Emergency Relief Services

LAFCU is here to help its members at any time. If you are experiencing an emergency financial situation, we have many ways to help you:

Skip-A-Payment on Consumer Loans at $30 fee per skip.
Apply for a Debt Consolidation Loan. Combine your higher-rate loan payments with other lenders into one low payment at LAFCU. Choose “Debt Consolidation” from the “Select a purpose” list.
Temporary Financial Hardship. Need financial assistance beyond a one month skip-a-pay? Call us at 877-695-2328 (Special Service menu option #) to discuss emergency relief options, including repayment plans, reduced payments, modifications, deferments, forbearance plans, an emergency loan, and other options.
Apply for an Emergency Loan. Personal Unsecured loan up to $5,000. Choose “Emergency” from the “Select a purpose” list.
Apply for a Share Savings-Secured Loan. Borrow funds up to the amount you have on deposit in your Savings or Share-Certificate account. Select “Other” from the “Select a purpose” list.

Text for Quick Help

To get help from LAFCU quickly, use your mobile device to text any of the below "Automatic Response KeyWords" or word combinations to 8186386331 then get a rapid reply with a helpful link. Opting-in is not required and no personal data is collected. When texting, message & data rates may apply (this relates to charges your mobile carrier may charge you for sending or receiving texts, based on your texting plan):

Wildfire Help

If you or someone you know are impacted by the Wildfires, here are some useful sources that can help:

• APP: “WATCH DUTY”:
Download and use this free app to get custom weather alerts based on the geographic area or address you indicate.
Apple Store Google Play

• CAL FIRE ACTIVE INCIDENTS

• DISASTER ASSISTANCE

• FEMA (Federal Emergency Management Agency) HELPLINE:
(800) 621-3362 (4am to 10pmPST)

• FEMA MOBILE APP

• FIRE RESOURCES

• INDIVIDUAL ASSISTANCE

• LA COUNTY ALERTS

• LA COUNTY EMERGENCY INFO
This includes evacuation orders & warnings, and emergency maps.

• LA COUNTY EMERGENCY NOTIFICATIONS

• LA COUNTY PUBLIC SAFETY ON X (TWITTER):
Office of Emergency Management: @ReadyLACounty
LA County Fire: @LACoFDPIO
LA County Sheriff: @LASDHQ
LA County: @CountyofLA

• ROAD CLOSURES

• SMALL BUSINESS ADMINISTRATION (SBA)
Has low-interest disaster loans to help homeowners, renters & businesses.

• UNEMPLOYMENT BENEFITS
Get info on benefits if you lost your job due to the fires.

Access to Funds

LAFCU Mobile app: Available free for Apple and Google operating systems. Use the app to:

Apply for a loan
Deposit PAPER check instead of visiting a branch
Locate ATMs and Shared Branches
Make a branch appointment
Pay bills
Place Alerts, Locks and Blocks on a credit card and debit card

Place a “stop payment” on a check
Review loan, credit card and savings account balances, transactions and history
Transfer funds between accounts
Withdraw funds by getting a paper check mailed to you

Mobile and Online Banking: Register for Online Banking from our website. Then conduct transactions on your account, securely email any questions, locate local and nationwide ATMs and Shared Branches, apply for a loan, open an account, make a branch appointment, pay bills, deposit paper checks (from mobile), set up and manage alerts for your account and credit cards, view statements, set travel notices on your credit card, place check stop-payments, set and manage savings goals, conduct a financial health checkup, and view a spending forecast.

Mobile Wallet: Prior to shopping in stores (and to avoid handling cash or credit cards), download Apple Pay, Google Pay, or Samsung Pay into your mobile phone’s mobile wallet, then link it to your LAFCU debit card and/or credit card. Enjoy a contactless payment experience with this wallet by holding your phone above the store’s card reader.

ATM access: Need access to cash? We have 30,000 local and national ATMs through the CO-OP network with no fee, including LAFCU ATMs at branches and other LA city locations. Get cash back when visiting a grocery store.

FAQs

Skip-A-Payment: I would like to skip my consumer loan payment. What can I do?

How can I access my LAFCU accounts?

Can I access ATMs?

What are your branch hours?

Financial Hardship: Is LAFCU offering any type of hardship assistance for members who need emergency relief?

Government Assistance: Who else can help me when I need financial emergency relief?

Loans in Process: When will I be contacted about a loan I applied for recently?

My Income Ceased: I am no longer receiving a regular paycheck. Can you help me pay my bills?

Phishing Scams

Travel: I cancelled my travel plans but the charges on my LAFCU Visa credit card or debit card have not been removed. What should I do?

Fees Waived

ATM access fees waived at LAFCU ATMs and 30,000 CO-OP ATMs. Find a location near you.
Early withdrawal penalty fees waived on our Share Savings Certificates.

Debt Repayment Calculator

LAFCU’s Debt Repayment Calculator can be a good first step to take before pursuing debt consulting services. See how long it will take to pay off your debt depending on your monthly payments.

DEBT REPAYMENT CALCULATOR