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The Relief Valve
Support for When Work Slows
Trade work doesn’t always move in a straight line. Projects pause, travel opportunities shift, and sometimes life throws unexpected challenges your way. The Relief Valve exists for those moments.
This part of Solidarity Link makes short-term support and resources available during periods of hardship, as members support each other through the cooperative.
The Solidarity Loan: Bridging the Gap between Opportunities
Members impacted by work shortages can access up to $5,000
When the work cycle tightens, this loan provides a way to stay steady while bridging the gap to the next job:
- Borrow up to $5,000 at 2.90% APR*
- Flexible terms for 30 months
- First payment deferred for 90 days
From covering medical or COBRA payments to catching up on union dues so you can get back to work, the Solidarity Loan is designed for the financial gaps between opportunities.
Flexible Relief Options
Financial pressure can take many forms; Relief Valve offers several options designed to relieve it. Members may qualify for:
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Skip-a-pay options with no added fees
Use this form to request a skip-a-pay due to a temporary hardship. We’ll review your information and follow-up within 2 business days.
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Loan modifications to lower existing loan payments
Use this form to request a loan payment modification due to a temporary hardship. We’ll review your information and follow-up within 2 business days.
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Fee refunds during times of hardship
Use this form to request a fee to be refunded to your account due to a temporary hardship. We’ll review your information and follow-up within 2 business days.
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Not sure where to start? Complete this form and we'll help find the best option.
If you’re dealing with multiple challenges or aren’t sure which program fits your situation, complete the form below. We’ll review your information and follow up within two business days to discuss next steps.
Loan modifications for secured loans are evaluated on a case-by-case basis, helping members reduce their payments while they get back to steady work.
Support Beyond Finances
The program also provides additional support for members navigating difficult times. Members can access:
- $100 travel gas cards when traveling for new job opportunities
- Mental health resources and suicide-prevention awareness tools
- Financial tools for trade workers
- Dues catch-up and reinstatement support to help members return to work
Mental Health Support & Resources
Financial hardship can affect more than just finances. That’s why Solidarity Link also connects members with mental health support and suicide-prevention resources.
Our staff is trained to listen and help you find the right support without stigma or judgment. Members can access a dedicated mental health resource page and additional information from Local 290.
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Check our Join Us page for eligibility information and to complete our Membership Application.
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Frequently Asked Questions
What is the Solidarity Loan?
The Solidarity Loan provides short-term financial relief for members impacted by work shortages. Members may borrow up to $5,000 at 2.90% APR* for 30 months, with the first payment deferred for 90 days to help ease immediate financial pressure.
What other financial relief options are available?
Members may qualify for several relief options depending on their situation, including:
- Skip-a-pay options with no additional fees
- Loan modifications to lower payments on existing loans
- Refunds of certain fees during hardship
- Case-by-case assistance for members facing extended work shortages
What is the travel gas card?
Members who receive a travel notice for work can visit the credit union to receive a $100 gas card to help cover travel expenses while moving to a new job site.
Can I participate in both Reservoir and Relief Valve?
Yes. The program is designed as a cooperative system. Members can build reserves through the Reservoir during strong cycles and access the Relief Valve if they experience a qualifying hardship or work slowdown.
Why was Solidarity Link created?
Trade work doesn’t always come with a steady paycheck, and we know the ups and downs can be hard to manage. Solidarity Link was created to help United Trades FCU members navigate those in‑between moments with dignity and support. As a member‑owned credit union, we’re here to put people first—offering practical financial help when you need it, and standing with you through every stage of your work cycle.
What’s the difference between Relief Valve and Reservoir?
Relief Valve provides short-term financial support to members affected by work shortages or hardship. This includes access to a Solidarity Loan (up to $5,000 at 2.90% APR* for 30 months with the first payment deferred 90 days), skip-a-pay options with no fees, loan modifications, fee refunds, travel gas cards, and case-by-case assistance. Explore all that The Relief Valve offers.
Reservoir focuses on long-term stability. Through Pipeline Savings, members can build financial reserves during strong work cycles and earn up to 2.90% APY when they meet the qualifying criteria. Financial coaching and planning tools are also available to help members prepare for future slow periods. See how The Reservoir can help prepare you for the next work cycle.
Who is eligible to participate in Solidarity Link?
Solidarity Link is available to United Trades FCU members. Certain Relief Valve benefits require members to complete an online form confirming they’ve been impacted by hardship.