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Great changes are taking place at your Credit Union!
Expenses each month are rarely the same—with some tougher than others. And, we can all relate to emergencies upending even the best-planned budgets.
If you’re feeling the pinch and could do with a financial breather, we can help. You may be eligible to skip your next loan payment. Simply fill out the form below.
To request a loan deferral, enter your loan account number below. It can be
found in Online Banking by selecting 'Account Services' then 'Account Management'.
By accepting this offer, you request that Farmers Insurance Federal Credit Union (Credit Union) defer your next loan payment for the loan(s) indicated by you. You also understand and agree that: (1) FINANCE CHARGES will continue to accrue at the rate(s) provided for in your original loan agreement(s), during and after that time; (2) deferring your next payment(s) will result in you having to pay higher total FINANCE CHARGES than if you made your payments as originally scheduled; (3) this (these) payment deferral(s) will extend the term of your loan(s) and you will have to make extra payments after your loan(s) would otherwise be paid off; and (4) you will be required to resume your next regularly scheduled monthly payment(s) in the month following the deferred payment(s). If you previously elected credit life and/or disability insurance, the insurance coverage will be extended until the loan has been paid in full. All payment deferral requests are subject to Credit Union credit approval. All of your Credit Union loans must be current (have no amounts past due) at the time your request for this offer is received by the Credit Union for any of your qualifying loans. Certain other restrictions may apply.
Some loans may not be eligible: Student Loans, Commercial Real Estate Loans, Home Loans, Home Equity Loans or Lines of Credit, Certificate Secured Loans, Credit Cards, Signature Lines of Credit and Deferred Payment Loans do NOT qualify. If you choose to extend a payment that is set up through Direct Deposit, folio deductions, or automatic payment, the payment amount will be deposited to your Membership Savings account within 5 business days after the scheduled payment date. To qualify for Extended Payment, loans must meet the following criteria:(1) Loan must have been opened/funded for more than 6 months; (2) Current payment must be greater than $75/month; (3) No payment skipped/extended for this loan in the past 6 months; (4) All of the membership’s Credit Union loans must be in good standing; (5) Student Loans, Commercial Real Estate Loans, Home Loans, Home Equity Loans or Lines of Credit, Certificate Secured Loans, Credit Cards, Signature Lines of Credit and Deferred Payment Loans do NOT qualify, and (6) Loans with 0% APR DO NOT qualify. (7)Auto Loans with 18% APR DO NOT qualify. (8) Agency Secured Loans Only: Loan balance must be within the available contract value borrowing limit in order to extend a payment. There is a $40 fee for extending a qualified loan payment.
To qualify for Extended Payment, the primary borrower must meet the following criteria: (1) Borrower must be 18 years or older; (2) Borrower may not have previously declared bankruptcy; (3) Borrower may not have previously caused the Credit Union a loss through a previously unpaid loan charge off; (4) Borrower may not have previously caused the Credit Union a loss through an unrepaid share account charge off.
If you choose to extend a payment that is set up through Direct Deposit, Folio deductions, or automatic payment, the payment will automatically be posted to your loan on the scheduled payment date. The payment will subsequently be reversed and then the funds will be deposited to your Membership Savings account within five (5) business days after the payment date.
If you’re experiencing a financial setback due to COVID-19 and would like to speak to someone about your current Credit Union Credit Card, loan or line of credit payment, please submit a call request below.
Click here to submit a request.