When Money Gets Hard, We're Here to Help

Financial hardship can happen to anyone. UMCU's Solutions Team offers free, confidential counseling to help you find a path forward. No judgment. No pressure. Just real people who care about you and your situation.

Schedule Free Financial Counseling

What Is Financial Hardship Assistance at UMCU?

UMCU provides financial hardship assistance giving members access to free, one-on-one counseling through our Solutions Team. Whether you're behind on payments, worried about what's coming, or navigating a major life change, we'll take the time to understand your situation and work with you on a plan that fits your life.

Unlike many banks and credit unions, UMCU does not charge for this service. Our Solutions Team exists specifically to help members work through financial difficulty with compassion, knowledge, and real options.

Ask About Your Options

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What We Can Help You Work Through

Our Solutions Team members listen first and problem-solve second. There's no pressure to make a decision on the spot. Every conversation starts with understanding what's going on in your life.

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Repayment Planning

Talk through your current payments and explore options that better fit your situation, whether that's a different timeline or a more manageable monthly amount.

Loan and Mortgage Review

Discuss your auto loan, mortgage, or personal loan with someone who can look at your full picture and talk through what options may be available on a case-by-case basis.

High-Interest Debt

We'll explore whether consolidating high-interest credit card debt makes sense for your situation, with no pressure to commit to any specific direction.

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Credit Rebuilding

Learn about savings tools and credit-building options that can help you strengthen your financial position over time, starting from wherever you are right now.

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Budget Coaching

Work with a team member to find savings opportunities and create or adjust a budget that helps you stay on track toward your goals.

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Delinquency and Recovery

If you're dealing with a past-due account, a repossession concern, or a bankruptcy situation, we'll help you understand your options without judgment.

What to Expect When You Reach Out

Start the Conversation

Call us, visit a branch, or schedule a free counseling session online. No commitment required, just a conversation.

We Listen First

A Solutions Team member takes the time to understand your full situation before exploring any options with you.

Build a Plan Together

We'll identify next steps that fit your life, if that's a new budget, a loan review, or a follow-up conversation.

Financial Hardship Assistance FAQs

It depends on your financial goals! The Platinum Optimum is great for establishing or rebuilding a credit score while the Platinum Cash Rewards gives you 1.10% back on EVERY purchase. Both of UMCU's Visa^® credit cards provide below average interest rates*, so you win either way. Our team members are happy to help you decide. Give us a call, visit a branch, or send us a secure message in the online banking portal!

**Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.

Download a Mobile Wallet app on your smartphone.
Add your UMCU credit card to the app.
Use your mobile device to pay by tapping or swiping it against the store's payment terminal.

Funds will be automatically deducted from your card as you make purchases using the digital wallet.