Government Shutdown Assistance with C.A.R.E.
At Cabrillo Credit Union, we understand how uncertain these moments can feel. That’s why we created the C.A.R.E. Program (Cabrillo Advanced Relief Effort), a proactive financial safety net designed specifically for times like these.
C.A.R.E. Personal Line of Credit (PLOC)
Designed for members who are periodically impacted by:
- A declared Government Shutdown
This allows our members to get pre-approved for access to emergency funds through a line of credit, before an emergency happens. This provides you with a Cabrillo safety net to fall back on and the peace of mind you deserve.
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💡 How Cabrillo’s C.A.R.E. Program Can Help
Our C.A.R.E. (PLOC) Program was designed to provide emergency financial support to eligible federal employees during times of uncertainty in a government shutdown. C.A.R.E. gives you early access to a line of credit—before your finances are disrupted.
Program Highlights*:
- First 60 Days at 0% Interest
- Fixed Prime Rate After 60 Days
- Pre-Approved Access to Emergency Funds
- No Immediate Need to Draw Funds—Just Be Prepared
Cabrillo's Advanced Relief Effort Program (C.A.R.E.) provides unique new benefits, such as zero interest up to the first 60 days. After the first 60 days, for any remaining balance, the interest rate will be fixed at the Wall Street Journal Prime Lending rate in effect at the activation date of your line availability for the additional 4-month repayment period.*
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🛑 What Happens in a Government Shutdown?
If Congress fails to pass a funding bill, many government operations will halt. Workers may face furloughs or delayed paychecks, and essential services could be paused or scaled back.
🔓 Apply Now
Waiting until after a shutdown to secure financial help could put unnecessary strain on your household. The best time to apply for C.A.R.E. is now—before any income interruption occurs and get pre-approved for access to emergency funds through a line of credit before an emergency happens.
How to Apply For C.A.R.E.
Proactively protect your financial well-being.
Follow these steps to complete your application for C.A.R.E.
- Select “This is a Line of Credit”
- Select “No” to Will this line of credit be used as overdraft protection?
- Click on Cabrillo Advanced Relief Efforts (C.A.R.E. Program)
APPLY NOW
For more information on C.A.R.E., please contact a Cabrillo Representative.
Already Have C.A.R.E.?
If you're already enrolled in C.A.R.E., there's no need to worry. We’ve got your back. In the event of a government shutdown, Cabrillo will handle everything to ensure you have access to the funds you need—right when you need them. Your C.A.R.E. line is standing by, ready to support you through whatever comes next.
🛑 How Do I Access My Funds in a Government Shutdown?:
If the government shutdown impacts your pay, don’t worry—we’re ready to help. Here’s how Cabrillo’s C.A.R.E. assistance will work once the shutdown begins:
Before payday (now)
• If you’re already set up for C.A.R.E., you’re all set—no action needed.
• Not enrolled yet? Apply now so we can activate support on your payday.
Payday activation
• We’ll activate your C.A.R.E. Personal Line of Credit (PLOC) on the morning you’d normally be paid.
• You’ll see funds available in your C.A.R.E. PLOC account, where you can initiate an advance.
Cost & timing
• 0% interest for the first 60 days on your first advance.
• After 60 days, standard terms apply.
When pay resumes
• You can repay from your regular deposit or continue with a payment plan—whatever fits your budget.
Cabrillo Credit Union is proud to support our members in a government shutdown. If you have questions or need assistance, please don’t hesitate to reach out to our team.
C.A.R.E. Installment Loan
Our C.A.R.E. installment loan is designed for members who have been impacted by a declared crisis, either by natural disaster. When our members are dealing with an emergency, the last thing they should be worried about is their finances.
Designed for members who are periodically impacted by declared natural disasters like:
- Wildfire
- Flood
- Hurricane
- Earthquake
For more information on our C.A.R.E. Installment Loan, please contact a Cabrillo Representative.