As we face the uncertainties of the 2025 government shutdown, we want you to know that you’re not alone. Raiz is here to help you achieve peace of mind and financial stability during this challenging time.
If you are impacted, whether through furloughs or other disruptions, we have developed an assistance program designed to ease your financial burdens. Here’s a breakdown of the services we have available:
For All Impacted Members
- Courtesy Pay:
This valuable service ensures that your essential transactions are covered, even if your checking account balance isn’t enough. For a fee of only $5, we’ll cover your transactions up to $10 and for a low fee of $19, we’ll cover your transactions over $10¹. Courtesy Pay can cover up to $2,500, depending on your credit score2, giving you peace of mind.
- Personal Loans:
For those seeking financial flexibility, we offer personal loans at competitive rates of up to $50,000 with terms extending up to 84 months3. This option allows you to manage your expenses effectively during this period of uncertainty.
- Mortgage Assistance:
Our Raiz Mortgage department is ready to discuss your options and set up a plan that fits your specific needs. Whether you’re looking to refinance or explore new mortgage options, contact our Mortgage Representatives at 915.926.2683 for personalized assistance.
- Business Lending Assistance:
Our Business Services experts are ready to discuss creative solutions to any impact on your business or ability to pay due to incomplete or pending government contracts resulting from the government shutdown. Contact us for personalized assistance at 915.926.2265.
For Members with Direct Deposit
- Special Personal Loans:
If your paycheck is directly deposited into your Raiz Federal Credit Union account, you may qualify for a special personal loan. You can borrow up to twice your gross monthly income at a low promotional rate of 9.99% APR4 for 12 months and 10.99% APR4 for 24 months using the promo code: GOVT2025. Enjoy an additional 0.25% rate discount when you enroll in Auto Pay4. Click to get started.
- Loan Deferment:
We understand that meeting financial obligations can be challenging right now. Our Raiz Account experts are here to help you find the best loan payment options tailored to fit your needs. A simple adjustment could provide significant relief and give you some breathing room during this difficult time.
Personalized Support
At Raiz, we recognize that each individual’s financial situation is unique. Our dedicated Raiz representatives are here to work with you on an individual basis to find the best solution for your circumstances. Don’t hesitate to speak with us at 1.877.378.3281 with any questions or to discuss your options. We’re committed to providing you with the support you need.
You’re Not Alone
As your financial partner, we want to remind you that you’re not alone during this uncertain time. Together, we will navigate these challenges and strive towards restoring your peace of mind and financial stability.
We encourage all impacted members to take advantage of these programs. Your well-being is our priority, and we are here for you every step of the way.
Disclosures:
1A $5 fee will be charged on transactions under $10, and a $19 fee will be charged on transactions exceeding $10.
2Coverage amount varies depending on your FICO credit score and ranges between $100 and $2,500.
3 Loans are subject to creditworthiness; not all applicants may qualify.
4The special promotional rate is available for a limited time. The rate may change at any time without notice. Loans are subject to creditworthiness; not all applicants may qualify. A $1,000 loan at a rate of 9.99% APR will result in approximately 12 equal payments of $87.91. A 1,000 loan at a rate of 10.99% APR will result in approximately 24 equal payments of $46.60. A 0.25% rate discount is available with Auto Pay enrollment. If Auto Pay is canceled, the discount will end, and the rate will revert to the contracted rate.
5Some restrictions may apply. Ineligible loans include home equity, real estate, credit cards, shared secured, and lines of credit. Your request must be submitted five business days before your scheduled payment.