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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.

Members impacted by a government shutdown can count on USAA and may be eligible to apply for a no-interest loan and other payment relief options across our banking and insurance products.

Get help when you need it with 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.

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.

What's next

USAA will launch its government shutdown program when our members are impacted by a government shutdown. It’ll be available at the discretion of USAA.

You can bookmark this page and visit again for more details.