Resources You Can Count on During a Government Shutdown
At CPCU doing business as Scient FCU, we understand that a government shutdown can bring unexpected financial stress. That’s why we’re here to provide personalized assistance, flexible solutions, and peace of mind when you need it most. Whether it’s loan relief, financial counseling, or emergency support, you can count on us to stand by your side.
World affairs can impact our local communities and neighbors in ways we never expected. We understand. When unforeseen events damage your finances, we're here to help with your loan and mortgage payments.
If the government shutdown is creating difficulties for you, you don’t have to face them alone. Just complete and submit the Mortgage Assistance Form for mortgage-related issues, or the Borrower Assistance Form for consumer loan-related issues. We'll review your information to determine if you qualify for assistance.
Additionally, you and all Scient members have access to free financial services through our partner, GreenPath Debt Solutions. This includes financial advice, debt counseling, debt management, credit report review, housing services, bankruptcy counseling and more.
We are committed to helping you find a resolution that fits your needs. For more information, contact us at 877.860.6928.
Need a little breathing room during the government shutdown? Take advantage of our Skip-A-Pay option and keep more cash in your pocket when you need it most.
There are times when you could use some financial breathing room. Our Skip-a-Pay program could provide the relief. If you need to free up funds, you could put a pause on your monthly Scient consumer loan payments and put that money to use elsewhere. It's a smart option when unexpected expenses arise or when you need extra money for holidays or vacations. Just use our online form to get started.
Please note: Effective January 1, 2022, a maximum of two (2) skipped payments per loan, per year and no more than two (2) consecutive skipped payments are allowed.
Disclosure
To qualify for the Skip-a-Pay program, your Scient Federal Credit Union account(s) must be in good standing. Not applicable on modified loans, mortgage products, lines of credit or Scient Visas. Requests must be received prior to payment due date. Interest will continue to accrue and may exceed payment. An administrative fee, per loan, per month, will be required every time you request a skipped payment. New loans that have not had at least four (4) payments are not eligible. Cannot be used to resolve any past due status. Loan term extended one (1) month for each skipped payment. Gap policies may not be extended. Please see your separate GAP contract for details. Effective January 1, 2022, a maximum of two (2) skipped payments per loan, per year and no more than two consecutive skipped payments allowed. Other restrictions may apply.
Please be aware of additional circumstances that may apply to your loan:
- If the loan payment is an automatic withdrawal set-up with SFCU, SFCU must receive the skip-a-pay request three (3) or more business days before the withdrawal due date to ensure the ACH payment will not be transferred to Scient for the month skipped. (Please see our Disclosure for EFT & Wire Transfer Notification for more details)
- If the loan payment is an automatic withdrawal set-up at another Financial Institution, you will need to cancel the payment at that Financial Institution for the month skipped. Scient cannot stop a payment that has been set up at another Financial institution.
- If the loan payment is set up as a transfer within home banking at SFCU, you will need to cancel the home banking transfer for the month skipped. SFCU cannot cancel transfers set-up within your SFCU home banking account.
- Gap policies may be effected
