How DuPage Credit Union Is Supporting Furloughed Workers - DuPage Credit Union
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DuPage Credit Union Blog

How DuPage Credit Union Is Supporting Furloughed Workers

Oct 31, 2025
Family sitting on front porch swing

In response to the financial strain caused by the 2025 government shutdown, DuPage Credit Union is offering special payroll assistance programs to help affected government employees manage their expenses.

Payroll Assistance Loan

We understand the financial stress that the government shutdown may cause you and your family. That’s why we developed our Payroll Assistance Loan, a 0% APR1 personal loan that can be used for any expense. We offer both a 60-day, and a 6-month loan term option for the loan.

60-Day Payroll Assistance Loan

  • Loans up to $2,000
  • No credit check required
  • Balance due at the end of the term
  • Apply by 11/30/2025

6-Month Payroll Assistance Loan

  • Loans up to $6,000
  • Credit check required
  • Payment can be deferred for up to 90 days
  • Apply by 11/30/2025

Payroll Assistance Skip-A-Pay

We understand that unexpected changes to your paycheck can make it harder to manage monthly bills. That’s why in addition to our Payroll Assistance Loan, we’re offering a Payroll Assistance Skip-A-Pay program, allowing government workers to defer their October, November, and/or December 2025 monthly payment on an eligible vehicle loan, personal loan, or credit card2.

  • You must have a paycheck that is reduced or not being paid because of the government shutdown
  • Loan must be opened for 180 days and have 6 payments made in order to be eligible
  • Does not count towards maximum 2 skips per loan per calendar year and 6 times throughout the life of the loan

To apply, call 1-800-323-2611 and mention “Payroll Assistance Skip-a-Pays.”

1 APR = Annual Percentage Yield. 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 10/20 – 10/31/2025 and disburse by 11/30/2025. 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 10/15/2025 and be in good standing.

2 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 October, November, and/or December 2025 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. 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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