You're in a tight spot. We get it.
Get up to 60 days of payment relief. No judgment. Just a real review to help you breathe easier.
Losing a job, shrinking income, surprise bills—life can hit hard. That doesn’t mean your money—or your credit—define you. We want to work with what you’ve got, not pretend like everything’s perfect.
Use our standard loan application — it's how we process hardship requests. In the comment section, tell us what's going on. Be honest about your situation and where you think it's headed. We're more likely to approve an extension if there's a plan in place or a clear path.
Yes, we’ll do a credit pull. Not to judge — but to understand what kind of solution is actually possible.
Pay the $40.00 extension fee upon application approval. (See the "Extension Fee" below to learn how to do this.)
If an extension makes sense based on your situation and your plan to move forward, we’ll work out the best option.
Important: Extensions aren’t guaranteed. We approve them when we see a real path forward — not just a pause button with no plan. If we can help, we will. If we can’t, we’ll still point you toward what’s next.
A $40.00 extension fee is required and must be paid upon application approval.
This isn’t a penalty — it simply helps us keep the process moving without delays or extra steps.
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Stop by any branch location. A member representative can transfer funds from another AACU account, or you can bring cash or a check.
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Visit a Shared Branch location (bring your AACU savings account number) to deposit cash or a check.
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Log into Online Banking to transfer from another AACU or linked external account, or use the AACU mobile app to deposit a check payable to yourself.
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Call Member Services at 800.223.1983 to add funds by eCheck or debit card (phone deposits include a processing fees.)
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- eCheck: $4.95 processing fee
- Debit card: $9.95 processing fee