Government Shutdown Assistance
Government Shutdown Update
On March 15, President Trump signed legislation extending federal funding through September 30, 2025. Please check back on this page for updates as this date approaches.
Security tip: In the event that we do encounter a government shutdown in the future, stay vigilant about your security because scammers often capitalize on these situations. Be careful whom you share your personal information with and how you choose to share it. If someone contacts you by phone, don't feel pressured to take action immediately. Instead, hang up and call them back using verified contact information for their organization.
Navy Federal does reserve the right to modify the Terms and Conditions of the program should a shutdown extend beyond one pay cycle. Program extension does not guarantee eligibility.
0% APR Loan During Government Shutdown
Updated: March 10, 2025
You May Be Eligible If Your Pay Is Impacted
To help members affected by the government shutdown, we’re again offering assistance. You may be eligible for this aid if you meet these 3 criteria:
- Your pay is impacted by the shutdown
- You've set up direct deposit of pay with Navy Federal
- You're one of the following:
- A federal government employee
- An Active Duty servicemember
- A federal government contractor paid directly by the federal government
We're monitoring the situation and will provide updates to this page as they become available.
Note: To access and complete the application, please ensure you are using Internet Explorer or Chrome as your browser.
Enrollment in the Government Shutdown Program
- Loan Amounts. Loan amounts are calculated based on the amount of the most recent direct deposit of pay that was made to your account prior to your pay interruption. The Loan Amount Eligibility Chart can help you determine how much you’re eligible to apply for.
- Maximum loan amount: $6,000
- 0% APR—no fees or interest charges associated with this loan
- No credit check required
- Program Registration. For loan proceeds to be available on your scheduled pay date, you must register by the day before your scheduled pay date. We’ll continue accepting registrations until 3 days after your scheduled pay date.
- Disbursement. Loans will be available and disbursed only if the government fails to pay eligible members in connection with the government shutdown.
- Repayment. Once direct deposit of pay resumes, the amount credited to your account(s) will be deducted automatically as repayment.
Still Need Help?
We’re here to help our members during periods of financial difficulty. If your pay is disrupted, but you don't meet the eligibility requirements, we recommend you visit a branch or contact us at 1-888-842-6328 to discuss your situation with one of our Member Service Representatives.
Last Eligible Direct Deposit of Pay | Loan Amount |
|---|---|
$250 to $500 | $250 |
$501 to $1,000 | $500 |
$1,001 to $1,500 | $1,000 |
$1,501 to $2,000 | $1,500 |
$2,001 to $2,500 | $2,000 |
$2,501 to $3,000 | $2,500 |
$3,001 to $3,500 | $3,000 |
$3,501 to $4,000 | $3,500 |
$4,001 to $4,500 | $4,000 |
$4,501 to $5,000 | $4,500 |
$5,001 to $5,500 | $5,000 |
$5,501 to $6,000 | $5,500 |
Greater than $6,001 | $6,000 |
Eligibility
How do I know if I qualify?
To be eligible for Navy Federal’s government shutdown loan program, you must meet the following qualifications:
- you are a federal government employee or federal contractor paid directly by the government or you are a military service member whose direct deposit of pay will be impacted by a government shutdown;
- your regular direct deposit was processed into an active Navy Federal account no more than 30 days before the failure to pay;
- your regular direct deposit is at least $250; and
- you repaid any prior Government Shutdown loans that overdrew your account(s).
Are government contractors eligible for the government shutdown loan being offered by Navy Federal?
Government contractors may be eligible if their direct deposit of pay is received directly from the federal government and will be impacted by a government shutdown. Your direct deposit of pay must have been processed into a Navy Federal account no more than 30 days preceding the failure to pay.
Are new members eligible?
Yes. If you are a federal government employee or military service member whose direct deposit of pay will be impacted by a government shutdown, and your direct deposit of pay was processed into a Navy Federal account no more than 30 days preceding the failure to pay, you are eligible to participate in the program.
What happens if I do not have a direct deposit?
If you do not have a direct deposit of pay, you will not be eligible for the benefits of the program.