Government Shutdown Assistance

Adirondack Bank


The Federal  Employee  Government Shutdown Assistance Program  includes loan payment deferment on current Adirondack Bank, home-equity, and mortgage loans for up to six months. Also offers new loan assistance, featuring a 90-day deferral of the first payment with a fixed rate as low as prime, which on Wednesday was at 5.50 percent annual percentage rate for short-term financial assistance.


Plattsburgh Branch         

448 Route  3

Plattsburgh NY 12901

(518) 561-1816


Saranac Lake Branch

139 Church Street

Saranac Lake NY 12983

(518) 891-1298


Lake Placid Branch

38 Hadjis Way

Lake Placid NY 12946

Mgr. Nicholas LaFlair


NBT Bank


 Federal  employees  requesting  these services  must call and will be treated on a case by case basis.


NBT Bank

482 Route 3

Plattsburgh NY 12901

(800) 628-2265

 Bonnie Pellerin, Manager


TD Bank


Customers who are federal employees, contractors or receive federal benefits can enroll in the TD Cares Customer Assistance Program to help meet day-to-day financial needs during the partial government shutdown. Those who have an account in good standing and meet other eligibility requirements can access up to $1,000 in additional funds not currently available in their account, with no overdraft fees or costs. Assistance is available to those who receive late charges on a TD Bank Visa credit card. There are opportunities for short-term relief for those struggling to make a mortgage, home equity, auto or personal loan payment to TD Bank. Small business customers may be eligible to negotiate payment options and fee flexibility on their loan of line or credit.


TD Bank

714 State Route 3

Plattsburgh NY 12901

(518) 563-1700

Patti LaGoy, Vice President/Store Mgr.

Adirondack Regional FCU


Adirondack Regional FCU is helping  existing members that are involved in the shutdown.


Tupper Lake Branch

280 Park Street

Tupper Lake, NY 12986

(518) 359-2921, X. 106

Cathy Staves, CEO


Plattsburgh Branch

23 Smithfield Blvd.

4 Seasons Plaza

Plattsburgh NY 12901

(518) 562-0221


Potsdam Branch

166 Market Street

Potsdam NY

(315) 268-1440


Dannemora Federal Credit Union


Doing 0% short term notes using their standard net pay to determine loan amount.  There is a scale that has been developed to determine the actual amount of the loan. With each pay period that is missed, the member is eligible for a new loan. Once the back pay is received, the loans are to be paid  off. For members that have consumer loans (non-mortgages), they are doing principal deferrals during the shutdown.


Dannemora Federal  Credit Union

342 Tom Miller Road

Plattsburgh, NY 12901

(518) 825-0323

Chris Hay, President/CEO


UFirst  FCU


If you have an existing UFirst loan, you may be eligible to skip your loan payment(s) for up to 3 months in a row. No fee will be applied. UFirst is offering a Special Assistance Loan to help you through any financial strain you may be experiencing during the shutdown. Here are the terms: 5% discount off the standard unsecured loan rate that you would qualify for; 60 month term; First payment deferred upto 90 days; Maximum loan amount of $5,000. Loans are subject to credit approval. Must be a member in good standing.  Loan is limited to one loan per household.


UFirst FCU

274 Rugar Street

Plattsburgh NY 12901

(518) 324-0611

Jody Carpenter

VP of Marketing & Business Development

Champlain National Bank


Champlain National Bank is helping its clients who will not be receiving a paycheck due to the federal government shutdown by deferring loan payments. On a case by case basis, the Bank will defer mortgage and other loan payments until federal  employee pay resumes.  Federal employees not receiving paychecks who have loans at Champlain National Bank and who would like to defer their payments, must call their local branch or (518) 963-4201 to get the process started.


Champlain National Bank

(518) 963-4201, X. 1135

Jacqueline Hallock, VP/Director of Marketing


Key Bank


If you are a government employee or member of the military who is impacted by the shutdown, Key Bank is prepared to help you with your KeyBank accounts. If you are a KeyBank Business Banking client applying for an SBA  loan, or a corporate client who provides contracted services to the US government, a long-term shutdown could also have implications for you. KeyBank can help you navigate your options. Federal employees can go to .   At the very top it states KeyBank is committed to helping our clients who are affected by government shutdown. Click on Learn More.


Casella Waste Systems, Inc.


Areas which can be helped include Clinton, Essex and Franklin counties. Casella ensures the residents who call and are in good standing will receive normally scheduled trash and recycling pick up through the duration of the shutdown. No payment will be required during the shutdown period, however can not forgive the balance that will be owed. 


Casella Waste Systems, Inc.

67 Carbide Road

Plattsburgh NY 12901

(518) 907-0449

Bill Meyers, General Manager


The Federal Employee Education & Assistance Fund/National Association of Retired Federal Employees


The Federal Employee Education & Assistance Fund/National Association of Retired Federal Employees are offering a $100 grant to assist with gas and groceries to accepted/furloughed federal employees who are NARFE members in good standing. Apply at:  If there are any questions, please contact;


Joel Wood

Regional Director

Plattsburgh Office – Congresswoman Elise M. Stefanik (NY-21)

23 Durkee Street, Suite C

Plattsburgh, NY 12901

(518) 561-2324

Lomanto & Co. Securities America, Inc.


Lomanto & Co. are offering free 1 hour financial coaching sessions to anyone affected by the shutdown. Priorities can be sorted out and a plan for what to do until the shutdown ends, as well as what to do after the shutdown ends, can  be made.


Lomanto & Co. Securities of America, Inc.

25 Trackside

Plattsburgh NY 12901

(518) 324-3005

Hannah C. Provost