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Hurricane Harvey Relief Update Center

Hurricane Harvey Relief Update Center

Your well-being is our top priority. Because Hurricane Harvey has affected so many of our Members and their loved ones in communities throughout Texas and Louisiana, we’re actively working to provide relief and guidance for every situation. Visit this page for frequently asked questions, recommendations, and resources. And please don’t hesitate to call us at (800) 252-8311 if you need assistance. We’re here to help.


Updated: October 30 at 2:00 PM CT.


If You’ve Been Affected by Hurricane Harvey

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Loan-Related Information

  • + I Might Need a Loan. Can UFCU Help?

    Members affected by Hurricane Harvey may request special disaster recovery loans at (512) 498-2277 or apply online. Your first payment can be deferred up to 90 days.

  • + May I Defer Payments on My Existing Loan(s)?

    Members affected by Hurricane Harvey can request deferred payment on the following UFCU loans:

  • + What Other Mortgage Loan Assistance Is Available?

    For financial assistance, Members may contact Midwest Loan Services by calling (800) 240-4214, (800) 262-6574, or emailing lossmit@midwestloanservices.com. Emails will be responded to within 24 hours. Midwest has processes in place to assist you during this difficult time. Rest assured that they also communicate with us when they’re servicing an issue for any of our Members.

  • + What Assistance Is Available for Small Business Owners?

    Help is available from multiple federal agencies, all of whom work closely during times of crisis to ensure that those affected by disaster get the help they need as quickly as possible. If you already have an SBA loan, we can offer deferment for up to 12 months of principal and interest payments on business loans for Members located in disaster areas. Contact SBA Specialist, Mark Hodges directly at (800) 252-8311 x22329 for more information. If you do not yet have an SBA loan, and are interested in applying, there are three types of disaster loans available:

    • Business Physical Disaster Loans — Repair or replace disaster-damaged property owned by the business, including real estate, inventories, supplies, machinery and equipment. Businesses of any size are eligible. Private, non-profit organizations such as charities, churches, and private universities may also be eligible.
    • Economic Injury Disaster Loans — Meet your ordinary and necessary financial obligations that can’t be met as a direct result of disaster. These loans are intended to assist through the disaster recovery period. Small businesses, small agricultural cooperatives, small businesses engaged in aquaculture, and most private, non-profit organizations may be eligible for these working capital loans.
    • Home Disaster Loans — Get relief for up to $200,000 for repair/replacement costs not covered by insurance for your primary residence. Homeowners and renters may be eligible for up to $40,000 to repair or replace damaged or destroyed personal property, including clothing, furniture, appliances, and even vehicles.

    Call (800) 659-2955, apply online, or email disastercustomerservice@sba.gov for more information.

Credit Card-Related Information

Account-Related Information

Insurance-Related Information

First and foremost, make sure you and your loved ones are secure from any risk. Once all threats have passed, you’ll need to determine whether filing a claim with your insurance carrier is necessary. Answers to many frequently asked questions are included below. If you have any questions or need help, you can call Insurance Services™ at (800) 223-4197 or email ISR@ufcu.org. When you’re ready, you can file a claim directly with your insurance carrier.

  • + My Property Is Damaged. What Do I Do?

    Once it is safe to return to your home or property, please take all precautions to protect your property from further damage. Your insurance carrier expects you to take the appropriate measures to protect your property from further loss. Take pictures of the damage first and then make any temporary repairs to minimize further damage. Be sure to save your receipts to present to your adjuster when they arrive on scene. Then contact your insurance carrier to report the damage and initiate the claims process. Be patient. Due to the magnitude of potential loss across the state, it may take time for an adjuster to arrive. Catastrophe teams typically visit the hardest hit areas first and branch out from there. Much like the wait times in an emergency room setting, more severe losses are adjusted first.

  • + I Have More Than One Policy. Who Do I Call?

    Especially if you live on the coast, you might have multiple policies for your home, wind, flood, auto, boat, or RV. Sometimes it’s difficult to determine which carrier will cover your claim. Only a licensed adjuster can make the final coverage determination and it can take time for carriers to assess your loss. We understand, however, that you need to be whole again. Your carrier will work diligently to find a solution for you as quickly as possible. Start by considering what kind of policies you have and what kind of damage you sustained. Call the carrier that makes the most sense to you and be prepared to describe your loss. Have your policy numbers ready if you can.

  • + Damage to My Property Is Significant. What if I Have to Rebuild?

    The road ahead may be long and difficult, should you have to rebuild. The cost of labor and materials will increase and there may be a shortage of licensed contractors. If you need to rebuild, keep in touch with your carrier. They’ll do as much as they can to ease the process and keep you informed. And beware of contractors who tell you that they can fix your home without you having to pay a deductible. This practice is not the norm and can be considered fraudulent.

  • + How Much Is This Going to Cost Me?

    Now would be a good time to revisit your insurance policy and make sure that you understand the terms, conditions, and deductibles. Insurance policies pay for the amount of covered claims sustained beyond your deductible. Your deductible is the amount you’re responsible to pay. If you believe that the damage is minor, you might want to request an estimate before contacting your carrier to file a claim.

  • + I’m Overwhelmed. What Should I Do First?

    Take a deep breath and call your primary carrier. Expect the phone call to be recorded. You’ll be asked to describe the damage and they will help you initiate the claims process. For Members who have been completely displaced, your carriers will set up mobile centers to assist you as soon as they are able to do so.


Hours for the Coastal Region

Our Galveston and Victory Lakes locations have resumed normal operating hours as of Tuesday, September 5.


If You’d Like to Know How We’re Helping

Our priority is to provide for your well-being, in good times and in bad. Rely on us to help with anything you need after Hurricane Harvey.

  • We’re supporting Hurricane Harvey relief efforts by way of donations and employee charitable matches to the American Red Cross.
  • We’re allowing Texas and Louisiana residents to access cash at any ATM fee-free, now through September 15. We're waiving the $1 non-UFCU ATM transaction fee in response to Hurricane Harvey.
  • We encourage Members to take advantage of our credit union services at any Shared Branch location. Shared Branch facilities in the path of Hurricane Harvey may be closed due to power outages or damage caused by the storm. Call ahead to ensure they are operating normally.
  • We allow Members 24/7 access via Online Banking, Mobile Banking, Phone Banking, and ATMs.

If You’d Like to Help

You can donate your time or money to any of the following organizations, who are actively supporting those affected by the hurricane.


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