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.
💡 How Cabrillo’s C.A.R.E. Program Can Help
Cabrillo’s C.A.R.E. Program was designed to provide emergency financial support to members during times of uncertainty, like a government shutdown. Whether you’re a federal employee, contractor, or simply affected by the ripple effects, C.A.R.E. gives you early access to a line of credit—before your finances are disrupted.
Cabrillo Advanced Relief Effort Program (C.A.R.E.) Benefits
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.*
APPLY NOW
Apply now and get it early before it's too late. C.A.R.E. allows our members to get pre-approved for access to emergency funds through a line of credit before an emergency happens.
🛑 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.
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.