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Your Federal Employee Rights Amid Recent Executive Actions

CSRS vs. FERS: Understanding Federal Retirement Systems

June 26, 2025June 16, 2025

Read Time: 5 min read

CSRS vs. FERS refers to the two primary federal retirement systems. CSRS (Civil Service Retirement System) is a legacy plan offering a large pension without Social Security, while FERS (Federal Employees Retirement System) combines a smaller pension with Social Security and a Thrift Savings Plan (TSP). Most current federal employees are covered by FERS, which offers more portability and long-term flexibility. The History and Evolution of Federal Retirement Systems CSRS, established in 1920, was the sole retirement system for federal …

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