutdown the opportunity to defer a scheduled March and/or April 2026 monthly payment on an eligible vehicle loan, personal loan and/or credit card. To be eligible, you must meet and agree to all of the following criteria: 1) Your paycheck must be reduced or not being paid because of the government shutdown. If proof of employment cannot be determined, you may be required to provide additional documentation. 2) Your applicable loan/credit card must be open for a minimum of 180 days and you must have made at least 6 monthly payments; 3) You must be in good standing with all of your DuPage Credit Union memberships; 4) All of your DuPage Credit Union loans and/or credit cards must be paid as agreed and current as of the date of your request. Your Payroll Assistance Skip-A-Pay request must be received before noon at least one business day prior to your scheduled payment due date. Requests can be submitted by any borrower on the loan or credit card. If approved, one monthly payment will be deferred until the end of the loan, thereby extending the original term and amortization of the loan. Interest will continue to accrue as normal throughout the deferral period. All other terms and conditions as stated in the original loan and/or credit card agreement continue to remain in effect. As applicable, your monthly premium for Payment Protection will still be added on the deferred month. The terms of coverage for any added insurance products on your loan may not be extended to the new maturity date. Deferred payment(s) may impact GAP claims on vehicle loans. Lease Alternative Loans and any Real Estate loans are not eligible for the Payroll Assistance Skip-A-Pay program. Payroll Assistance Skip-a-Pays will not count toward the standard Skip-a-Pay limits per year or over the life of the loan. Other restrictions apply. DuPage Credit Union reserves the right to refuse a Payroll Assistance Skip-A-Pay request and may discontinue the program at any time without prior notice.
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