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Government Shutdown Program

USAA has your back in the event of a government shutdown

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. More information is available below.

USAA Government Shutdown ProgramSee note See note1

No-Interest Loan

  • Loan Details

    This is a no-interest loan equal to the amount of your net pay, from $500 to $6,000, designed to help with an affected payment disruption.

  • Who's Eligible to Apply

    Members who are employees of an impacted federal agency and direct deposit their government paycheck (or pay), as well as other account holders on the impacted USAA Bank deposit account.

  • Loan Requirements

    Have direct deposit set up for a USAA Bank checking or savings account as of the federal payment disruption date.

    At least one qualifying direct depositSee note2 must have posted to that same USAA Bank checking or savings account within the 30 days prior to the beginning of the interruption.

    Credit approval required.

    Have a U.S. physical address or an APO, DPO, or FPO address.

  • Loan Repayment

    The loan has an annual percentage rate of 0% and must be repaid within three months of funding. Your payments will be split into two equal installments, with the first payment due in about 60 days and the second due in about 90 days.

Additional Assistance for Eligible Impacted Members

USAA Auto and Property Insurance

You may be eligible to set up a special payment arrangement for your USAA auto and property insurance premiums.See note3

USAA Bank

Special payment assistance programs will be available on existing USAA Bank accounts for eligible members including credit cards, deposit accounts, consumer loans and Home Equity Line of Credit (HELOC).See note3 Assistance programs will be available during the hardship period as determined by USAA Bank.

  • Consumer Loans — Two-month payment extension (no interest accrues during this period)
  • Credit Cards — No minimum payment due for three months (interest continues to accrue during this period)
  • Deposit Accounts — Overdraft fees refunded/waived
  • HELOC — Three-month payment extension (interest continues to accrue during this period)

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.See note4

Currently Serving Members

USAA has proudly granted more than $34 million over the past five years 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. Impacted members may be eligible to apply for a no-interest loan and other payment relief options. The Government Shutdown Program will be available at the discretion of USAA. Please bookmark this page and visit again for more details.