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Health Emergency Resources for Members

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Local, State, and Federal Resources

Get Help with Money, Bills, and Feeling Better

If you think you need help with paying bills, getting food, dealing with school/work, connecting with people, or just finding something to do, here are some resources that might help.

Important Considerations when Seeking Financial Help:

● Put vulnerable people first. If you can afford to pay your bills right now, please WAIT to use these resources so that people with more urgent needs can get help first.

● Visit the website BEFORE you call. Websites may be the easiest place to get information. There may be very few people available to answer the phone, and they are trying to help everyone at once.

● Send an email or message on the company’s website or through a mobile app if you can’t find information online.

● When you call, you may have to wait. Be patient, be kind, and be prepared to leave a message and wait for a call back.

● Some businesses will be able to help you, but some are having troubles of their own. Try to be understanding as you seek assistance.


2-1-1: Local Assistance with Bills, Housing, Medical/Mental Health, Legal Resources

  • Santa Cruz County

  • Monterey County

  • San Benito County

Payment Assistance for Loans, Credit Cards, Utilities, Insurance, Other Services
Sign up to delay/defer payment due dates or reduce your rates. Not all businesses and organizations offer assistance.

  • Visit websites of the businesses and organizations you pay. Use email and messaging options before calling if you can.
  • Contact your landlord to ask about rent discounts or other options. Remember that landlords may also be dealing with money shortages of their own and may not be able to help you right now.
  • The Help With Bills page at USA.gov has information about temporary income assistance and getting help with medical bills, prescription medication, utilities, and telephone bills.

State and Federal Resources

Santa Cruz County Health COVID-19 Information and Updates
The County of Santa Cruz Public Health Department is working closely with healthcare providers, hospitals, and community partners to address COVID-19. Find out what is happening and where you can get help if you need it.

Eviction Protection

Governor Gavin Newsom issued an executive order banning the enforcement of eviction orders for renters affected by COVID-19 through May 31, 2020. The order prohibits landlords from evicting tenants for nonpayment of rent and prohibits enforcement of evictions by law enforcement or courts. It also requires tenants to declare in writing, no more than seven days after the rent comes due, that the tenant cannot pay all or part of their rent due to COVID-19. 

Resources for Santa Cruz County Small Businesses
Information and resources for Santa Cruz County businesses impacted by COVID-19:

Food & Insurance
If you have lost your job and need help, you may be entitled to food assistance (CalFresh), CalWORKs Cash Aid, and/or Medi-Cal Health Benefits. Apply online.

Local Food Banks

Property Taxes
Visit the Santa Cruz County Treasurer Tax Collector's website to find out about getting help with your property taxes.

Price-gouging is Illegal in California
California law generally prohibits charging a price that exceeds, by more than 10 percent, the price of an item before a state or local declaration of emergency. If you or someone you know has been charged a much higher than normal price, find out what you can do about it.


Bay Federal has several options for members that may be facing hardships due to current health emergency, including mortgage payment assistance and auto loan, personal loan, and Visa credit card deferment.
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