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Michigan Credit Union League

Michigan Credit Unions
COVID-19 Support Programs

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During COVID-19, Michigan credit unions are taking preventative actions to limit the spread of the virus and are prepared to adapt as conditions continue to change.

The Michigan credit union community encourages consumers to take advantage of all remote banking services, including mobile apps and deposits, online banking and bill payment and ATMs and Video Teller Machines.

Additionally, the Small Business Administration announced that they will provide small businesses impacted by COVID-19 up to $2 Million in disaster assistance loans. Find out more here.

The following is a list of Michigan credit unions, their available options and any other offerings during the pandemic. This page will be updated as changes occur. If your credit union has a special offer to add, please email us

Also, to assist the MCUL and CUNA in understanding your great efforts, we ask you to complete this short CUNA Survey once you have determined the support measures you are planning on offering your membership.

Support Programs Listed By Credit Union

The following is a list of Michigan credit unions in alphabetical order and their special offerings during the pandemic.

Advantage One Credit Union

  • Skip-a-Pay options for impacted members for up to 90 days with no fee
  • Low interest hardship loans for members for up to $2,000 with 60-day deferred payments
  • Mortgage and home equity payment relief options
  • Waiving loan related late fees for members
  • Waiving CD early withdrawal penalties and account transfer fees

BlueOx Credit Union

Calcite Credit Union

  • 90 days with no payment when refinancing any consumer loan
  • Waived fees
  • Skip-a-Pay on loans and credit cards
  • Mortgage and home equity relief
  • Fixed solutions loan - up to $3,000 with 0% APR

CASE Credit Union

  • No Skip-a-Pay fee
  • 90 days, no payment
  • Low-interest relief loans
    • Minimum up to $1,000
    • Maximum up to $5,000
  • Business relief loan options
  • Mortgage and home equity relief options
  • 0% on all credit card purchases for 60 days
  • Early withdraw on TDAs with no penalty fees

Catholic Vintage Financial 

  • Skip your loan payments – over the next few month you can skip up to 2 loan payments. The fees will be waived, and you must access through our online/mobile banking applications.

  • We are making available 0% hardship loans to help bridge the financial gap you may be experiencing at this time. – up to $2,500 for 12 months, 1st payment due in 90 days.

  • Our 0% VISA program has been expanded to include all of our consumer accounts and you can take advantage it now. – 0% is for 6 months

Chief Financial Credit Union

  • Loan payments paused for all members for 90 days

Christian Financial Credit Union

  • Up to 90-day deferment on any existing loan or credit card payment for those affected by COVID-19.
  • 0.00% interest loan up to $2,500 for 24 months for those affected by COVID-19.
  • If COVID-19 is impacting you personally, they are here to help. Member Solutions staff can be reached at 586.772.6330.

Community Choice Credit Union

  • No-fee skip-a-payment on qualified loans
  • Short-term, low-interest loans
  • 90-day deferred payments when financing:
    • autos
    • RVs
    • fixed-rate home equity loans

Dow Chemical Employees' Credit Union

  • $200,000 donation to several Great Lakes Bay organizations positioned to provide targeted COVID-relief – with matching grant of $80,000 (total value of $280,000)
  • Non-Sufficient Funds (NSF) fees automatically waived
  • Early withdrawal penalties suspended on all CDs
  • Increased ATM cash withdrawal limits from $500 to $1,000/day
  • Skip-A-Pay fee waived
  • Skip-A-Pay program modifications, including auto-skip of 2 monthly payments for all approved applicants offering Skip-A-Pay on more loan types
  • Auto-issued ATM/debit cards to all card-less members to provide one additional method to access to cash
  • Providing customized solutions for members on an individual basis to resolve late payment issues and other financial concerns at 800.835.7794

Dowogiac Area Credit Union

  • 60-day extension/skip-a-pay programs
  • Waiving money order and corporate draft fees
  • Waiving check cashing fees
  • Adjusting maximum limits on debit cards and ATM cards upon request
  • Available esignature package to complete loans outside of office
  • Resuming monthly drawings (based on season) for members

