How We Support Members During Unexpected Job Loss

During uncertain and overwhelming times, we understand the financial stress that comes with a sudden loss of income, and we want to remind you of the support available to ease your burden.

Debt Protection Insurance: A Benefit You May Have Forgotten

If you elected to add Debt Protection Insurance when taking out your loan, you may be eligible for coverage that includes involuntary job loss. This means that if you’ve lost your job through no fault of your own, your loan payments could be covered. Many members may not remember they have this benefit, so now is the perfect time to check your coverage and take advantage of this important safety net. You can email loan.servicing@topsidefcu.org or call us at 540-663-2181 to learn more about your coverage. 

Loan Payment Relief: Breathing Room When You Need It Most

Our Skip-A-Pay program is in place for all loans in good standing. This allows you to skip a payment on each loan every 12 months. You can learn more about that program here.

We also offer a loan extension program that allows you to move payments out as far as 90 days, giving you time to focus on what matters most—getting back on your feet. If you're facing financial hardship due to job loss, this option can provide much-needed relief without negatively impacting your loan status. You can email loan.servicing@topsidefcu.org or call us at 540-663-2181 to start this process. 

Loans: Payments and Rates Designed to Help

Whether you want to consolidate your debt into one convenient payment or give yourself some breathing room with a low rate loan, we have options for you. You can explore our loan options here and our credit card options here. Our low rate credit cards offer the same APR on balance transfers, cash advances, and purchases - no surprise rates for using the card any way you need. 

We’re Here for You

If you’ve recently experienced job loss, don’t wait—reach out to us today. Our team is ready to help you navigate your options and ensure you have the financial support you need during this time. Your well-being is our priority, and we are committed to standing by you every step of the way. On top of the staff dedicated to assisting you with loan needs, we have Financial Educators that can assist with budgeting and Financial Advisors that can assist with managing your investments. Just call us at 540-663-2181 or email us at help@topsidefcu.org. We've got your back. 

Contact us today to learn more about these programs and how we can assist you.