If you live in an area declared a major disaster location by the Federal Emergency Management Agency (FEMA), ACU is here to help with our Emergency Relief Loan and Skip A Loan Payment program.

Emergency Relief Loan

Terms & Rates

• Up to $1,000.
• Fixed interest rate of 8.00% APR*.
• Terms up to 12 months**.
• Payments can be deferred for up to 60 days.

Conditions

• Must be an existing Associated Credit Union member in good standing that joined the credit union before October 1, 2024.
• Must live in an area declared a major disaster by the Federal Emergency Management Agency (FEMA). To verify the status of a declaration and to access additional disaster help and resources visit DisasterAssistance.gov or FEMA.gov/Disaster.
• Limit of one Emergency Relief Loan per household.

To apply for an Emergency Relief Loan:

• Call 770-448-8200, Option 4.
• Apply online using Promo Code HELENE.

*APR=Annual Percentage Rate. Loans are subject to credit approval. Rate offer is subject to change depending on market conditions. Member must reside in an affected area that has been declared a major disaster. No payments required for the first 60 days of the loan. **Maximum term for loan amount up to $1,000 is 12 months. Example payments for $1,000 borrowed at 8.00% APR would be $87.00 per month for 12 months.

Skip A Loan Payment

Associated Credit Union wants to help members affected by Hurricane Helene get back on track by offering Skip A Loan Payment. Through November 30, 2024, members who qualify can defer the payment of an eligible Associated Credit Union loan up to 30 days past its due date.

To qualify, you must have:

• A minimum monthly loan payment equal or greater than $100.
• A current loan balance greater than $1,000.
• A minimum of six months of full, consecutive and on-time payments toward the loan prior to the request.
• A minimum of twelve months remaining on the loans.

Eligible Loan Types:

• Regular Auto Loans
• Personal Loans
• Personal Lines of Credit
• Home Equity Lines of Credit
• 2nd Mortgages

Ineligible Loan Types:

• 1st Mortgages
• Time Deposit Loans
• Visa Credit Cards
• Mobile Homes / Furniture Loans
• Rate Reward Auto Loans
• CURE Loans
• Loans with CPI Add-ons

To apply for Skip A Loan Payment:

• Call 770.448.8200, Ext. 2392 for Auto and Personal Loans.
• Call 770.448.8200, Ext. 2141 for 2nd Mortgages and Home Equity Lines of Credit.