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Financial Hardship—Loan Assistance for Members Impacted by COVID-19

As your financial partner for life¸ we are here to help you during this difficult time. If you have been adversely impacted by coronavirus (COVID-19), we have programs in place to help, including our Emergency Loan, Loan Deferment Program (use Contact Us form to request a loan deferment) and Mortgage Forbearance Program.

Emergency Loan Program

Our primary focus is providing members with the products and services they need to maintain their financial soundness. If you’ve been affected by COVID-19 and need help with your account, we have a fixed-rate Emergency Loan*.

Maximum Loan Amount: Up to $5,000
Term: Up to 60 months
Fixed-Rate: 5.00% APR**


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Mortgage Forbearance Program

If your ability to pay your mortgage has been impacted by COVID-19, you can request a Forbearance on your loan.

A Forbearance plan temporarily suspends your monthly payments during the Forbearance Period (3 months) and will make your loan past due and interest will continue to be assessed. If at any point during the Forbearance Period you are able to make a payment, please do. If you are unable to make your payment during this period, we will not assess a late fee and will not report derogatory information to the credit bureaus.

At the end of the Forbearance Period, or before, you have the following options to resolve any past due amounts:

Option 1: Bring your loan current by paying all past due amounts (including those not paid during the Forbearance Period)
Option 2: Contact us to set up a repayment plan. A repayment plan adds a portion of your past due amount to your regular monthly payment until your account is current
Option 3: Apply for a more permanent loss mitigation solution by completing a Mortgage Assistance Application.

For more information or to apply for a Forbearance, please call us at (800) 537-8491 during normal business hours (Monday-Friday: 7am to 7pm; Saturday: 9am to 1:30pm).
Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.


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All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria, and term of loan, and are subject to change without notice. Other restrictions may apply. Call for complete details.

*First payment will be due 90 days from funding date.

**APR=Annual Percentage Rate. All loans are subject to credit approval and all FFCU policies and procedures. Loan rates are based on credit history, collateral criteria, term of loan, and are subject to change without notice. A $5,000 fixed-rate loan for 60 months borrowed at 5.00% APR would require 60 monthly payments of $94.38. Other restrictions may apply. Speak to a lending expert for further details. First Financial is an equal opportunity lender. Information accurate as of 03/13/2020.