Emergency Support

When Life Gets Tough, You’re Under Our Umbrella

At Tongass Federal Credit Union, we understand that life can be unpredictable. Whether you’re facing a natural disaster, the loss of a loved one, or an unexpected financial hardship, we’re here to stand by your side. Our commitment is to you—our members—and the Southeast Alaska communities we call home.

When money gets tight, don’t face it alone. Visit your nearest Tongass FCU location or call (907) 225-9063 to talk with someone who will listen and help you find the best path forward.

Find a Branch
Call for Help

SUPPORT OPTIONS

When the unexpected happens, we’re here with options designed to provide stability and peace of mind.

COURTESY PAY / OVERDRAFT FLEXIBILITY

We encourage Tongass FCU members to manage their finances responsibly, yet recognize that unexpected expenses can arise. That’s why we offer Courtesy Pay*—a safety net providing up to $1,000 when you need it most, with a nominal $10 fee per transaction.

Opting in is simple. Once enrolled, these additional funds will be available for ATM withdrawals and everyday debit card purchases, seamlessly covering overdrafts and even providing access to emergency cash.

You’ll be notified every time a courtesy payment is made on your behalf, and you’ll have 30 days to repay the amount and the associated $10 fee per transaction.

HOW TO OPT IN

SKIP-A-PAY OPTION

Every twelve months, members in good standing can skip a payment for one month on most personal loans (excluding real estate, business, and credit card loans). This option provides temporary relief and helps you regain control during difficult times.

PROGRAM DETAILS

  • $25 processing fee
  • Only one skip-a-pay per calendar year, per loan
  • No delinquencies over 30 days in the past 12 months
  • Loan must have at least six timely payments before the first skip
  • No lapse of insurance on collateral
  • Maximum of two skips during the life of a loan if there is Credit Life/Disability or
  • GAP coverage
  • Other restrictions may apply

HOW TO APPLY

  • Submit your Skip-a-Pay request in online banking, by phone, or in branch before your payment due date.
  • Request a Skip-a-Pay

OTHER OPTIONS

If you’re facing a more serious financial setback, our team can help explore additional solutions, including interest-only loan extensions for disrupted income or low-interest emergency loans to cover unexpected expenses.

Our focus is always on finding the best way to support you. Contact us to discuss your options and create a plan that fits your needs.

ROOTED IN THE SPIRIT OF THE TONGASS

 At Tongass FCU, you’re more than a member—you’re part of a community that stands together. Rooted in the Spirit of the Tongass, we believe in facing life’s challenges side by side, finding strength, support, and solutions—Today, Tomorrow, Together.
Umbrella man

CREDIT UNIONS HAVE ALWAYS BEEN THERE

The “little man under the umbrella” has long symbolized what credit unions stand for—protection, compassion, and community. As financial cooperatives, credit unions were built to shelter people from financial hardship, not profit from it. That legacy continues today. At Tongass FCU, you’re part of something larger: a cooperative that stands together through every storm. We believe that when our members thrive, our communities thrive.
Tlingit design element
*Courtesy Pay is discretionary, and Tongass FCU reserves the right not to pay any overdraft. If paid, a $10 fee applies per overdraft transaction, with a maximum of $100 in Courtesy Pay fees per day. Courtesy Pay may cover checks, transactions using your checking account number, and recurring debit card payments. ATM and everyday debit card transactions are not covered unless you opt in. Overdrafts must be repaid within 30 days, and your account must remain positive for 24 hours after repayment.