Retirement Benefits

Employees under CSRS/CSRS-Offset who leave federal service before meeting the age and service requirements for an immediate retirement benefit may receive a deferred annuity at age 62, if they have at least five years of creditable civilian service, do not receive a refund of all retirement contributions and are not eligible for an immediate retirement benefit.
Under FERS, employees are eligible at age 62 with five years of service, 60 with 20, minimum retirement age with 30 or MRA with 10 (but with a reduced benefit).