Financial Assistance

We understand there are times in your life when you might need a little extra help. The Credit Union has a number of options designed to lighten your burden, no matter what financial challenges you might be facing.

We offer a number of potential deferral options depending on the type of loan you have.
Please Note: You are limited to three deferrals in a rolling 12-month period.* Real estate loans are limited to two deferrals in a 12-month period.

AUTO/PERSONAL LOAN DEFERRAL

Submit a request by logging into online banking and clicking on the rotating Loan Deferral banner on the right. In mobile, click the “more” button to access the banner.

If you require additional options, call us at (800) 533-0035 and ask to speak with a loan officer.

CREDIT CARD DEFERRAL

You may submit a request to defer a payment on credit cards by completing an online form. Please allow two business days for processing before your due date in order to avoid a late fee.

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REAL ESTATE DEFERRAL

To request a real estate loan deferral, send an email to MortgageHelp@aacreditunion.org and include an explanation as to why you need relief. Members making requests by the 25th of the month will have their next two month’s payments deferred. You may also contact the Mortgage Servicing department for details about our deferral option at 1-800-533-0035, extension 4210.

STUDENT LOAN DEFERRAL

Student loans are serviced by University Account Services (UAS). Please log into your UAS loan account, send a message or call (800) 723-2210 to speak with a servicing agent about a hardship forbearance.

BUSINESS LOAN DEFERRAL

If you need help with your business loan, please contact our Business Services Department at (800) 533-0035, Ext. 4123.

AUTO/PERSONAL LOAN DEFERRAL

Submit a request by logging into online banking and clicking on the rotating Loan Deferral banner on the right. In mobile, click the “more” button to access the banner.

If you require additional options, call us at (800) 533-0035 and ask to speak with a loan officer.

CREDIT CARD DEFERRAL

You may submit a request to defer a payment on credit cards by completing an online form. Please allow two business days for processing before your due date in order to avoid a late fee.

Apply Now

REAL ESTATE DEFERRAL

To request a real estate loan deferral, send an email to MortgageHelp@aacreditunion.org and include an explanation as to why you need relief. Members making requests by the 25th of the month will have their next two month’s payments deferred. You may also contact the Mortgage Servicing department for details about our deferral option at 1-800-533-0035, extension 4210.

STUDENT LOAN DEFERRAL

Student loans are serviced by University Account Services (UAS). Please log into your UAS loan account, send a message or call (800) 723-2210 to speak with a servicing agent about a hardship forbearance.

BUSINESS LOAN DEFERRAL

If you need help with your business loan, please contact our Business Services Department at (800) 533-0035, Ext. 4123.

* Interest will continue to accrue resulting in additional interest paid on the loan(s) and your loan maturity date will be extended. See disclosure on the deferral request form for circumstances in which you or your loans may be ineligible for deferral. Loan payments that you’ve set up through other financial institutions via ACH transfer can’t be stopped automatically. Please contact your other financial institution(s) to temporarily stop payments from being sent.