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FERS Information Service Credit

Civilian Service

Under FERS, you can make a payment for the following types of service, in order to credit it toward your retirement:

  • Any period of creditable civilian service performed before 1989 during which no retirement deductions were withheld from your pay.
  • Any period of civilian service during which retirement deductions were withheld from your pay and refunded to you.
  • Any period of Peace Corps or VISTA volunteer service (excluding training time) regardless of when the service was performed.

Payment cannot be made for

  • Any other service which is not creditable under FERS.
  • Periods of leave without pay.
  • Time covered by a lump sum leave payment.

If retirement deductions were not withheld during the period of service

You can pay a deposit for the service, if it was performed before 1989.  FERS deposits (excluding Peace Corps and VISTA volunteer service) are normally 1.3 percent of your basic pay for the service, plus interest.  The 1.3 percent rate applies regardless of whether deductions would have been taken at that rate, if they had been taken at the time the service was performed. 

Deposit for Service Ending before January 1, 1989 and Covered by FERS

You can make a deposit for creditable Federal Employees Retirement System (FERS) service you performed before 1989 during which retirement deductions were not withheld from your pay. Interest is charged from the midpoint of periods of service and is compounded annually. Interest is charged to the date the deposit is paid in full or annuity begins, whichever is earlier. Interest is charged at a variable rate determined by the Department of the Treasury every year as described in the table If you do not pay for a period of this type of service, you will not receive credit in determining your eligibility to retire or in computing your retirement benefit.

Deposit for Service Ending on/after January 1, 1989 and Covered by FERS

With certain exceptions, a Federal Employees Retirement System (FERS) employee cannot make a deposit for non-contributory service performed on/after January 1, 1989.

If you transferred to FERS from CSRS, the following rules apply to the CSRS portion of your annuity

Deposit for Service Ending before October 1, 1982 and Covered by CSRS

You can make a deposit for creditable Civil Service Retirement System (CSRS) service you performed before October 1982 during which retirement deductions were not withheld from your pay.  You will receive retirement credit for all of this service whether or not you pay the deposit.  However, unless you pay the deposit in full, your annual benefit will be reduced by 10 percent of the deposit amount due at retirement.  Also, any annuity due your surviving spouse will be reduced proportionately. Interest is charged from the midpoint of periods of service through the date of the bill.  If full payment is received within 30 days after the bill is issued, no additional interest is charged.   Otherwise, interest will be computed after each payment at the rate of 3 percent for the interval since the most recent payment you have made.  You may pay installments of $50 or more, but paying the full amount minimizes further interest charges.  After each payment we will send you an updated account statement.

Deposit for Service Ending on/after October 1, 1982 and Covered by CSRS

You can make a deposit for creditable Civil Service Retirement System (CSRS) service you performed on or after October 1982 during which retirement deductions were not withheld from your pay. Unless you pay the deposit in full, you will not receive credit for the service in the computation of your annuity. Interest is charged from the midpoint of periods of service and is compounded annually. Interest is charged through December 31 of the year before the year in which the bill is being issued. Interest is charged at a variable rate determined by the Department of the Treasury every year as described in the table. If full payment is received by December 31 of the year in which the bill is issued, no additional interest will be charged. If not, interest will be computed once each year as of December 31 based on the unpaid balance at that time.

If retirement deductions were withheld from your pay and later refunded to you

Redeposit Service for any period covered by FERS

You can repay the refund you received for periods of civilian service covered under FERS during which retirement deductions were withheld from your pay and later refunded to you. If you do not pay for a period of this type of service, you will receive credit in determining your eligibility to retire but will not receive credit in computing your retirement benefit. Consequently, your annuity, as well as any annuity due your surviving spouse, will be reduced. Interest is compounded annually and charged through December 31 of the year before the year in which this bill is being issued. Interest is charged at a variable rate determined by the Department of the Treasury every year as described in the table. If full payment is received by December 31 of the year in which this bill is issued, no additional interest will be charged. If not, interest will be computed once each year as of December 31 based on the unpaid balance at that time.

