Member Bridge Loans & Existing Loan Assistance

Western Connecticut FCU is here to keep you financially fit and strong while we are dealing with the health crisis surrounding the COVID-19 outbreak.  As your Financial First Responders you can count on us to help you as much as we possibly can.  We have several tools in our Financial First Aid Kits already and continue to develop more ways to help our members as we learn more and get a better understanding of your needs.

We encourage you to write to us at or to call us at 203-791-399 to tell us how we can help you get through this challenging time.

To help you understand the kinds of tools we have available, we want to share the information below with you:


If you are unemployed and waiting for unemployment benefits to begin, we can provide you with a bridge loan that will allow you to continue meeting basic needs for you and your family.  We will ask for you to share your notice of unemployment and ask that you complete a loan application for us.  In the comments you can note that you are looking for a bridge loan.  When completing the application, you can provide your employment compensation information as it was before your employment status changed.


If you have a car loan, a personal loan, or a Visa Credit Card account we are offering payment deferrals or reduced payment plans at no cost to you.  We are not charging any fees or marking any loans under assistance as late on your credit report.  Our goal is to help as many members as possible for the duration of this crisis.  You can help us by providing information on how you are directly affected by the COVID-19 health crisis and supply us with a letter of hardship and notice of unemployment.


We are providing for up to 90 days for payment deferrals for those members that have a mortgage with us and are being directly impacted by the COVID-19 health crisis.  Our goal is to provide you some relief with one of your largest monthly obligations so that you can meet the basic needs for you and your family.


The Paycheck Protection Program is a loan designed to provide a direct incentive for small businesses to keep their workers on payroll.  This program is administered by the US Small Business Administration and we encourage you to use their website as a trustworthy source of information.  You can use the links below to find a participating lender.  Western Connecticut Federal Credit Union is not currently a SBA lender and we recognize that you need a financial institution that is experienced and positioned to help you.  If you have trouble finding a suitable partner using the SBA locator tool, please let us know.  We can work within our network to find someone that can help you.

PPP Information
List of SBA Lenders

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Every time you use your WCTFCU Debit or Credit card to earn reward points that add up to some great rewards!

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4.00% APR*
4.99% APR*
2.49% APR*
Credit Card:
7.99% APR*

*APR as low as, ask for details. All rates are dependent on your credit rating.

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