You Can Count On Us, Especially When You Need It Most
Our hearts are with everyone affected by the Southern California wildfires. During such a challenging time, there is power in the community rising up to support each other. NGFCU is proud to be a part of your community, and we offer you many resources to support your individual needs. Explore those below.
Disaster Relief Loan
This loan offers fast access to funds, helping you cover essential expenses such as temporary housing, medical bills, and property repairs.
- Loan amounts up to $5,000
- Terms up to 24 months
Apply Today
(Select “Personal Loan” then “Disaster Relief Loan”)
Insurance Bridge Loan
If you are awaiting funds from an insurance claim, explore this loan option designed to assist you in recovering from an unexpected disaster.
- Loan amounts up to $40,000
- Terms up to 60 months
Apply Today
(Select “Personal Loan” then “Insurance Bridge Loan”)
Disaster Skip-a-Pay
If you currently have a loan with us and are experiencing difficulties, you may qualify for our Disaster Skip-a-Pay option to ease your financial burden.
- Skip a payment up to 3 months1
- No fees
Early Withdrawals for Term Accounts
Impacted members may withdraw early from Term Savings Accounts without facing penalties. We're committed to providing flexibility and support when you need it most. You may be eligible to:
- Withdraw from a Term Account early
- Have early withdrawal penalties waived
Term Account Consultation
Mortgage and Auto Loan Assistance
Our team is ready to assist impacted members who need to explore payment options on their current Mortgage and/or Auto Loan with NGFCU. We're here to support you during this challenging time.
- Personalized support
- Explore payment options
Mortgage & Auto Consultation
Other Assistance
Times like these can be overwhelming. Our representatives are here to support you every step of the way. Connect with us directly to explore your options. Call 800.633.2848 or schedule a free consultation.
Additional resources for our members recovering from a Natural Disaster
All loans subject to credit approval. Sample payment for Disaster Relief Loan is $43.97 per $1,000 borrowed assuming the lowest rate available and sample payment for Insurance Bridge Loan is $20.10 per $1,000 borrowed assuming the lowest rate available.
1 State of Emergency - Skip-A-Payment – up to Three Month Option: During a declared state of emergency, members may be approved to skip up to three consecutive monthly payments on eligible loans.
The Skip-a-Pay (SAP) option is applicable to most loans, excluding first mortgages, closed-end second mortgages, and balloon payment loans.
While standard documentation is generally required, exceptions may be considered based on extenuating circumstances. In such cases, the Credit Union may disclose the terms and conditions of the Skip-a-Pay option to the member via phone and the member will be required to electronically sign an agreement via DocuSign.
In addition to the standard Skip-a-Pay requirements, members may be required to submit a letter detailing the nature of their hardship and explaining why this situation is temporary, enabling them to resume full loan payments after the Skip-a-Payment period.
This Skip-a-Pay option is specifically designed for unsecured loans and is available only to members who are victims of an officially declared disaster. To qualify, the member's residence or workplace must be located within a disaster zone designated by the Federal Emergency Management Agency (FEMA) or declared a "State of Emergency" by local or state officials.