Redeposit Service Ending before March 1, 1991 and Covered by CSRS

You can repay the refund you received for periods of civilian service ending before March 1, 1991, during which retirement deductions were withheld from your pay and later refunded to you. However, you will receive credit for all of this service whether or not you make the payment (unless you retire under the disability provisions of the law). Your annuity will be subject to a permanent actuarial reduction based on the amount of redeposit and interest due and your age at retirement. The actuarial reduction will not be applied to any annuity due your surviving spouse. You can avoid the reduction by repaying the refund.

If the refund was paid before October 1, 1982, interest is charged up through the billing date. If full payment is received within 30 days after the bill is issued, no additional interest will be charged. Otherwise, interest will be computed after each payment at the rate of 3 percent for the interval since the most recent payment.

If the refund was paid on or after October 1, 1982, interest is compounded annually and charged through December 31 of the year before the year in which this bill is being issued. If full payment is received by December 31 of the year in which this bill is issued, no additional interest will be charged. If not, interest will be computed once each year as of December 31 based on the unpaid balance at that time. Interest is charged at a variable rate determined by the Department of the Treasury every year as described in the table.

Redeposit Service Ending on or after March 1, 1991 and Covered by CSRS

You can repay the refund you received for periods of civilian service ending on or after March 1, 1991, during which retirement deductions were withheld from your pay and later refunded to you. Unless you pay the redeposit in full, you will not receive credit for this service in the computation of your annuity. Consequently, your annuity, as well as any annuity due your surviving spouse, will be reduced. For refunds paid on or after October 1, 1982, interest is compounded annually and charged through December 31 of the year before the year in which this bill is being issued. If full payment is received by December 31 of the year in which this bill is issued, no additional interest will be charged. If not, interest will be computed once each year as of December 31 based on the unpaid balance at that time. Interest is charged at a variable rate determined by the Department of the Treasury every year as described in the table.

Procedures for paying a deposit or redeposit

You should apply to make a payment by completing a Standard Form 3108 Application to Make Service Credit/FERS.  If you are within six months of retirement, you should submit your request to make the deposit or redeposit at the same time you submit your application for retirement.  You can use a form or letter to do this.  We will notify you of any amounts due so you can decide whether or not to make the payment.  We cannot, however, authorize your regular annuity payments until we have your decision about the payment.

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Military Service

Credit for Military Service performed after 1956

To receive FERS credit for military service performed after 1956, you must pay a deposit.

Deposit Information
Dates of ServiceAmount of Deposit Due
Through 12/31/98 3% of military basic pay
01/01/99 through 12/31/99 3.25% of military basic pay
01/01/00 through 12/31/00 3.4% of military basic pay
01/01/01 to the present 3% of military basic pay

If you are entitled to have part of your retirement computed under CSRS Rules, military service performed prior to your transfer to FERS comes under the following CSRS deposit rules:

The CSRS deposit is 7 percent of your military basic pay

  • If you were first employed in a civilian position before October 1, 1982, you do not pay the deposit and you are eligible for a Social Security benefit at age 62, the CSRS part of your annuity will be recomputed at age 62 to delete credit for the post-1956 military service.
  • If you were first hired on or after October 1, 1982, you will not receive any credit for post-1956 military service if you do not make the deposit for it.

Procedures for paying the post-1956 military service deposit

You must make the deposit payment for your post-1956 military service before you stop working for the government. It is paid to your employing agency.  You should ask your local servicing personnel center for help in determining whether to make this payment.  They can provide personalized assistance because they have your employment records.

Military under USERRA

The Uniformed Services Employment and Reemployment Rights Act of 1994(USERRA) covers persons who perform duty in the "uniformed services". This includes not only the armed forces and the reserves but also the National Guard and the commissioned corps of the Public Health Service. These individuals are entitled to be restored to the position he or she would have attained had the employee not entered the uniformed service, provided the employee:

  • gave the agency advance notice of departure except where prevented by military circumstances; and
  • was released from uniformed service under honorable conditions; and
  • served no more than a cumulative total of 5 years and
  • applies for restoration within the appropriate time limits

As with all military deposits, the agency must handle military deposits under USERRA. The military deposit may be calculated based on military earnings or alternatively, the deposit can be calculated based on the retirement deductions the employee would have paid on the civilian salary during the same period, if it is less.

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