Say "hello" to your financial fairy godmother. So you needed a little retail therapy? Or, maybe you took a short holiday from balancing your checkbook. Nobody's perfect, and with NFCU's overdraft protection, you don't have to be. With 3 months of continuous employment and a $10 credit report fee, on approval of credit we'll give you a fee-free, low-interest loan to cover you during the occasional financial funk.