Government Shutdown Assistance Program

We are committed to supporting our members impacted by the Government Shutdown. 
Below you will find the assistance options we currently have in place for members impacted:

Short-Term Loans - For members who have existing US Government direct deposit payroll to a Topside account, we will automatically approve a 12-month loan in the amount equivalent to your last payroll direct deposit to Topside FCU or $5,000, whichever is less. You will pay no interest on this loan* if you pay it in full within 30 days of the President's signature ending the shutdown and you will not receive a credit inquiry for this loan!

Applications must be submitted via email to LoanRequest@topsidefcu.org (click here), or in-person at one of our branches. Please include your name, best phone number, and best email address in the email. Please do not apply for this loan via the usual loan application buttons on our website and Online Banking.

*5.99% APR only applies if your loan is not paid in full within 30 days of the President's signature ending the shutdown. Refinance of existing Topside FCU loans are not eligible. For $1,000 financed over 12 months at 5.99% APR (annual percentage rate), estimated monthly payment is $86.09.

Hardship Extensions for Existing Loans - We have two loan extension options for existing Topside loans:

• One-Month Extension - available for any existing Topside loans, lines of credit, and credit cards. Real Estate loan products are excluded.
• Three-Month Extension - available for any existing Topside loans, lines of credit, and credit cards with interest-only payments. Real Estate loan products are excluded.

Hardship Extension Requests must be submitted via email to LoanServicing@topsidefcu.org (click here), or in-person at one of our branches. Please include your name, best phone number, and best email address, preferred extension option, and desired loan(s) in the email.

The following terms apply for these options: All Topside FCU loans are current as of the date of the shutdown. All Topside FCU savings and checking accounts have a positive balance. All borrowers must sign extension documents. Interest and finance charges will continue to accrue on these loans.

Overdraft Fee Waive Requests - Members who have existing Federal Government direct deposits of payroll into their Topside account may request that all ODP fees be waived. Please call us at 540.663.2181 or visit us in-branch to make this request.