Although the Naval Submarine Base Kings Bay and the surrounding communities may not be considered high-cost living areas, Service Members and their families are often surprised by the initial outlay of money required to become established in the community. Service Members stationed at Kings Bay may receive their Base Pay, Specialty Pay, Basic Allowance for Housing and Basic Allowance Subsistence. Waiting time for government quarters will vary greatly depending on family size and needs; therefore, families may want to consider renting a temporary house or apartment until they can obtain quarters. There are a number of motels and hotels in the surrounding communities with rates from $70 to $300 per night.

Fleet and Family Support Center (FFSC)

The FFSC is an authorized training site for the Command Financial Specialist Program. Command Financial Specialists are trained to assist members and families and are available at every Command. This program emphasizes personal financial responsibility and accountability by providing basic principles and practices of sound money management, counseling tools and referral services. This training is offered quarterly throughout the year. Call 912-573-9783 for details.

The FFSC Financial Counselor provides financial guidance to personnel experiencing money management difficulties or for those who wish to be in control of their finances. Appointments are available for active duty, family members, military retirees, veterans or on a referral basis from the Service Members' Command. The financial counselor can work with you to prepare a personalized budget and spending plan. Information and assistance is also available in areas such as military pay, consumer rip-offs, savings, insurance, car buying, home buying, credit management, Thrift Savings Plan, Blended Retirement System and much more.

You may also utilize the services of the Navy-Marine Corps Relief Society which can be used for financial guidance or to those experiencing money management difficulties. Financial counseling service personnel can work with you to prepare a personalized budget and spending plan to make life easier.<

If you are having trouble meeting urgent financial needs, they may be able to provide an interest-free loan or grant.

Navy Marine Corps Relief Society Kings Bay provides many services including a free uniform locker, Budget for Baby classes, education assistance programs for dependent family members, financial counseling, and confidential interest-free loans and grants on a need basis. 

Financial assistance is available to:

• Active-duty or retired sailors and marines
• Eligible family members with military identification cards
• Surviving spouses
• Reservists on active duty of 30 days or more

In an emergency, the NMCRS Kings Bay can provide assistance for:

• Food, rent and utilities
• Transportation expenses
• Essential vehicle repairs
• Medical and dental copays
• Disaster relief
• Funeral expenses
• Pay problems

When seeking assistance, remember to bring:

• Your military/eligible family member Department of Defense identification card
• Leave and Earnings Statement
• Supporting documents for your request
• Leave papers (if applicable)