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Federal Government Shutdown Oct 2025

Date: October 01, 2025
Category:

If You’ve Been Impacted by the Federal Government Shutdown, Wright-Patt Credit Union® (WPCU®) is Here to Help​​​​

​​I​f ​the federal government shutdown has left you without a paycheck and you need financial assistance, please reach out to us. We have several programs, including a special loan, to help you. WPCU began during tough times, and our role today remains the same – to be a caring financial partner for our members and help members through life.​​​​​​

​​​​​Special “Shutdow​n” Loan for Impacted Members
To help impacted members manage through​ the federal government shutdown, WPCU has created a special “Shutdown” loan for members who find themselves in a temporary hardship due to not receiving their paycheck as a result of the federal government shutdown. Below are some details of the loan:
  • Signature loan based on member’s normal net weekly or bi-weekly pay*.
  • 7.25% APR** up to 12 months for all qualified borrowers***.
  • If member pays the loan back within 30 days of the issuing of the loan, no interest will be charged.
Special Skip-A-Payment
During the federal government shutdown, impacted members in good standing are eligible to skip an additional WPCU consumer loan payment**** without penalty (total of two for the calendar year), which means:
  • No skip-a-payment or late fee charged;​​
  • Not showing the loan as being delinquent; and
  • No derogatory reporting to the credit bureau. 

​To be eligible to skip-a-payment and advance the due date on the loan to the next month, members will need to provide sufficient proof that they are not receiving their paycheck as a result of the federal government shutdown.

Only consumer loans eligible for skip-a-pays are eligible for this program, including auto, signature, and QCash loans. Loans such as student loans, home equity loans and credit cards are not eligible for skip-a-pays; however, if you need assistance with one of these types of loans, please reach out to us to discuss potential options.

N​eed Assistance? Please Reach Out.

If you are impacted by the federal government shutdown and need financial assistance, please click here to schedule an appointment at your nearest member center or call our Member Help Center at (800) 762-0047. We are here to help. As always, thank you for choosing WPCU.


​*Must provide verification of net weekly or biweekly income through a pay stub, bank statement or if member uses Wright-Patt Credit Union’s direct deposit system, through this system. Credit limit will be determined based on net bi-weekly income.

**APR = Annual Percentage Rate. All loans are subject to credit review and approval. The Special “Shutdown” Loan is a fixed rate of 7.25% APR for the duration of the loan with terms up to 12 months. No interest will be charged if loan is paid in full within 1 month of loan closing. Loan amount will be determined based on member’s net weekly or biweekly income. For example, the Special “Shutdown” Loan for $1,000 with a 12-month term will have a monthly payment of $86.64. APR accurate as of 10/1/2025 and may change at any time. If your payment is more than 10 days late, there is a Late Payment Fee of 5% of the payment due.

​***Must provide verification member belongs to a group negatively affected by the government shutdown. Must be a member in good standing.

****Only one skip-a-payment may be used at a time. If a member chooses to utilize the additional skip-a-pay, at least one payment must be made between the two skip-a-payments. ​