Stay Prepared with the Government Shutdown - January 2026
As we face the federal government shutdown, we want to reassure you that Sea West Coast Guard Federal Credit Union is here to support you through any financial challenges you may encounter. Whether you are a federal employee, military service member, veteran, or family member, we are committed to providing the tools and resources you need during this uncertain time.
Here’s How Sea West Can Help:
1. No-Interest Payroll Advance. If you are receiving direct deposits in your Sea West checking account and experience a disruption in your paycheck or retirement due to the government shutdown, we offer a no-interest advance of your direct deposit to be repaid in 30 days, which may be extended depending on the shutdown. Available to: USCG Active, USCG Civilians, USCG Retirees, DOH Employees, VA Retiree (or receiving benefits from), active-duty military, DOD employees.
Existing Member with Direct Deposit: No Credit Pull, Money Advanced with No Issue.
New Member/Existing Member with No Direct Deposit: Credit Pull, Pay Stub, and Deposit Example from other Financial Institution.
2. No-Interest Emergency Furlough Loans If you experience a disruption in your paycheck due to a government shutdown, we offer emergency loans with 0% interest to help cover essential expenses. These loans come with flexible repayment options to ease any financial burden.
3. Loan Payment Deferrals We understand that making loan payments may be difficult during a shutdown. We’re here to help by offering payment deferral options on existing loans, allowing you to postpone payments without penalties or fees. This program applies only to consumer instalment loans & Credit Cards. Mortgages are ineligible for skip-a-pay.
4. New Member Assistance If you’re a new or eligible member affected by the shutdown, we’re ready to welcome you. Our services are designed to meet your immediate financial needs, including access to emergency loans, checking and savings accounts, and more. All new members are welcome!!!
Important Next Steps:
Review Your Accounts: Check your current accounts to ensure they are in good standing. If you anticipate any challenges, reach out to us early so we can work with you on a solution.
Set Up Direct Deposit: If you haven’t already, set up direct deposit for any remaining income sources to ensure quick access to funds.
Contact Us Early: If a shutdown seems imminent, please contact us right away if you anticipate any financial hardships or disruptions. We’re here to assist.
Sea West Coast Guard Federal Credit Union stands by its commitment to serving you, especially during challenging times. We’ve helped our members through previous shutdowns, and we’re prepared to do the same again, ensuring you have the financial stability and resources you need.
For more information or to speak with one of our representatives, please contact us at 800-SEA-WEST (732-9378)