Support for Members Impacted by the Federal Government Shutdown
When income is disrupted, Veridian is here to help.
Published Friday, November 7, 2025 to Articles
We're now in the second month of a U.S. federal government shutdown. Although the senate has advanced a funding measure that could end the shutdown soon, we’re continuing to support members affected by missed paychecks that aren't flowing just yet.
Two Ways To Help
Members can select from one of the following options that best matches their need:
Interest-Free Government Advance Loan
Get a 0% interest loan^ that works like a temporary paycheck advance until federal pay resumes.
- No interest or fees — repay only what you borrow.
- Short-term repayment — one lump-sum payment due within 30 days.
- Loan amount based on your recent federal direct deposits to Veridian.
A simple, short-term way to cover essentials until your paycheck arrives.
Or...
Delay-a-Pay with No Fee
If you already have an eligible^^ Veridian loan, you can delay one payment at no cost.
- No fee or penalty.
- Keeps your account in good standing.
- Gives you extra flexibility while income is on hold.
How to Get Started
- Check eligibility. You must be a Veridian member whose income is affected by the federal shutdown and have a history of regular federal direct deposits.
- Ask about your options. We’ll help determine whether a paycheck advance or payment delay fits best.
- Apply easily. Visit your nearest branch or call 800-235-3228 to get started.
Updated for November
These options are available to:
- Members using them for the first time, and
- Members who used one of these options in October.
If you received assistance last month, you’re eligible for a second Government Advance Loan or Delay-A-Pay in November.
Plus...
Early CD Withdrawal^^^
In addition to Delay-a-Pay or a Government Advance Loan, members can also access savings sooner with no fee.
- No fee or penalty for withdrawing funds before the CD maturity date.
-
Gives you access to your money now, when you need it most.
Why We’re Offering This Support
We know a shutdown can create financial stress through no fault of your own. These relief options provide short-term stability and peace of mind — another way we live our mission to help members improve their financial lives.
Veridian members have always supported each other through life’s ups and downs. These temporary relief options are one more way we’re here when you need it most.
^ The Government Advance Loan is a temporary, 30-day single-payment loan available to federal employees who had verifiable federal payroll deposits to a Veridian account in September 2025 and have not received a federal payroll deposit since the government shutdown began October 1, 2025. Only one Government Advance Loan may be open at a time. Members who received a Government Advance Loan in October 2025 may refinance with a new Government Advance Loan in November. New/Additional Government Advance Loan monies borrowed in November 2025 may not exceed the member's most recent federal payroll deposit. Members may not participate in both the Government Advance Loan and the fee-free Delay-A-Pay in November 2025. All loans are subject to approval.
^^ To qualify for Delay-A-Pay, accounts and loans with Veridian must be in good standing. You may not use Delay-a-Pay on your first payment or for consecutive payments within the same calendar year. Business loans, mortgage loans, Visa credit cards, home equity loans, Payday Alternative Loans, student loans and overdraft lines of credit are not eligible for the Delay-a-Pay program. Additional eligibility limitations may apply depending on loan type, and all deferrals are subject to final approval by Veridian. Finance charges will continue to accrue on a daily basis, which may change the amount required to pay the loan in full and the schedule of repayment. Each use of Delay-a-Pay extends the term of your loan by one month, and interest will continue to accrue.
^^^ Available to existing members who are federal employees. Subject to approval.