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Michigan Credit Union League

Do Your Members Need Help Paying Their Utility Bills?

The Heat and Warmth Fund Logo

The Heat and Warmth Fund (THAW) is here to help. THAW offers several programs throughout Michigan to help families secure affordable monthly utility payments or to keep their heat and electricity from being shut off. Members only need to meet the eligibility requirements.

Our affordable payment plans offer:

  • A fixed monthly payment; THAW pays the difference between plan amount and monthly bill
  • Protection from electricity being shut off and no late fees while enrolled
  • Reduction of outstanding balance


THAW programs are available in all Michigan counties and our trained staff will work with your members to find the program that is right for them.

Learn more about THAW’s programs here. For more information please email Stacy Ziarko or call 313-963-2681.

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2018-01-12 00:00:00