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Celebrating Those Who Go Above and Beyond

Celebrating Those Who Go Above and Beyond

Join us as we honor the military community May 1 - May 31. 

Our Military Community Goes Above and Beyond

It’s Military Appreciation Month, and we’re celebrating our Active Duty members and the entire military community, who go above and beyond every day. Join us as we honor the extraordinary achievements of members like you. 

For 90 years now, it’s been our mission to serve and support military members and their families. We do that by offering award-winning products and services, built with you in mind, to help you reach your goals at each stage of your financial journey.

Our employees are part of the community we serve; many are military family members, reservists or Veterans themselves. Together, we empower our members and communities through intentional nonprofit partnerships, employee volunteerism and philanthropic giving.

Exclusive Offers for Our Members

 

Credit Card Bonus on New Accounts

You can earn a $50 bonus when you open a credit card within 14 days of joining Navy Federal.1

Join Todayfor credit card bonus on new accounts

Credit Card Bonus on New Accounts

You can earn a $50 bonus when you open a credit card within 14 days of joining Navy Federal.1

Join Todayfor credit card bonus on new accounts

Free Active Duty Checking® Account

Join and open a Free Active Duty Checking account and earn a $10 bonus when you make a debit card purchase within the first 30 days.2

Open Your Account 

Free Active Duty Checking® Account

Join and open a Free Active Duty Checking account and earn a $10 bonus when you make a debit card purchase within the first 30 days.2

Open Your Account 

Auto Loan Refinance  

You can earn a bonus when you refi today. Refinance your current auto loan from another lender with us, and you could get $200.3

Refinance Your Auto Loan 

Auto Loan Refinance  

You can earn a bonus when you refi today. Refinance your current auto loan from another lender with us, and you could get $200.3

Refinance Your Auto Loan 

Loan Rate Discount

Active Duty and retired military with direct deposit can get a 0.25% loan rate discount on select loans.4

See Details on our Loan Rate Discount

Loan Rate Discount

Active Duty and retired military with direct deposit can get a 0.25% loan rate discount on select loans.4

See Details on our Loan Rate Discount

  • Be Part of the Celebration 

    Here’s your chance to go above and beyond by dedicating an act of service to a loved military member or branch of service. Submit your video entry by May 31 for a chance to win $1,000!

    Here’s How to Enter about how we're celebrating

Our Team Members Go Above and Beyond

When Navy Federal's own Natasha J. saw a Veteran member in need of help beyond banking, she was moved by compassion. Her extraordinary kindness made all the difference for him and his wife.

Read the Story about how we're celebrating

Membership Benefits

It's our mission to put our members first by making your financial success a priority.

The Value of Membership

Our members could earn and save $473 per year by banking with us.5 Our market-leading regular savings rate is nearly two times the industry average.6 Our average credit card APR is 6% lower than the industry average.7

Explore Benefitsof Membership

Faster Saving With 18-Month EasyStartSM Share Certificates

Lock in a red-hot rate on a new or renewed 18-month EasyStart Share Certificate. Open with as little as $50 and watch your savings grow. Plus, enjoy the flexibility to withdraw one time only for no penalty.8

Open Nowan EasyStart Certificate

Top VA Lender9

We understand the unique needs of servicemembers and their families. To help you make the most of every benefit you’ve earned—like VA loans—we offer a 100% financing loan option with no PMI for Active Duty and Veterans.10

View Rateson VA loans

Free Active Duty Checking

Get ATM fee rebates (up to $240 a year)11 and early access to military pay!12 Plus, no minimum balance requirements and no monthly service charge. 

Get More Infoon Free Active Duty Checking

Disclosures

1

Offer valid May 01–May 31, 2024 and can expire anytime without prior notice. To receive the $50 bonus to your share savings account, you must 1) be 18 or older and eligible for membership, 2) join Navy Federal between 05/1/2024 and 05/31/2024, and 3) open a new Navy Federal Credit Card account within 14 days of joining. Offer excludes Navy Federal Business and Home Equity Line Platinum credit cards. Navy Federal membership is open to members of the Coast Guard, all Department of Defense uniformed personnel, reservists, Active Duty, retired, Veterans, Army and Air National Guard, DoD civilian employees, contractors, and their immediate family. Limit one (1) bonus per member. $5 minimum balance is required to open and maintain membership savings account and to obtain bonus. If you have not funded your new membership savings account at the time the bonus is credited, we will hold the minimum $5 share required for your membership. Annual Percentage Yield (APY) 0.25%, effective 03/15/2024. Fees may reduce earnings, and rates may change. Bonus deposited to your share savings account within 14 business days of credit card account opening. Accounts must be in good standing for credit to be processed. Recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive.

2

Offer valid May 1–May 31, 2024. Navy Federal reserves the right to end or modify this offer at any time. Navy Federal Credit Union employees, contractors, and their immediate family members are not eligible to participate in this promotion. To receive this offer, you must be a new member and open a new Free Active Duty Checking® account during the promotion period and make a purchase using your Navy Federal Debit Card associated with the new account within 30 days of account opening. Purchases must be more than $0 and made by June 30, 2024. Please allow 10–12 weeks for the credit to post to your account and appear on your periodic statement. This offer is not transferable. Transactions are not earned for gambling or cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards. Limit one (1) $10 bonus per member and must be 18 or older. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the bonus. Taxes related to the bonus are the member's responsibility. Navy Federal does not provide tax advice.

3

Credit and collateral subject to approval. Existing Navy Federal loans are not eligible for this offer. Auto refinance loan must be at least $5,000. Loan must be open for at least 60 days with first scheduled payment made to be eligible for the $200, which will be credited to the primary applicant’s savings account between 61 and 65 days of the loan origination date. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive.

4

Direct deposit is required. This military special may expire at any time. Applicants must contact Navy Federal by phone or visit a branch to receive the discount. Active Duty rate discounts (which are also available for retired military members) can be applied, subject to certain restrictions.

5

Dollar value shown represents the results of the 2022 Navy Federal Member Giveback Study. The Member Giveback Study takes into consideration internal market analyses comparing Navy Federal products with industry national averages, as well as member discounts, incentives, and other savings.

6

Savings rate value claim based on an internal comparative analysis of the average regular savings rate in the industry to the average regular savings rate at Navy Federal in 2022. The 2022 industry average data was obtained from fdic.gov.

7

Credit card value claim based on an internal analysis of Navy Federal's average credit card APR assigned to members compared to the average advertised credit card industry APR in 2022. The 2022 industry average data was obtained from creditcards.com.

8

This 18-Month EasyStart Share Certificate “one no-penalty withdrawal” offer is effective April 8, 2024. Navy Federal reserves the right to end or modify this offer at any time. The offer is applicable to any 18-Month EasyStart Share Certificate opened or renewed starting April 8. Waived penalty will only apply to the first withdrawal from an eligible 18-Month EasyStart Share Certificate. Withdrawals are permitted starting seven days after new certificate account opening date. The 18-Month EasyStart Share Certificate has a minimum purchase amount of $50. Other restrictions may apply. APY may change before an 18-Month EasyStart Share Certificate is opened and funded. Offer not available for IRA or ESA certificates.

9

Navy Federal Credit Union was included in 9 Best VA Lenders in March 2024 by money.com.

10

100% financing subject to all VA rules, guidelines, and additional program requirements. All loans subject to approval. VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.

11

Up to $20.00 in ATM fee rebates per statement period.

12

Members with Free Active Duty Checking® accounts will receive their Direct Deposit one business day early.

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.