The mortgage crisis still affected the local and national economies, causing rates to be extremely low. This was a great lending market and led to consumer loan growth of almost 103% and real estate loan growth exceeding 25%. At this time, the credit union focused on helping members improve their credit scores. The credit union adopted a new mantra: Serve. Empower. Enrich. This mantra was put to the test when the federal government had budget cuts which caused thousands of federal employees to be furloughed for as long as six weeks. The credit union introduced a furlough loan to help members affected by the furlough, including thousands at MMAC. Lending slowly returned to previous production levels to help aid growth. The credit union implemented a new customer relationship management system. Staff could follow up on leads more effectively, which helped the credit union experience more positive loan growth. FAACU also introduced a completely new online banking platform. Assets reached $580 million, and membership grew to 50,000.