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

Please reach out to our Solutions Department as soon as possible. We understand that life happens, and our team is here to work with you to find a manageable path forward. Visit our appointment scheduler and select “Financial Hardship” and one of our experts will reach out to you.

We encourage you to contact our Solutions Department even before a payment is missed. Whether you are facing a change in employment or an unexpected expense, our experts can review your account and discuss proactive options to help protect your credit and ease your financial stress. At UMCU, we are in your corner and committed to helping you navigate these transitions with confidence. Visit our appointment scheduler and select “Financial Hardship” and one of our experts will reach out to you.

We’re happy to provide FREE financial counseling to help get you back on track after a financial hardship! Visit our contact us page to schedule an appointment with a financial wellness expert.

UMCU offers free, confidential, one-on-one financial counseling to members either in person or via telephone. These sessions are customized to your individual situation, and will always include a review and analysis of the monthly budget. Financial counselors are able to help members with credit issues, identifying options for debt management, and strategies to reduce expenses while increasing savings. The goal is to regain better control over the day-to-day finances, while also putting an emphasis on longer-term, sustainable financial health. Give us a call or schedule an appointment today!

In some situations, exploring a debt consolidation loan could be a viable option. If you find yourself with multiple unsecured debts, and many at high interest rates, a personal loan or a UMCU Visa® for debt consolidation could allow you to pay-off those debts with one new loan at a lower interest rate. It helps with getting the bills organized, and it can also save you money. UMCU’s My Choice Loan provides competitive rates and an easy application process. Credit is a factor, as is monthly income, so talk to a UMCU Member Service Representative today.

Yes, UMCU offers free monthly workshops that are designed to provide you that essential financial education to help build your knowledge and confidence. Topics rotate throughout the year, and workshops are offered at various times to accommodate schedules. Click here to view our upcoming webinars.