ELGA Credit Union

Extra Credit Union

  • Emergency Relief Loan gives members up to $15,000 at 4.99% for 36 months with no payment for 90 days and no loan processing fees
  • Skip-a-Pay
  • Extra Quick Loan for members of the community who need up to $1,000 in cash quickly

Financial Plus Credit Union

  • No early withdrawal penalty on existing CDs
  • New 12-month unsecured loan with a maximum loan amount of $1,500; 60-day first-payment relief
  • Up to 90-day first-payment relief on new/used auto, boat or RV loans
  • Up to 60-day payment relief on existing loans
  • If your daily routine has changed due to the Coronavirus (COVID-19) or if you’ve been impacted by the virus and need financial assistance, please contact them.

First United Credit Union

  • If you encounter hardships as a result of the coronavirus, please call 616.532.9067.

Forest Area Federal Credit Union

  • Skip-a-Pay. They are currently waiving the fee for this service.
  • You can activate the Skip-a-Pay feature within It’sMe24/7 or by contacting the credit union directly.

Frankenmuth Credit Union

  • COVID-19 Relief Loan to help with financial hardships due to time off from work, unforeseen child care or whatever else may be making life a little more stressful. Rates are based on length of the loan, not credit score.

  • Please call or text 989-497-1600 to speak with them about your options.

Genisys Credit Union

  • Relief Loans - Term: 24 Months | Loan Maximum: $2,500 | 90 days until first payment | Rate: 0%
  • Free skip-a-pay
  • Returned late fees on all loan types
  • Waived feed for early CD withdrawls or Savings and Checking transfers
  • Contact them for additonal offerings

Honor Credit Union

Jolt Credit Union

  • Personal loan - 3% APR (flexible loan terms up to 36 months, no application fee); 90 days, no payments
  • Free skip-a-pays until May 31
  • Member Solutions extending due dates under certain criteria
  • Credit Card due dates extended under certain criteria

KALSEE Credit Union


  • Assistance Loan
  • Skip-a-Pay
  • Monthly fee waivers
    • ATM, service center
    • Telephone transfer
    • Share draft maintenance
    • Advantage 55 account
    • Business checking maintenance
    • Business checking transaction fees
  • Call 517-622-6600 to make an appointment and for help with the following:
    • Forbearance
    • Hardship extension agreements

Lake Michigan Credit Union

  • Free skip-a-pay for consumer loans (excludes real-estate and credit card loans)

  • 1.99% relief loan (3 weeks net pay for existing members encountering employment issues related to the outbreak and credit qualified)

  • Automatic increase of visa limits by $500 for those with 12 months on time LMCU Visa history (no application required)

Marshall Community Credit Union

  • In consideration and support of their member's financial well being, MCCU is waiving ALL Skip-A-Pay fees, until May 1, 2020. If you have any questions, please contact their offices at 269.781.9885

  • Skip-A-Pay Request Form

Members First Credit Union

MSU Federal Credit Union

  • Programs available to assist affected members such as short-term loans, loan skip-a-payment programs, and other options.

  • Call Center: 517-333-2424 or 800-678-4968

Michigan Legacy Credit Union

Michigan Schools & Government Credit Union

  • Loans from $500 to $2,500 at 0% APR up to 24 months, no payments for 60 days.

