Disaster and Emergency Support Services
Here For You In Times Of Hardship
Financial Assistance For Emergency Recovery
On Tap Credit Union has supported members for over 70 years and we understand the struggles that can happen when it comes to emergency situations like natural disasters, government shutdowns, or mass layoffs. Even if you are not a current member we are committed to crafting solutions for you in times of success or hardship.
Below are a few solutions our team is ready to help you with.
- Loan deferments available. To help expedite the process, you can now call for an Emergency Loan Deferment. This would apply to any On Tap Mortgage, Auto, Credit Card, Home Equity, and Personal Loan. (Mortgage must be with On Tap CU and not sold to another lender). Call 303.279.6414 to speak with a member of our team.
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No payments up to 90 Days*
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Eliminate restrictions and early withdrawal penalties on certificates.
- Debt restructuring
- To help lower payment
- To support reduced income
- To avoid the loss of assets
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To help reduce stress
- Free financial guidance - valued at up to $500
- To preserve credit rating or standing
- To assist in avoiding the need to run up credit card debt
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To help reduce stress
- Emergency Loan 0% APR for 60 days**
- 0% APR and no payment for 60 days; 5% APR after 60 days
- Must show proof of disaster impact and/or government employment
- The maximum amount is 1.5 months of pay, and the maximum loan term is 18 months.
Additional Mortgage Support from Fannie Mae’s Disaster Response Network:
Whether you have a loan serviced with them or not, Fannie Mae’s Disaster Response Network is available to discuss options with you. Call the Disaster Response Network at 1-877-780-1199 or we've included a PDF of frequently asked questions for your reference.
Contact us and we'll help craft a solution for you. We are here to help!
*Finance charges will accrue if you have a balance.. **APR = Annual Percentage rate. Emergency loan terms are subject to eligibility and approval. Membership in good standing and direct deposit from federal employment are required. Loan amounts are based on verified net pay and may not exceed $12,000. Credit reports will be reviewed. Terms include 0% interest for 60 days, followed by 5% interest for the remaining term. Additional documentation may be required.