Support for Members During a Government Shutdown
The federal government is currently shut down, and we understand this creates stress and uncertainty for many in our Wyoming communities, especially federal employees whose paychecks are delayed or reduced.
At WyHy, we stand by our members during difficult times. If you or your family are impacted by the shutdown, we have financial solutions to help you bridge the gap until regular pay resumes.
Furlough Emergency Loan
WyHy offers a special Furlough Emergency Loan for members affected by the shutdown:
-
0% interest for the first 90 days
-
No payment due for the first 90 days
-
Loan amounts up to two months’ payroll advance
-
Maximum repayment term of 18 months
-
Available to members with Direct Deposit who provide proof of reduced/delayed pay and a recent pay stub
-
Standard processing fee applies
-
No prepayment penalties
After the 90-day period, the loan converts to WyHy’s unsecured B credit tier rate. This option is designed to give you immediate access to funds while easing the strain of missed paychecks.
Skip-a-Pay on Existing Loans
If you already have loans with WyHy, you may be eligible for our Skip-a-Pay program. This allows you to skip a loan payment during this hardship so you can keep more money in your pocket when you need it most.
Fee Refunds
For impacted members, we are reviewing fees and may offer refunds or adjustments on certain charges caused by the shutdown. If you’ve been affected, please contact us — we’ll work with you one-on-one to find the best solution.
We’re With You
If you’ve been impacted by the government shutdown, please reach out to us. Whether it’s through the Furlough Loan, Skip-a-Pay, or fee assistance, our team is ready to help you find solutions that work for your situation.
Because at WyHy, We’re WyHy. We’re Wyoming. We’re with you.
Frequently Asked Questions
What is a government shutdown?
A shutdown happens when Congress does not pass funding legislation, causing certain federal agencies and programs to pause operations. Many employees are either furloughed (temporarily unpaid) or required to work without immediate pay until funding resumes.
Are my funds safe at WyHy
Yes. Your money is federally insured by the NCUA up to $250,000 per individual depositor, just like FDIC insurance at banks.
Will benefit payments like Social Security be affected?
Most benefit payments continue during shutdowns. However, customer service activities like card replacements or benefit verifications may experience delays.
How long will this shutdown last?
There’s no way to know. But rest assured, WyHy is financially strong, member-focused, and built to support you during times like these.