  • Skip-a-Payment for 90 days

  • Credit limit increases

  • Loan extensions allowing members to adjust the terms and payments on many of consumer loans

  • Free financial counseling and budgeting assistance

  • Suspending fees on:

    • Regulation D quarterly fee

    • ATM fee for members making withdrawals at non-MSGCU ATMs

    • Overdraft transfer fee

    • Business checking account fees

Monroe County Community Credit Union

  • 90 Days, No Payments
  • Free two-month Skip-a-Pay for consumer loans
  • Free two-month Skip-a-Pay for credit cards
  • Community Relief-Unsecured Loan at reduced rate up to $2000 24-month term
  • Loan modification options for real estate loans
  • Penalty-free certificate withdrawals
  • Financial counseling

North Central Area Credit Union

  • Loan payment extensions
  • Skip-a-Pay
  • Low-rate credit card balance transfers
  • Fee forgiveness
  • Hardship loans

Our Credit Union

  • If you are personally impacted and having a challenge making your loan payment, we encourage you to contact us so we can help you explore all options available.
  • Our support staff is here to help you at (248) 549-3838. You can also email us at A complete list of contact numbers and emails are available at

Peninsula Federal Credit Union

  • Loan special from March 23rd thru April 16th
    • $2,500 unsecured for 25 months
    • 2.50%
    • No payment for first 90 days
    • New money only
  • To assist our members during this time, we will give the members an opportunity to skip their April Visa payment
    • Interest will continue to accrue
    • If they wish, they can still make the monthly payment
  • No-Fee Loan Skip-A-Payment
    • Waiving the $25.00 skip payment fee
  • Waived fee on SWBC Payments
    • $10.00 fee will be waived on loan payments when paying with a Debit or Credit Card

People Driven Credit Union

Public Service Credit Union

  • Skip-a-Pay for eligible loans
  • No interest loans for employees
  • Waived fees for early CD withdrawals
  • Providing loan extensions and modifications to those affected
  • Relief loans available

TBA Credit Union

  • Waiving all Overdraft fees which includes:

    • NSF fees, Non-return fees, Overdraft transfer fees, and Negative balance fees

  • Income Supplement Loans

    • As low as zero percent and up to 1.99% for qualified borrowers

    • Up to three months lost wages, capped at $5,000 per month

    • First payment deferred for up to 3 months

  • Skip-Payment Program

    • Skip up to 2 months payments for all eligible consumer and business loans.

  • Access to Certificate of Deposit funds penalty free

  • Loan Modification Options for Consumer, Mortgage and Business Loans

  • Currently offering a Skip-Payment Program and waiving the fee for all members, including business members

  • Please contact the Service Center team by calling or texting 231.946.7090 to learn more

United Federal Credit Union

United Financial Credit Union

  • Skip-a-Pay up to 3 months
  • Waived fees
  • Line of credit and mortgage relief
  • 0% up to 18 months loan
  • Up to 60-day first-payment delay
  • Financial counseling

University of Michigan Credit Union

  • Skip-a-Pay program
  • Credit limit increase to members who are current UMCU Visa credit card holders
  • Save money with a low rate Visa Platinum Optimum starting at just 8.99% APR or earn cash back monthly on all purchases with a Visa Platinum Cash Rewards credit card starting at just 12.99% APR
  • Take advantage of an auto loan with rates starting as low as 1.99% APR
  • Enjoy a low rate recreational vehicle loan starting as low as 3.99% APR
  • Use the equity in your home to consolidate debt, pay for educational expenses and more with no closing costs on a home equity line of credit
  • Quickly and easily apply for any offers through UMCU’s mobile banking app, online banking or by calling 800-968-8628.

Zeal Credit Union

  • 0% loan for Members and Non Members
  • Skip-A-Pays with no fees for hardships
    • Visa included
    • Mortgages modifications for members with hardships.
  • Reduction of standard monthly fees.

Support Programs By Category

Below is a list of support programs by category. Please check with each indivdual credit union as offerings and loan details may change and differ between credit unions.

Low-interest loans (often for up to 12 or 24 months)

60 to 90-day deferments on loan payments

Skip-a-Pay programs on auto and home loans and credit cards

Mortgage and home equity payment relief

Emergency hardship loans

Increased credit limits

We have set up a COVID-19 resource page to provide credit union specific resources and guidance, state and local resources and updated information on our events.

Visit our MCUL Events Update page for more information or to discuss specific event concerns please feel free to contact us at

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