Navy Federal Credit Union
Navy Federal Credit Union

Government Shutdown Assistance

We're ready to work with you.

Our number one concern is our members and their families. We have programs in place to help you through this time of uncertainty.

Updated 9 October 2013: Active duty military members will receive their mid-month normal pay and allowance. Civilian DoD members should visit for updated payroll information regarding the status and amount of their mid-month pay. Navy Federal will process all Direct Deposit of Net Pay upon receipt from DFAS. For questions regarding what is, or is not, included in your Direct Deposit, please visit for updates.

Our sequestration and furlough assistance remains in place for members affected by the government shutdown. We offer the following:

  • Special 3.00% APR Overdraft Line of Credit*: If you are a federal government civilian employee, have
    Direct Deposit with Navy Federal, and are subject to furlough, you're eligible for a special rate on our
    Overdraft Line of Credit.
  • Loan Assistance: Understanding that sequestration and furloughs will strain your budget, we are prepared to
    work with you on any Navy Federal loan payments.
  • Credit Cards: Expedited approvals for line increases for your existing Navy Federal credit card.
  • Personal Loans: Share Savings and Certificate pledged loans can provide instant funds without dipping into savings accounts. Rates are set at the share or certificate rate plus 2.00% APR. Personal expense loans with no collateral are also available.
  • Penalty-free Early Withdrawal on Certificates: If you need to redeem a Navy Federal Certificate prior to its maturity, we'll waive any early withdrawal penalties.

We will be updating this page as more information becomes available. For more information about the potential impact to your pay, visit

*3.00% APR is a fixed rate. Repayment terms of 2% of the outstanding balance or $20, whichever is greater, will apply. Special rate is in effect through June 30, 2014. Must apply via phone or at branch to receive special.

Call this special number with
24/7 live phone support:

Or, visit your local branch.
  • Mortgages5/5 ARM as low as+
  • Auto Loansas low as+
  • Certificatesas high as
  • Checkingas high as
  • Credit Cardsas low as++
  • More Rates