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USAA's government shutdown program is available to eligible members. Funds are typically issued within two business days. The federal holiday may delay the receipt of your funds.

We have your back with our government shutdown program.

The USAA government shutdown program is not endorsed by or affiliated with the United States federal government.

Financial solutions during your hardship

Stability plays an important role in the financial security of our members — and empowering that security is our mission.

We are now mobilizing across USAA to assist our members during the government shutdown. Our no-interest loan was made available to eligible members on October 8th. Currently, USAA has provided over $189 million in no-interest loans to approximately 51,000 members, with most of the eligible members who applied being approved for the loan.

This loan provides our members with repayment options of 60 to 90 days to allow them more time to ease back into their day-to-day finances.

We stand ready to continue to support members in the days and weeks to come, with our loan and other payment relief options across our banking and insurance products.

Apply for a no-interest loan.

This is a 0% interest loan equal to the amount of your net pay, from $500 to $6,000. It’s designed to help if your pay is disrupted.

Requirements

To qualify, you’ll need to:

  • Have direct deposit set up for a USAA Bank checking or savings account as of the federal payment disruption date.
  • Receive at least one qualifying direct deposit‍ ‍ See note 1 to that same account within 30 days before the start of the disruption.
  • Have a U.S. physical address or an APO, DPO, or FPO address.
  • Get a credit approval from USAA Bank.

Eligibility

You can apply if you’re:

  • A member employed by an impacted federal agency and you direct deposit your government paycheck or pay.
  • An account holder on the impacted USAA Bank account.

Repayment

How repayment works: 

  • You need to repay the loan within 3 months of funding.
  • Payments will be split into 2 equal installments. The first is due in about 60 days and the second in about 90 days.
Apply now for a no-interest loan

Additional assistance for eligible impacted members

  

Auto and property insurance

You may be eligible to set up a special payment arrangement for your USAA auto and property insurance premiums.‍ ‍ See note 2

Banking

Special payment assistance programs may be available on existing USAA Bank accounts for eligible members.

This includes credit cards, deposit accounts, consumer loans and home equity lines of credit (HELOC).‍ ‍ See note 2 

  • Consumer Loans: 2-month payment extension; no interest accrues during this period
  • Credit Cards: 3-month payment extension; interest continues to accrue
  • Deposit Accounts: Overdraft fees waived or refunded
  • HELOC: 3-month payment extension; interest continues to accrue

Life and health insurance

We have special payment arrangements on life and health insurance policies. Options may vary by state and may be subject to state regulatory requirements.

More support for those currently serving

USAA has proudly granted $40 million since 2016 to military aid societies to assist servicemembers in situations just like this.

If you're currently serving, you can also reach out to organizations at your installation, or you can visit them online.

Call us to discuss your options.

Bank

Credit cards, deposit accounts and consumer loans
Call us at 855-764-4617

Mortgage and home equity loans
Call us at 855-430-8489

Home equity line of credit (HELOC)
Call us at 800-531-0832

Insurance

Auto and property insurance
Call us at 800-531-8722

Life insurance
Call us at 800-531-8903

Health insurance
Call us at 800-531-3520

Related footnotes:

  1. Investment and Insurance Products are:

    • Not Insured by the FDIC or Any Federal Government Agency
    • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank
    • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Related footnotes:

  1. A qualifying direct deposit is a direct deposit from an impacted federal agency to a USAA Bank checking or savings account. An "impacted federal agency" is a federal government agency that is currently without federal funding.

  2. Restrictions apply and are subject to change without notice.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  2. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

  3. "USAA Bank" means USAA Federal Savings Bank.

  4. USAA Federal Savings Bank offers deposit, credit card, consumer lending, mortgage, and other banking products and services. USAA Federal Savings Bank is a Member of FDIC. Credit card, mortgage and other lending products not FDIC-insured.

  5. Health solutions provided by USAA Life Insurance Company and through USAA Life General Agency, Inc. (LGA) (known in CA and NY as USAA Health and Life Insurance Agency), which acts as an agent for select insurance companies to provide products to USAA members. LGA representatives are salaried and receive no commissions. However, LGA receives compensation from those companies, which may be based on the total quantity and quality of insurance coverage purchased through LGA. Plans not available in all states. Each company has sole financial responsibility for its own products.

  6. Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

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