Affected Financially by the Government Shutdown?

Available starting October 8, 2025

In response to the ongoing Federal Government Shutdown, MSEFCU is upholding the credit union philosophy of “people helping people” by offering a special loan program designed to provide temporary financial relief to eligible members.

Federal Government Shutdown Assistance Loan*

Loan Amount: Up to one month’s net pay, verified by direct deposit to MSEFCU. (Not to exceed the maximum loan amount of $6,000)
Term: Up to 60 days (Single payment due at term end)
Rate: 0% APR

This loan is intended to help members bridge the gap during this period of financial uncertainty, offering peace of mind with no interest and a short-term repayment structure.

How to Apply:

Visit a branch, call (209) 383-5550 x141 or 142, or schedule an appointment with a Loan Officer.

*This special loan program is available beginning October 8, 2025, and is intended to support members affected by the Federal Government Shutdown. Loans are offered on a case-by-case basis for a maximum term of 60 days with a 0% APR and a single repayment. Eligible members may borrow up to one month’s net pay, not to exceed $6,000. Proof of pay affected by the government shutdown is required, and pay must be verified by direct deposit to MSEFCU.