Navy Federal Credit Union

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

Exclusive Offers

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

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

  • 0% fixed intro APR on purchases and balance transfers for six months. After that, the rate
    will change to a variable APR between 8.24% and 18%.1
  • No balance transfer fee1
  • No foreign transaction fees1
  • No annual fee1
  • Plus, you'll earn 2X the rewards on purchases.2

To apply, visit your nearby academy branch.


1Currently, rates range from 8.24% APR to 18% APR, are based on creditworthiness, and will vary with the market based on the 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 balances transferred from other card-issuer accounts requested at the time of application. 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 and cannot exceed $30,000. 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.
2Earn rewards 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, Navy Federal cash equivalent transactions, such as the purchase, loading or re-loading of Navy Federal prepaid and gift cards (e.g., Navy Federal gift cards, Visa® Buxx Cards or GO Prepaid Cards).

Active Duty Checking*

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.


*A 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.
**Message and data rates may apply.
  • Mortgages5/5 ARM as low as+
    3.199%APR
  • Auto Loansas low as+
    1.79%APR
  • Certificatesas high as
    3.00%APY
  • Checkingas high as
    0.45%APY
  • Credit Cardsas low as++
    8.24%APR
  • More Rates