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Member Assistance Program

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Support for members financially impacted by the COVID-19 Pandemic


We understand that in these difficult times, many of our members may not get paid or the pandemic may present other unforeseen financial difficulties. If you are facing a financial hardship, we want you to know that Meriwest is here to help.


Here are some assistance programs to help make managing your finances a little easier:

  • SKIP-A-PAY: 
    Members with current loans that are eligible2 for Skip-a-Pay can exercise the option and Meriwest will waive (or refund) the $35 processing fee for each loan.
  • NON-SUFFICIENT FUNDS (NSF) AND OVERDRAFT FEES: 
    Meriwest will refund NSF and overdraft fees for members1 who have incurred a fee during the pandemic – maximum of 5 per month.
  • EARLY WITHDRAWAL FROM TERM PRODUCTS:  
    For members with funds currently in any term account (Certificate), Meriwest will allow for withdrawals and waive any early withdrawal penalties. For those with Liquid Certificates, which allow fund withdrawals, should a withdrawal cause the balance to drop below the $10,000 minimum required, Meriwest will close the account and waive any penalties.
  • EMERGENCY LOANS:
    We will make unsecured loans for up to $2,500 at a low 5% fixed APR3 with a 36 month repayment period.
  • FIRST MORTGAGES:
    We can evaluate a forbearance plan for members with a first mortgage with Meriwest, please call 866-430-9686. For any other mortgage questions call 800-364-6636 and select option 2. View Frequently Asked Questions (PDF)
  • CREDIT CARDS:
    Concessions will be available to Meriwest credit cardholders who reach out to Elan Cardmember Services directly at 800-558-3424.

Meriwest is here for our members during these trying times. If you have any questions or need additional information, please visit any of our Financial Center locations, or call us at 877-MERIWEST (637-4937), or 800-364-6636, option 2, for Meriwest Mortgage.


1: Meriwest Membership must have been in effect as of March 1, 2020.

2: Only two Skip-a-Pays per loan in a calendar year. The minimum of 120 days (4 months) between the Skip-A-Pays will also be waived. Skip-a-Pay does not apply to first mortgages, Community Advantage, Certificate Pledge, Workout, interest-only stock, and interest-only HELOC loans, or Loans to Minors. Finance charges will continue to accrue on your loan account(s) during the month you use Skip-a-Pay. Your regularly scheduled payment will resume the month after your skipped payment. Membership must be in good standing. All loans must be current in order to be eligible for skipping a payment. Loan must be at least six (6) months old and have been in good standing for the previous six (6) months. You must meet all Meriwest qualifications. Cannot be combined with any other offer. Other restrictions may apply. 

3: APR is Annual Percentage Rate. Certain restrictions apply. Only available to members in Santa Clara, Alameda, Contra Costa, San Mateo, and San Francisco, California counties.

Program expires April 30, 2020 and is subject to change without notice.