Missed Loan Payments

If you think you may miss a loan payment — or if you have already missed one — Tongass FCU is here to help you understand your options and take the next step.

Please reach out, even if you don't have everything figured out yet, we're here to help.
Tongass FCU is a not-for-profit financial cooperative, which means our goal is to work with our Member-Owners and help them move forward when life gets complicated. The sooner we hear from you, the more opportunity we may have to talk through possible next steps based on your loan type, account status, and situation.

I may miss an upcoming payment

If you think you won't be able to make your full payment on time, contact us as soon as possible. Reaching out before the payment is missed may give us more options to discuss.

Possible options may include:

  • Payment Arrangements
    If making your full payment right now is difficult, we may be able to discuss a temporary payment arrangement based on your situation.
  • Loan Modification, Deferral, or Other Relief Options
    Some loans may qualify for additional support depending on the loan type, account status, and your circumstances.

I have already missed a payment

If you already missed a payment, the most important next step is to contact us. Waiting can make the situation harder and may limit available options.

What you can do now:

  1. Reach out to Tongass FCU
    Use the form below to contact us now. You do not need to know exactly what to ask for—just tell us what happened and the best way to contact you.
  2. Have your information together. 
    The more information you can provide the more we'll be able to work with your specific situation, whether it's just a mistaken missed payment or financial issue. Depending on your loan and your situation, we may be able to discuss payment arrangements or other possible solutions.

    We’re here to work with you

    We’re here to help you move forward with a clear next step. As a member-owned cooperative, our goal is your financial wellbeing — but we need to hear from you so we can understand what is going on and what options may be available.

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    Contact us to get started

    If you're worried about making your next loan payment—or you've already missed one—you don't have to navigate it alone. Life happens, and financial challenges can affect anyone. The most important thing you can do is reach out early so we can better understand your situation and discuss possible next steps. Just fill out the form below and tell us the best way to reach you—by phone, text, or email—and we'll take it from there.

    • This field is for validation purposes and should be left unchanged.

    Please do not include sensitive personal information, such as your Social Security number, account number, or member number, in this form.

    Important note: Submitting this form does not guarantee approval for a payment arrangement, deferral, modification, Skip-a-Payment, or other relief option. A Tongass FCU team member will review your request and contact you about possible next steps.

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