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Financial Hardship Assistance Programs

Financial Hardship Assistance Programs



As always, we are committed to being here for you! If you find yourself financially impacted by Coronavirus (COVID-19), we want to help. Below are some options we have to make things a little easier during this difficult time. If you have any questions please contact us via phone at (434)-964-2001 (toll free: 888-887-9136), Secure Message, or Online Chat.  


Personal Financial Assistance Options
  • Auto and Personal Loan Skip-a-Payment*
    • Skip your next payment on an eligible auto and/or personal loan
    • No application fee
    • Must meet eligibility requirements
    • Apply Now
  • Emergency Support Loans
    • Borrow up $3,000 at a low fixed rate of 6.99% APR for up to 18 months**
    • Apply Now
  • Credit Card Balance Transfer and Credit Card Limit Increases
  • Consider Mortgage Refinancing to take advantage of current lower rates***
    • This could help lower your monthly payment or allow you to consolidate higher-rate debt
  • Consider a debt consolidation loan using the equity in your home with a Home Equity Line of Credit or Home Equity Loan
  • Consider a debt consolidation loan with our Personal Loan
  • Consider refinancing your higher rate auto loans with other lenders to possibly lower your monthly payments
  • Other hardship options may be available

Business Assistance Options

Existing UVA Community Credit Union Business Loans

Members with an existing business loan impacted by the COVID-19 pandemic should contact their Commercial Loan Officer.

SBA Relief Loans


The U.S. Small Business Administration is providing aid for businesses of all sizes and private non-profit organizations in response to the COVID-19 virus' impact on the economy. We are proud to support these programs as a SBA-preferred lender.


To Further Assist You During This Time of Need:
  • We're temporarily waiving our ATM transaction fees on all non-UVA Community Credit Union ATMs. Other financial institutions' surcharge fees may still apply. Additionally, we have over 80,000 surcharge-free ATMs in our network. Use our Locator to find one near you.
  • Please take advantage of our financial education resources.
  • We will be regularly sharing and posting tips and alerts on our Facebook, Instagram, Twitter, and LinkedIn pages for your convenience.

Other restrictions may apply. All loans subject to credit approval. Membership eligibility required. Offers are subject to change at any time.

* To be eligible for Skip-a-Pay, you must be a member in good standing, and all loans and accounts must not currently be past due. Finance charges (Interest) will continue to accrue on a daily basis at the Annual Percentage Rate set forth in your loan agreement during the deferral period.

** APR = Annual Percentage Rate. Effective 11/02/2020. Limited time only. Loans must be funded within 30 days of application with UVA Community Credit Union to be eligible. 6.99% APR payment example: 18 monthly payments of $58.68 per $1,000 borrowed. Rates, terms and conditions are subject to change and may vary based on creditworthiness. Not all applicants will qualify for the lowest rate or maximum loan amount.

*** Mortgage services provided by Member Options, LLC (licensed by the Virginia State Corporation Commission, VA License #MC-5520) NMLS #194038 ( a wholly owned subsidiary of UVA Community Credit Union. Equal Housing Lender.

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