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Routing Number: 254074345

Stability Assistance Programs

At Congressional Federal Credit Union, we understand that unexpected challenges—whether from natural disasters, job transitions, or federal furloughs—can create real financial strain. That’s why we offer a suite of Stability Assistance Programs† designed to help our members stay on steady ground.

From Disaster Relief and Transition Loans to our dedicated Furlough Solutions, we’re here to provide support when you need it most. In addition, flexible loan modification options are available to help ease financial burdens. With our Furlough Loans in particular, we’re committed to serving the unique needs of federal employees during government shutdowns—the moments when stability matters most.

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Furlough Solutions

government shutdown support

Fast relief built for shutdowns—keep life moving with access to funds, flexibility on payments, and waived penalties.

Relief Line of Credit Eligibility:
Provide a copy of your furlough notice or proof of employment from your affected department²
Credit Line:
Maximum $10,000³
Repayment:
0.00% APR⁴ during the 60-day draw period. Thereafter, monthly payments are fixed for 36 months at 4.00% APR⁴
¹ Contact Member Services for more information on eligibility to join the credit union or visit: congressionalfcu.org/membership.
² Proof of employment may include a pay stub or other forms of employment identification.
³ Approval is contingent upon a review of your current direct deposit status with the credit union, or alternatively, a review of your credit file if no direct deposit exists. Not all applicants will qualify
⁴ APR = Annual Percentage Rate. A $10,000 remaining balance at 4.00% APR for 36 months would have a monthly payment of $296.
Personal Loans Consolidate high-rate balances into one manageable payment with flexible terms.
Line-of-Credit Limit Increases Extend your access to funds when you need it most.
Payment Deferment Pause payments to get breathing room while you regroup.
Deferred payments may extend the loan term. Interest continues to accrue.
Expedited Card/Check Delivery Fast access to the tools you rely on.
Waived Early Withdrawal Penalties Access share certificate funds without penalties during relief.
Pause Automatic Activities Temporarily suspend automatic payments, transfers, or DBOs.

Disaster Relief

Rapid Support

When disaster strikes, focus on recovery—get flexibility on payments, access to funds, and penalty waivers.

Payment Deferment Explore deferment options on CFCU loans and credit card balances.
Deferred payments may extend the loan term. Interest continues to accrue.
Temporary Line-of-Credit Increases Bridge urgent expenses with a short-term increase.
Waived Early Share-Certificate Penalties Access your savings without extra fees during relief.
Suspension of Automatic Payments/Transfers/DBOs Pause automatic activities upon request.
Relief Line of Credit Promotional relief during an initial draw period, followed by affordable fixed payments.
Personal Loan Options Competitive rates with up to 60 days to first payment.
APR:
As low as 7.99%*
Terms:
Up to 60 months
Payments:
No payments for the first 60 days**
*APR = Annual Percentage Rate. For example, a $1,000 loan at 7.99% APR for 60 months would result in 60 monthly payments of approximately $20.28. **Deferred payments may extend the loan term. All loans subject to credit approval.

Transition Loans

Next-Chapter Ready

Flexible options for career changes or retirement—built to adjust with your needs.

Employment Transition Loan Support for members leaving a current employer and starting new opportunities.
Retirement Transition Loan Designed for members retiring while maintaining direct deposit with CFCU.
Transition Assistance Program Support to ease your career or retirement change.
Refinancing:
Options available with up to 60 days to first payment*
Skip-a-Pay**:
Use on eligible loans to get temporary relief
*First-payment deferral availability and length may vary by product and
creditworthiness. Certain restrictions apply. **Skip-a-Pay is subject to eligibility and program terms. Deferred payments may extend the loan term. Interest continues to accrue.
Financial Coaching One-on-one guidance to feel prepared, confident, and in control.

Flexible Loan Support

Tailored Relief

If paying us becomes challenging, we’ll review your situation and explore adjustments that create breathing room.

Modified Payment Schedules Adjust due dates or amounts to better match cash flow.
Extended Loan Terms Stretch timelines to reduce monthly payments and stabilize budgets.
Case-by-Case Review We’ll work with you to find a fit based on your circumstances.

Get in Touch

Congressional Federal puts members first. Contact us to explore options that fit your needs and keep you moving forward.

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†Disclaimer: Not all will qualify.