Content on this page requires a newer version of Adobe Flash Player.

Get Adobe Flash player

Membership in Northrop Grumman Federal Credit Union means co-ownership in one of the strongest credit unions in the country.

Emergency Loan

The NGFCU™ Emergency Loan is available to members who are impacted by a declared public health emergency, such as a pandemic. It offers members an affordable source of funds to cover emergency expenses.


  • 0% APR* for the first 6 months, as low as 4.24% fixed APR after the introductory period
  • Borrow up to $5,000 (subject to credit approval)
  • Flexible repayment terms: From 12 months to 48 months
  • No loan payment within the first 60 days

Qualification Requirements

Applicants must live or work in the emergency zone declared by the Federal Emergency Management Agency (FEMA), or declared as a "State of Emergency" by local or state officials. Additionally, applicants must belong to one of the following groups:

  • Employee of Northrop Grumman Corporation (must provide a paystub from Northrop Grumman Corporation dated within the last 60 days)
  • Employee of Los Angeles Metro (must provide a paystub from Los Angeles Metro dated within the last 60 days)
  • Member of NGFCU for more than 90 days

When applying online, please select "DISASTER LOAN" as the loan type.

What is a FICO® Score?

* APR = Annual Percentage Rate. Rate adjusts to a fixed rate after six months. Rates accurate as of April 5, 2020. Rates are subject to change without notice. All loans subject to credit approval.

Loan Description: A closed end unsecured loan to assist members who are victims of an officially declared emergency ONLY. Member's residence or worksite should be in the declared emergency zone by Federal Emergency Management Agency (FEMA) or declared as a "State of Emergency" by local/state official. Loan payment example: $22.38 per month for each $1,000 financed at 3.41% APR for 48 months. 4.24% rate requires automatic payment.

Minimum Term: Twelve (12) Months or One (1) year.

Maximum Term: Forty-eight (48) months or Four (4) years with automatic payment.

Interest Rate Structure: Available only in fixed rate.

Disbursement: Deposit to any share accounts or check payable to member(s) or third (3rd) party.

First Payment: First Payment within 60 days from the date of funding.

If you are using a screen reader and need assistance using this website, please call 800-633-2848.

Mailing Address
Box Number 47009
Gardena, CA 90247-6809
Call Center
Monday - Friday
Available 24/7

If you are using a screen reader and are having problems using this website, please call 800-633-2848 for assistance.
©2017 Northrop Grumman Federal Credit Union. All Rights Reserved.