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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 Center at 800.374.2758 or visit one of our branch locations.

RATES

  • 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.

Planning for Retirement

*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.

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.

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

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

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...

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.

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...

Magnificent people, great help during the hard times.

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.

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

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

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

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

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

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

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.

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

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.

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

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

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