Affordability and Financial Security

Credit unions help members manage everyday costs, navigate financial challenges, and build greater stability through affordable financial products and people-first support.

Financial security is about more than making ends meet today. By helping members keep more of their money, build savings, and access support when unexpected challenges arise, credit unions create stronger foundations for the future.

THE EVERYDAY CREDIT UNION DIFFERENCE

Helping Members Keep More of Their Money

Credit unions help make everyday life more affordable by delivering tangible financial value through higher savings yields, lower loan rates, and fewer fees. Across Alabama, Florida, Georgia, and Virginia, members received billions of dollars in direct financial benefits in 2025.

That value puts money back into the hands of members, helping individuals and families manage everyday expenses, build greater financial stability, and keep more of what they earn.

Alabama

$544.8M in direct financial benefits returned to members

Florida

$1.38B in direct financial benefits returned to members

Georgia

$400.8M in direct financial benefits returned to members

Virginia

$3.9B in direct financial benefits returned to members

THERE WHEN IT MATTERS MOST

Providing Stability During Uncertainty

Financial security can be tested quickly when an unexpected disruption affects a household’s income. During the government shutdown, credit unions across Alabama, Florida, Georgia, and Virginia responded with financial relief designed to help affected members manage expenses and maintain stability while paychecks were delayed.

From zero-interest loans and payment assistance to emergency relief and community support, credit unions adapted their response to the needs of the people and communities they serve.

Avadian Credit Union

0% APR shutdown assistance loans for furloughed federal employees.

Avadian Credit Union

Avadian Credit Union offered qualified federal employees 0% APR loans for 60 days, providing access to money needed to meet financial obligations while paychecks were interrupted by the government shutdown. The program was designed to give affected members short-term financial flexibility without adding interest costs during an already uncertain period.

PenAir Credit Union

Up to $5,000 interest-free relief for members facing interrupted federal pay.

PenAir Credit Union

PenAir Credit Union offered eligible members receiving federal payroll direct deposit a four-month, 0% APR loan of up to $5,000. Affected members could also receive assistance with existing PenAir Credit Union loans, including payment-relief options, and access guidance from certified financial counselors.

Associated Credit Union

Financial support for federal employees affected by the shutdown.

Associated Credit Union

Associated Credit Union launched a Federal Employee Relief Loan Program offering a below-market interest rate to members whose income was disrupted by the government shutdown. The credit union also offered flexible support options for members with existing loans and access to Certified Credit Union Financial Counselors (CCUFC) for budget counseling and financial guidance.

Langley Federal Credit Union

$25,000 invested in emergency support for families affected by the shutdown.

Langley Federal Credit Union

Langley Federal Credit Union invested $25,000 in United Way of the Virginia Peninsula’s Government Shutdown Relief Fund, helping families affected by missed paychecks and delayed benefits access food, housing support, and other essential services. Langley Federal Credit Union also hosted food collection sites at several Peninsula branches to support local food pantries facing increased demand.

THE CREDIT UNION DIFFERENCE

$6.23 Billion Back in Members' Hands

Credit unions returned $6.23 billion in direct financial benefits, helping members keep more of what they earn.

$6.23B

In direct financial benefits returned to credit union members across the four-state region in 2025.

STRONGER FINANCIAL FOUNDATIONS

Financial Security Strengthens Communities

When individuals and families are better equipped to manage everyday costs and navigate financial challenges, the benefits extend beyond the household. Greater financial stability helps create stronger, more resilient communities.