Make your citizenship dreams a reality with the Dreamer loan.

Applying for citizenship shouldn’t be a burden. We make the citizenship application process affordable with this interest-free loan paid over the course of months rather than all at once.


  • Interest-free loan
  • $700 maximum per individual
  • 10 easy payments of $70
  • No credit history required
  • Offered in partnership with MAPS and Greater Boston Citizenship Initiative.

Disclosures: Maximum loan amount of $700 per applicant. All applicants must meet Naveo CU membership requirements. Applicant must establish a Naveo CU savings and checking account with e-statements and a debit card. All applications require a non-refundable $25 application fee for loans with automatic electronic payments or $50 application fee for loans with mailed or in-person monthly payments. Interest rate on loans will be 0% interest with 8% Annual Percentage Rate for loans with electronic payments or 16.45% Annual Percentage Rate for loans with mailed or in-person monthly payments. Applicants with established credit that meet Naveo CU lending standards will receive underwriting decision within 3 business days of completed application. Loan repayment will be 10 monthly payments of $70 each. Loan proceeds will be made payable to the US Department of Homeland Security in the amount of $680 per applicant and the check will be mailed to MAPS on applicant’s behalf with the citizenship application. Remainder of funds will be deposited into applicant’s Naveo CU checking account.

*Applicants without established credit history will be offered the opportunity to establish a timely payment performance by making at least four periodic deposits to their Naveo CU checking account; frequency and amount of deposits will be determined by frequency of applicant’s payroll (weekly, bi-weekly, semi-monthly or monthly). These deposits must be completed on time and prior to disbursement of loan funds.