Facing a Government Shutdown? Here's How to Prepare with Cabrillo's C.A.R.E. Program
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.
Preparing for a Paycheck Disruption
A government shutdown or unexpected event can create financial stress, especially if paychecks are delayed. Taking a few proactive steps can help you feel more secure and ready to manage the impact.
- Build a small emergency fund
Set aside whatever you can, even a small amount each pay period, to create a cushion for essentials like groceries, gas, and utilities.
- Prioritize essential expenses
Make a list of your must-pay bills—such as housing, food, and transportation—and focus on covering those first.
- Review automatic payments
Check your accounts for scheduled auto-payments. If needed, adjust or pause them to keep control of your available funds.
- Cut back temporarily
Reduce discretionary spending (eating out, subscriptions, or extras) so you have more available cash if income is disrupted.
- Know your resources
Stay informed about assistance programs available through Cabrillo Credit Union, including the C.A.R.E. Program, designed to support members during times like these.
APPLY NOW
💡 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.
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
🔓 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 — morning of 10/10:
• 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.
*Eligibility requirements apply. Availability of funding is periodic and related to the status of the applicable declared emergency. Proof of hardship is required. Subject to credit approval. All offers and loan program are subject to change and may be terminated without notice.