Exclusive Offers for Academy Cadets and Midshipmen

It's an Honor and a Privilege to Serve You.

To kick off your career the right way, we're offering great rates and rewards to any juniors and seniors who are attending a service academy. It's easy to get started. Visit your academy branch to take advantage of our offers.

Benefits of Membership

In addition to our exclusive offers, you'll also have access to our great benefits.

  • Over 280 branches worldwide
  • Thousands of free ATMs nationwide
  • Up to $20 in ATM fee rebates

Career Kick-Off Loan

Career Kick-Off Loan1

Start investing in your future with this great opportunity.

  • 1.25% APR2 on a 60-month loan up to $32,000
  • Payments deferred 90 days after commissioning3

To apply, visit your nearby academy Navy Federal branch.

1Offer expires upon graduation. Must establish and maintain a Navy Federal checking account with Direct Deposit of Net Pay within 60 days of the loan date and throughout the term of the loan. If not maintained, or upon separation from the academy, the interest rate on the loan will revert from the 1.25% APR to the prevailing signature loan rate.

2Annual Percentage Rate. A loan amount of $32,000 for 60 months at 1.25% APR would have a monthly payment of $564.97, which includes the interest accrued during the deferment period.

3Repayment deferred until after graduation. Interest will accrue from the date the loan is disbursed, through the deferment period. Use of released Department of Defense imagery does not constitute product or organizational endorsement of any kind by the Department of Defense. Department of Defense photo.

GO REWARDS® Credit Card

GO REWARD Credit Card

With our GO REWARDS credit card, you get rewarded for purchases you make—no matter where your life takes you.

  • 0% intro APR on purchases and balance transfers for six months. After that, the rate
    will change to a variable APR between 7.99% and 18.0%.1
  • No balance transfer fee1
  • No foreign transaction fees1
  • No annual fee1
  • Plus, you'll earn two points per dollar spent on purchases.2

To apply, visit your nearby academy branch.

1As of 11/1, rates range from 7.99% APR to 18.0% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per overseas transaction. Offers exclude Navy Federal credit cards. Balance transfer offer: Offer valid for balance transfers from non-Navy Federal credit cards requested within 30 days of account opening. Balance transfers are not eligible to earn rewards. Navy Federal reserves the right to refuse duplicate balance transfer requests. Maximum total transfer amount is limited to your approved credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance (including any transferred balances) in full each month by the payment due date. Offer can expire at any time without prior notice. Image used for representational purposes only; does not imply government endorsement.

2Rewards are earned on eligible net purchases. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Navy Federal cash equivalent transactions, such as the purchase, loading or re-loading of Navy Federal gift and prepaid cards (e.g., Navy Federal gift cards, Visa® Buxx Cards, GO Prepaid Cards), are also not eligible purchase transactions and do not earn rewards.

Active Duty Checking®

Active Duty Checking1

It's the checking account uniquely designed for military life.

  • Early access to military pay with Direct Deposit
  • ATM fee rebates (up to $20 per statement period)
  • No monthly service fee
  • Deposit checks from anywhere using Mobile or Scan Deposits*

Open an account online or visit your nearby academy branch.

1A qualifying Military Direct Deposit of Net Pay must post to your Active Duty Checking account within 90 days of account opening. If the Military Direct Deposit stops for more than 90 days, the account converts to an EveryDay Checking account.


Savings as high as 1.35% APY

Auto Loans as low as+ 2.99% APR

Certificates as high as 3.50% APY

Credit Cards as low as++ 7.99% APR

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