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Cabrillo Stands Ready with Furlough Assistance for Federal Employees

Worried about a Furlough? The good news is that Cabrillo’s got you covered!

As a credit union that has served Federal employees for more than 62 years, we have resources to help you get through tough times.

Payroll Assurance Loan (PAL)

PAL was created to help certain federal employees who temporarily don’t receive their payroll deposit, due to a natural disaster or government shutdown. Members who have signed up for PAL receive an available 0% APR* line of credit on their regular payday, even when the government doesn’t issue their payroll.

If you’re already signed up for PAL, you’re good to go! You’ll have a line of credit equal to the amount of your last check (up to $5,000). PAL will be available after 3:00 PM Pacific Time if there is any disruption in your paycheck.

PAL was designed to be repaid automatically when payroll does come in. In most cases, PAL is only needed for a few days. 

If you don’t have PAL…sign up now!               

Not eligible for PAL or need additional assistance?

If you’re not eligible, don’t have your direct deposit with us, or aren’t a member yet…don’t worry.  We’re still here to help.

In the event of a furlough, we will be offering a Furlough Loan, for up to 24 months at 0% APR* for the first 2 months, then 4% APR* for the remainder of the term.

This is another tool to assist you during a difficult time.


*Annual Percentage Rate. On approved credit. Some restrictions apply.

Need additional assistance?

If you feel that you need more assistance, please speak with a member of our Support Team. They are here to assist you and to find customized solutions for your specific needs.

Contact Member Support

Frequently Asked Questions

I’m already signed up for PAL, what do I need to do?

Nothing. We will make a line of credit equal to your last paycheck available for you on payday, up to $5,000.

What if I’m not working at all during the Shutdown?

Working or not, we’re still here to help. Even if you’re not working during the Shutdown, it won’t necessarily disqualify you from our various Furlough assistance programs.

What if the Shutdown lasts for longer than just a couple weeks?

We stand ready to help should the Shutdown drag out longer. We will increase the PAL credit limit should you not receive a second full paycheck. If the shutdown lasts longer than that, we will address member needs on an individual basis to find additional ways we can help.

Are there fees for PAL?

No. There are no fees.

Can I pay off the PAL early?


What if I’m not a member of Cabrillo?

Why not become a member now? In addition to great products and services, Cabrillo understands the special nuances of being a Federal employee.  

What if the Shutdown doesn’t end or my hours are permanently reduced?

In such circumstances, we would evaluate each member’s situation on a case-by-case basis and do what we can to help our members on an individual level.

What fees are associated with the Furlough Loan?

Aside from the interest, there are no fees.




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