⚠️ SECURITY TIP: One Detroit Credit Union staff will never ask for your personal information or online banking login over the phone or via email.

Read more about recent scams and fraud prevention >>

Go to main content One Detroit Credit Union
One 2 Go Login
Forgot Password? | Enroll Now
Confident, young African American woman relaxing at home while drinking coffee and writing in her journal

Financial Assistance for Federal Employees Affected by the Government Shutdown

At One Detroit Credit Union, we understand the financial stress a government shutdown can cause. We are committed to supporting our members who serve our communities as federal employees. If you are impacted by the shutdown, we have two special programs available to help you manage your finances during this uncertain time.

New Shutdown Relief Loan

To help our members bridge the financial gap, we are offering a special Shutdown Relief Loan. This loan features flexible terms and allows you 60 days until your first payment is due.

Loan Details*

  • Loan Amounts: $500 - $4,000

  • Term: Up to 12 months

  • Rate: Based on your credit score (at our standard Holiday/Summer Loan rates)

  • Deferred Payment: 60 days until your first payment

Apply Now

Guidelines & Eligibility

  • Must be a One Detroit Credit Union member in good standing.

  • Must provide your most recent paystub (issued before the shutdown).

  • Standard underwriting guidelines apply.

  • Borrower must work at one of the affected government agencies listed below.

A Note on Existing Loans: We understand you may already have a loan with us. To provide maximum support, we are temporarily adjusting our policy. Eligible members may now hold one Shutdown Relief Loan in addition to one standard unsecured loan and one summer/holiday loan. To qualify for all three, you must meet our standard underwriting guidelines. 

(Please note: Members who are on shutdown and not earning income will not qualify for other new loan products during this period.)

Eligible Employers for Shutdown Loan

This list may not include all agencies affected. Please contact us if you are impacted.

  • Department of Agriculture

  • Department of Commerce

  • Department of Education

  • Department of Health and Human Services

  • Department of Homeland Security

  • Department of Housing and Urban Development

  • Department of the Interior

  • Department of Justice

  • Department of State

  • Department of Transportation

  • Department of the Treasury

  • Environmental Protection Agency

Apply Now

 

*IMPORTANT INFORMATION - SHUTDOWN LOANS

The rate and the amount of your loan are subject to credit approval and are based on your credit score and credit history. Monthly payment example per $1,000 borrowed at a rate of 8.99% APR* for 12 monthly payments would be $80.45 per month. *APR = Annual Percentage Rate. The annual percentage rate is the credit union's standard rate. Interest begins to accrue at the time of disbursement and will be amortized over the life of the loan. Membership required. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. See Credit Union for complete details.

Loan Payment Extensions for Federal Workers

If you have an existing loan with One Detroit and are affected by the shutdown, we may be able to defer your payments.

Program Details

  • Offers a maximum 60-day extension on eligible loan payments.

  • A Subsequent Action Form must be completed.

Verification Required: To process your extension, you must provide verification of employment at an affected agency. This can include:

  • A government shutdown notice, OR

  • A paystub or direct deposit record showing employment with one of the affected agencies (see list below).

Account Status Requirements

  • Accounts cannot be more than 30 days past due at the time of review.

  • All Savings and Share accounts must have a positive balance.

  • Negative checking accounts (with courtesy pay) must not be more than 30 days negative.

Eligible Loan Types for Extension

  • Personal Loans

  • Holiday / Summer Loans

  • Auto Loans

  • Term Home Equity Loans

  • Lines of Credit (LOC) and Home Equity Lines of Credit (HELOC)*

  • MPT**

  • 0% Home Repair Loans (LISC) will be reviewed on a case-by-case basis.

**Please note: Lines of Credit (LOC, HELOC) and MPT will be restricted during the extension period. Members will not need to reapply to have the limit reinstated after the period ends.

Exclusions: This extension program does not apply to external products, such as Credit Cards and Mortgage Center loans.

Affected Agencies for Loan Extension

This list may not include all agencies affected. Please contact us if you are impacted.

  • Department of Agriculture

  • Department of Commerce

  • Department of Homeland Security

  • Department of Housing and Urban Development

  • Department of the Interior

  • Department of Justice

  • Department of State

  • Department of the Treasury

  • Department of Transportation

How to Get Help

We are here to support you. To discuss your options, apply for a Shutdown Relief Loan, or request a loan extension, please contact our team today.

Call our Payment Solutions team directly at (313) 965-8640 extension 4023.

One Detroit Credit Union is furthering our mission to impact and change lives as we help Federal employees work through these challenging times.

 

Go to main navigation