Bridge to Retirement Loan

The bridge to retirement loan was created especially for our federal government employees who are ready to retire.* The receipt of your first government-issued retirement check can take a while — sometimes as long as a 3-9 month process. Our loan can offer a financial solution for any expenses you may incur. Apply to see if we can help bridge the time span from your last day of work until the receipt of your first check.

To apply for a Bridge to Retirement loan, please contact our Member Service Contact Center at 800.374.2758 or visit one of our branch locations.

Details

Enjoy a loan that will make the transition to retirement easy
Flexible loan amounts ranging from $250-$10,000
Personalized terms ranging up to 36 months**
Features a fixed rate
No payment due for the first 90 days***

Have You Started Saving For Retirement?

Learn more about how you can get started on a plan for your future financial security with our interactive learning modules.

Are your ready for retirement?

This Retirement Planning Worksheet and Presentation can help you prepare.

*May apply up to 60 days prior to the anticipated retirement date from the Federal Government or up to 6 months after retirement from the Federal Government as a Federal Civilian Employee. Borrower must provide documentation specifying the retirement date and projected net monthly income. Credit review and debt level analysis required. **Monthly payments on a 36-month $5,000 Bridge to Retirement Loan based on a rate of 5.49% APR (as of 2/21/17) would be $150.93. Not all applicants will qualify. All loan subject to credit approval. ***Interest will being accruing at loan disbursement. Members should not send personal information via email.

Members' Voice Testimonials

I feel my money is safe, the service has always been top-notch and we've found it easy to use even though I probably haven't set foot in one of the branches in five years. Joining the credit union is one of the smartest things I've done.

- Richard · Washington, D.C.

USSFCU has been my first banking option for over 40 years - no fee atms - my grands are now members of the credit union and value their credit union membership also.

- Dennis · Washington, D.C.

USSFCU staff continues to be the best and always has my best interest.

- Mia · Brandywine, MD

The USSFCU has been an important part of my financial situation and has provided outstanding service.

- John · Reston, VA

Every experience with USSFCU has been extremely good right from the start. Our main account with USSFCU is a HELOC with zero over prime rate, which is almost unheard of. The customer service has always been excellent. And when we asked for a temporary payment break to navigate and reorient professionally due to the sudden and temporary financial im...

- Katie · Carlsbad, CA

I've always been treated very professionally and the person caring for my financial needs always listened to me and helped me in a way that was not stressful and beneficial to me.

- Rochelle · Washington, D.C.

USSFCU has never failed us in its' role of being the best bank ever. All the personnel are professional, friendly, efficient and have more than earned our trust, appreciation and admiration. We admire the way they are constantly evaluating, adapting and growing their services for the benefit of its' members. We are very grateful to have had this im...

- Penelope · Copper Hill, VA

Magnificent people, great help during the hard times.

- Ramy · Salt Lake, Utah

I've been banking here for over 20 years it's the best customer service. Credit card interest rates don't gouge at USSFCU. It's a wonderful place to bank.

- Craig · Alexandria, VA

Very personable, solution based and takes an interest in your situation.

- Reno · Temecula, CA

Provides excellent customer service and this is demonstrated by their great attention to detail. USSFCU provides excellent financial products and professional communication.

- Mike · Fayetteville, GA

I joined in 1975 when I began my 41 year career in the U.S. Senate. It was a family and still is - one to be depended on in times of need and for advice.

- Stephanie · Severn, MD

The credit union provides relatively good services and the security updates to the system are noticeable.

- Ophelia · Alexandria, VA

All of my children and grandchildren have USSFCU accounts now. I really admire USSFCU and its staff completely, they have always looked out for my interests.

- Wilma · Sterling, VA

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

- Michael · Crofton, MD

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

- Salvador · Waldorf, MD

This credit union is the best, I love the customer service and you can?t beat the interest rates. And I?m happy to be a member of this great credit union.

- James · Locust Grove, GA

Great staff helping all the time. Just a very well run company always good service.

- Charles · Alexandria

Always good service, especially when I telephone in. I have another credit union where, every time I call in, I have to wait a considerable amount of time before reaching a representative. When I worked on the Hill, it always was a pleasurable experience coming to the credit union office, whether to make a deposit or apply for a loan.

- Charles · Takoma Park, MD

Customer service via the phone is very helpful and easy to accomplish requests.

- Clarke · Alexandria, VA

Care about their clients and concerned about making sure they have the best rates and packages.

- George · Cape Coral, FL

Read More testimonials.