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Special Assistance for Federal Employees


As a result of the recent Federal Government shutdown, we recognize that many individuals may be experiencing a temporary financial hardship due to a disruption in pay. To support our members who are impacted, the NIHFCU is offering a Special Assistance for Federal Employees (S.A.F.E.) program. All Federal Government employees that experienced a disruption in pay are eligible.1

S.A.F.E. Closed-End Loan2

  • Borrow up to $10,000 for 24 months

  • 0% APR for the first 60 days

  • Then, rates as low as 5.24% APR2 for the balance of the loan term

How to Apply

For the fastest response, we strongly urge all S.A.F.E. Loan applicants to use our online application.3 However, applicants can also visit any NIHFCU branch or call us at 800-877-6440. Please have the following items available (including co-applicant information4 if applicable) when applying for SAFE.

  • Loan amount requested ($500 - $10,000)

  • Two most recent paystubs

  • An official Federal Government furlough notification and documentation verifying you are a current Federal Government employee.

  • Other items as needed

Not yet an NIHFCU member? For a loan to be disbursed, you must first become an NIHFCU member. Learn more about becoming a member.


Other Assistance Available

  • Certificate Early Withdrawal Penalty Waiver. To help you quickly re-allocate funds for other needs, you can withdraw from your NIHFCU certificate without NIHFCU’s early withdrawal penalty. Click here to complete the early withdrawal request form.

  • Overdraft Fees. NIHFCU will reverse qualified overdraft fees resulting from a temporary disruption in pay.

  • NIHFCU Loan Payments. Contact our Loss Mitigation Department at 301-296-2540 or email to assess other loan payment assistance may be available.

  • Complimentary Financial Counseling offered by BALANCE. Speak confidentially to a Certified Financial Counselor at 888-456-2227.

Financial wellness begins and ends with the facts. Here's what you need to know!

1Subject to membership eligibility

2 APR = Annual Percentage Rate.  Loan decisions are based on creditworthiness, with rates and terms subject to change without notice. Restrictions may apply.  Advertised APR includes 0.25% rate reduction for auto-pay on this loan.

3 Online banking required

4 Co-applicant must be present on the call for phone applications or present in the branch for face-to-face applications.