Support for Individuals Impacted by the Government Shutdown

At Town & Country, we understand that the recent government shutdown has created uncertainty and financial strain for many federal employees and their families. If you've been impacted, we're here to help you navigate this challenging time with support, flexibility, and understanding.

To assist our members during the shutdown, we are offering three relief options:

1. No-Fee Loan Extensions:
We are offering loan extensions on consumer loans with no fees to help ease your financial burden. This applies to all consumer loans, but please note that mortgage loans and Visa credit cards are excluded from this offer. To take advantage of an extension reach out to your local lender by October 31, 2025.

2. Penalty-Free CD Withdrawals:
If you need immediate access to your savings, you can make penalty-free withdrawals from your Town & Country certificates of deposit (CDs) through October 31, 2025. Stop by your local branch or call us at 1-800-872-6358.

3. Furloughed Federal Employee Relief Program (FFERP):
We’re proud to offer the BND FFERP Loan through the Bank of North Dakota, designed specifically for federal employees impacted by furloughs. This program provides temporary relief during periods of missed pay. 

Eligible members can receive up to three months of their base net pay through a non-revolving line of credit. The interest rate is fixed at 2%, with no fees, no collateral required, and no prepayment penalties. Repayment begins three months after the first disbursement and is made in three monthly installments.

To qualify, you must be a current Town & Country member with active direct deposit of your federal paycheck and meet the eligibility requirements set by BND. The application window is open through January 2, 2026, or until the federal government shutdown ends.

To apply contact you local lender or fill out the application below. 

We know this is a stressful time, and we want you to know that you’re not alone. Our team is committed to supporting our members and community. If you're unsure which option is right for you or have questions, please don’t hesitate to contact your local lender or give us a call at 1-800-872-6358.