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government shutdown

PAL and Furlough Assistance

Worried about the next government shutdown? The good news is that Cabrillo’s got you covered!

As a credit union that has served Federal employees since 1955, 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, government shutdown or even delays in payroll. 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.

If you don’t have PAL…sign up now! 

PAL Application

Furlough Loan

Not eligible for PAL or need additional assistance? If you’re not eligible or aren’t a member yet…don’t worry.  We’re still here to help.

In the event of a furlough, Cabrillo will be offering a Furlough Loan, for up to 24 months at a 0% introductory rate for the first 2 months, then 5% APR* for the remainder of the term for members with direct deposit. Members without direct deposit will receive a rate of 9% APR with no 0% introductory rate.

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

Apply for a Furlough Loan

*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.

Frequently Asked Questions