Bridge to Retirement Loan

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 a branch.

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***

*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

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

- Karen · Huntsville, AL

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

- Russel · Baltimore, MD

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

- Joanne · Brooklyn, NY

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

- Sara · Washington, MD

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

- Kathryn · Columbia, MO

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

- Avis · Bowie, MD

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

- Charles · Rapid City, SD

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

- Akua · Washington, D.C.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

- Adrian · Fredericksburg, VA

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

- Reno · Temecula, CA

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.

- Lawrence · Darnestown, MD

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 ...

- Adrienne · Wethersfield, CT

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

- Ophelia · Alexandria, VA

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.

- Linda · Powder Springs, GA

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

- Michael · Crofton, MD

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