Yes. Usually there is a process for you to challenge the garnishment order before your credit union pays money in your account to your creditor. You can challenge the garnishment by claiming that some or all of the money in your credit union account is exempt from garnishment. However, in many cases, State law or the court may require a credit union to freeze your account during these proceedings even if the account has money from exempt federal benefits. Credit unions and others that receive court orders generally must follow the directions of the order that is issued. If that happens you may not be able to take money out of the account until the court or your creditor makes sure that the money is exempt.
In some limited situations, Social Security and other federal benefit funds may be garnished, such as to pay a child support or alimony obligation. Also, if your credit union account had both federal benefit payments and other deposits that are not exempt, the other money in the account may be garnished.