Here for You
We understand that the ongoing federal government shutdown can cause financial strain. Our Emergency Recovery Loan is here to help impacted members.
Emergency Recovery Loans
Designed with our members in mind, emergency loans of up to $2,500 are available with flexible options. To apply, simply visit any of our 14 financial centers, where a Financial Services Officer will be ready to assist you.
Frequently Asked Questions
To ensure personalized support, Emergency Recovery Loans are available exclusively at First Commerce financial centers. Online applications are not available—visit us in person to get started.
This special loan is designed to support those directly impacted by the federal government shutdown. To be eligible, you must:
Be a federal government employee or contractor affected by the shutdown. (Proof of recent paystubs or an active federal contract is required. Approval as a contractor alone does not qualify.)
Be a First Commerce member as of October 1, 2025, with a checking account and direct deposit payroll connected.
Speak with a Financial Services Officer to review any additional eligibility criteria.
Loan amounts are available up to $2,500, with flexible terms based on the amount:
Up to $1,000 – 24-month repayment term
$1,001 to $2,500 – 48-month repayment term
Loans ≤ $1,000: 24-month term
Loans > $1,001: 48-month term
All Emergency Recovery Loans will have a 5% fixed rate.
Our team is here to guide you every step of the way. Visit your nearest First Commerce financial center to speak with a Financial Services Officer and explore how we can support you during this time.
Explore Our Financial Wellness Resources
Assessing Your Finances Guide
This guide helps you take control of your financial situation and sets the foundation for long-term financial wellness.
Creating a Budget Course
Learn how to create a personalized budget and build smart spending habits with this interactive course.
Create a Budget Tool
Use this interactive tool to set budget goals, track expenses, and stay on top of your finances.
Assessing Your Finances Guide
This guide helps you take control of your financial situation and sets the foundation for long-term financial wellness.
Creating a Budget Course
Learn how to create a personalized budget and build smart spending habits with this interactive course.
Create a Budget Tool
Use this interactive tool to set budget goals, track expenses, and stay on top of your finances.
