Financial Hardship Center
Here for you through
life's financial journey
At Downeast Credit Union, we are committed to enhancing financial wellness and allowing members to live life to the fullest.
Whether you’re facing unexpected expenses, reduced income, or other financial hardships, you don’t have to navigate it alone. Our Financial Hardship Center and Member Solutions Team are here to help you find the right solutions and get back on track — with the care, understanding, and respect you deserve.
We Want to Help You Succeed
Our Member Solutions team can assist with a variety of options to help you manage or adjust your home loans and consumer loans during difficult times like job loss, divorce, disability or death of a wage earner. If you are falling on hard times, we encourage you to act fast and reach out to us as soon as possible, as more options may be available early on.
Financial Assistance
We know every member’s situation is unique. If you’re experiencing difficulty making payments on your loans, we’re here to evaluate your situation and help you explore flexible solutions. Our Member Solutions Team will take the time to understand your circumstances and recommend the best available options, including:
Flexible Payments
Payment options tailored to your needs
New Due Dates
Change your due date to match your payday
Personalized Support
Manage debt and improve your credit over time
Extensions
Make monthly payments more manageable
Adjustments
Catch up with a new payment plan or loan modifications
Planning Ahead
Budgeting to find solutions for your financial goals
Reach out today. Together, we can find a solution that works for you.
Let’s talk
The sooner you reach out, the more options we’ll have to support you. Whether you’re behind on payments or just worried about what’s ahead, we encourage you to contact us before things get overwhelming. We’re not here to judge — we’re here to help.
Request Help
Provide us with your contact information
Call our Member Solutions Team
Start the conversation toward a better tomorrow
Text
Text "HARDSHIP" to 1-207-769-3970 during regular business hours
Message our Member Solutions Team
Visit
Visit your local branch during business hours
Need help? Complete this form to get started:
Financial Resources
If you’re facing ongoing financial hardship, we can also set you up with free financial counseling sessions with one of our Certified Credit Union Financial Counselors to help with:
Budgeting
Debt counseling
Credit counseling
Working toward Financial Wellness
Because at Downeast, we believe in caring for the whole person — not just the numbers.
You’re Not Alone — We’re Here for You
Financial challenges can happen to anyone. What matters most is how we work together to overcome them. At Downeast Credit Union, we’re committed to helping you find stability, regain confidence, and move forward toward a stronger financial future.
Member Feedback
Downeast Credit Union & Downeast Insurance
Call or visit a local branch for details.
800.427.1223 | Member Solutions Direct Line: 207.454.4404
Baileyville | Calais | Machias | Brewer | Belfast | Unity | Richmond | Topsham
Unauthorized access or use of this website is not permitted and may constitute a crime punishable by law.
Federally Insured by NCUA. Downeast Insurance is a wholly-owned subsidiary of Downeast Credit Union; insurance products are not federally insured by NCUA.