The Phoenix system is creating serious financial worries for federal public service workers. The employer has promised to fix the pay problems by October, but in the meantime, many members are struggling to make ends meet. The Caisse Desjardins is offering PSAC members two low-cost options to keep their heads above water. Two options for PSAC members in Quebec Option 1: A line of credit up to $3,000 at prime + 3% (currently approximately 6%). And until December 31, 2017, only the monthly interest will be charged.