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Emergency Relief

Emergency Financial relief.

If you or your family are experiencing financial difficulties related to the coronavirus (COVID19), Inspirus Credit Union, a Division of Gesa Credit Union, has tools available to help.

As a member-owned credit union, we are built to support our members and communities we serve. We are in a unique position to help, so we believe we have a responsibility to do just that.

Personal Loans During Challenging Times

For members facing financial hardship because of the coronavirus (COVID-19), Inspirus Credit Union is offering personal loans to help during your time of need.

Personal loans can cover bills and other expenses associated with the coronavirus (COVID-19) pandemic. These include:

  • Interrupted employment and income
  • Childcare costs
  • Other unexpected impacts

Need assistance? Call us at 888.628.4010

Skip-A-Payment

In these difficult times, we are here to help you free up cash to cover unexpected financial challenges due to the coronavirus (COVID-19) pandemic. Qualified Skip-A-Payments will allow most members to skip loan payments for 30-90 days* at no cost. Applying for a Skip-A-Payment is quick and easy. Simply send us a message through secure messaging (be sure to let us know the loan you want to skip) or call us at 888.628.4010.

Skip-A-Payment loan types include:

  • Auto loans up to 90 days
  • Boat/RV loans up to 90 days
  • Personal loans up to 90 days
  • Credit Cards up to 30 days

*Some limitations may apply. Contact the credit union for full program details.

The Fine Print

*This offer is not valid for mortgage, home equity line of credit loans, fixed home equity loans, lines of credit, business loans, Fast Cash loans, or if your loan has become delinquent. No skip requests will be honored until your loan(s) is brought current. Your normal payment schedule will resume the following month. Loan extensions may extend the term of your loan(s). Interest will continue to accrue on the current balance of the loan(s). The next regular payment(s) you make following an extension will reflect a higher amount paid to interest. If you purchased supplementary products in connection with your loan such as GAP, extended warranty or debt cancellation a Skip-A-Payment may affect any claim amounts you receive in the future. This offer is non-transferable and non-refundable. Up to three skip payments per qualified loan every twelve months. Other exclusions may apply.

Learn More

Home Loan Forbearance

If you are facing financial hardship due to the coronavirus (COVID-19) pandemic, Gesa is offering a forbearance, or pause, on Home Loan payments for eligible members.* You can pause your Home Loan payments for up to six months to help you through these challenging times. Eligible Home Loans include:

  • First Mortgages
  • Second Mortgages, such as Fixed Rate Home Equity Loans (excludes Home Equity Lines of Credit)

Applying for this important benefit is easy. Simply call our Contact Center at 888.628.4010 and let them know you are facing a hardship due to the coronavirus (COVID-19) pandemic. Please know that if it takes us a little longer to answer the phone during this time, it is because we are working with another member who also needs our help. We assure you, although it may take a little longer, we will give you our full attention as soon as we get you on the line. Once you apply, your payments will be paused immediately from the date of your request.

*Some restrictions apply. For full program details, call the Contact Center at 888.628.4010. Utilizing a Home Loan forbearance will extend the term of your loan for the number of months that are paused. Interest will continue to accrue. With interest continuing to accrue, your loan balance will be higher at the end of the forbearance than when the forbearance began.

Student Loan Forbearance

If you are having trouble making your student loan payments because of the coronavirus (COVID-19) pandemic, Student Choice is offering a forbearance, or pause, on student loan payments for up to 90 days at no cost for eligible borrowers.*

Call Student Choice at 800.723.2210 to apply today. When you call, let them know you are facing financial hardship due to the pandemic to begin the application process. For more information about your student loan, click the button below.

Learn More

*Some restrictions apply. For full program details, call Student Choice at 800.723.2210. Utilizing a Student Loan forbearance will extend the term of your loan for the number of months that are paused. Interest will continue to accrue. With interest continuing to accrue, your loan balance will be higher at the end of the forbearance than when the forbearance began.

A Secure Place for Your Money

The NCUA federally insures all Inspirus Credit Union deposit accounts (e.g., checking and savings) up to $250,000. That means your accounts are protected and still earning dividends, despite any volatility in the stock market.

Here to Help

Our team is empowered to take action to help our members affected by the public health crisis. We encourage you to contact an Inspirus Credit Union representative at 888.628.4010 for more information about how we may be able to help.

Inspirus is taking action to protect and assist our members, employees, and the community during the coronavirus (COVID-19) pandemic. We have resources to help manage your money remotely, tips to avoid fraud, and more. Learn more.

We appreciate your patience.

We do our best every day to make sure we deliver excellent service to all our members. Much as our members are being impacted during this challenging time, so are our staff. We have contingency plans in place, but please know that if it takes us a little longer to process a loan request or answer the phone, it is because we are working hard to assist all our members who need a helping hand. We assure you, although it may take a little longer to answer the phone, we are here to help you. We appreciate your patience and understanding during this time.