Nuvision’s Emergency Response
Relief Program
We’re here when you need us. If you’ve been financially impacted by the recent government shutdown, you may qualify for temporary assistance. Explore our relief options and apply online today.
As a Nuvision member, you may be eligible for:
Unsecured Loan
Borrow up to $5,000 at a
10.49% APR* over 5 years2
First payment due in 90 days
Home Equity Line of Credit (HELOC)
Up to $25,000 | 80% Loan-to-Value (LTV)3
Flexible borrowing with competitive rates
PAYMENT DEFERRAL
Eligibility
- Must be an existing Nuvision Credit Union member for 6+ months with accounts in good standing
- Financial hardship directly linked to the federal shutdown
- Age 18 or older
- Must meet standard credit union underwriting criteria
How It Works
- Check your eligibility above or call our Member Care Center at 1-800-444-6327.
- Complete a simple application and upload proof of hardship (e.g., furlough notice, contractor invoice delays)
- Receive a decision same business day
- Funds are deposited into your account
Frequently Asked Questions
Members who experience reduced or delayed income due to the government shutdown.
Approved loans are funded within 1–3 business days after approval.
Yes. You may combine any of our relief products, subject to eligibility and underwriting.
Contact Us
Have questions or need assistance? Visit nuvisionfederal.com/emergency-response-loan-relief or call 1-800-444-6327.
We’re here to help you navigate this challenging time.
*APR=Annual Percentage Rate. All loans are subject to credit approval. Terms may vary based on loan amount and creditworthiness. Failure to repay as agreed may result in collection action, fees, and adverse credit reporting. Program is temporary and may be modified or discontinued at Nuvision’s discretion.
1Get up to $500 at 0% APR for 12 months. Offer available to qualified applicants only. Loan must be repaid in 12 equal monthly installments of $41.67. No finance charges or fees apply. 0% APR is valid only for the first 12 months; late payments may result in fees or loss of promotional rate. Terms and conditions apply.
2Borrow up to $5,000 at a 10.49% APR over 5 years. First payment due in 90 days. Interest begins accruing on the date of disbursement. 60 monthly payments of approximately $108.00. Fixed APR of 10.49% based on creditworthiness and loan amount. Additional terms and conditions apply.
3Credit limits up to $25,000 available to qualified applicants. Maximum LTV of 80%. Variable APR applies. HELOC rates are based on the WSJ Prime Rate, which adjusts on the first day of each billing cycle and includes a margin (up to 2.00%) based on loan criteria. As of 09/25/2025, the APR ranges from 7.50% – 8.50%. The APR cannot increase more than 8% above the initial rate without exceeding the maximum APR of 18% or fall below the floor rate of 4%. Minimum credit line available is $10,000. Current rates and maximum APR are subject to change. Credit advances available during a 10-year draw period, followed by a repayment period of up to 15 years. Monthly payments are required during both periods. During the draw period, your minimum monthly payment will be 1.00% of the outstanding balance or $75.00, whichever is greater, and will include any past due amounts, over-limit balances, and applicable fees. After the draw period ends, your monthly payment will be recalculated to repay the remaining balance at the current variable APR. Making only minimum payments may not fully repay the principal. Any remaining balance at the end of the repayment period must be paid in full in a single lump-sum payment. Fees include a $15 late fee (for payments more than 15 days past due), a $40 annual fee, and a $30 non-sufficient funds fee. Subject to credit approval and property valuation. Additional terms and conditions apply.
4Approval of deferral requests is at Nuvision’s sole discretion and subject to eligibility. Interest will continue to accrue on your loan balance from the original date of disbursement throughout the deferral period. Deferred payments will extend the maturity date of your loan. A deferral does not waive or forgive any portion of the loan balance or accrued interest. Additional documentation of shutdown-related hardship may be required.
Nuvision Federal Credit Union, NMLS #447411. Equal Housing Lender. Federally insured by the NCUA.
