How to Make Different Types of Transfers

Send Money Fast With Zelle®

We've partnered with Zelle to allow you to send, receive and split money in minutes.1 Use Zelle with the people you're familiar with. Pay the sitter. Split the lunch tab—no problem!

Zelle is FREE to Navy Federal members through our digital banking experience.2 It's easy, fast and secure.

Learn more about Zelle

Transfer Funds to My Accounts

Digital Banking—Transfer money between your accounts via mobile and online.

Wire—A good electronic option to get funds into your account quickly.

SpeedPay—Make a loan payment or deposit a certificate by authorizing a check by phone (to have funds deducted from your checking account at another financial institution). To use SpeedPay, speak to a Member Service Representative at 1-888-842-6328, or if overseas, call via a Navy Federal international phone number.

Automated Clearing House (ACH)—Authorize an electronic transfer to Navy Federal—usually free of charge.

Branch—The first $200 of a deposit of checks made in a branch at the teller line will be available on or before the first business day after we receive your deposit. The remaining amount will be available the second business day.


Transfer Funds From My Accounts

Digital Banking—Transfer money between your accounts via mobile and online.

Wire—Have funds wired from your Navy Federal account to another financial institution.

Automated Clearing House (ACH)—Transfer funds electronically from your Navy Federal checking account to a checking account at another financial institution—free of charge.

By mail—Send a Cashier's Check.

Visit a branch

Cash Transfers*

Call us at 1-888-842-6328 or via a Navy Federal international phone number if overseas.

Transfer Funds Between Navy Federal Accounts

Funds in your Navy Federal savings account, checking account or Money Market Savings Account can be transferred into other Navy Federal accounts, such as for the purchase of a certificate or to make loan payments.

Digital Banking—Transfer money between your accounts via mobile and online.

Visit a branch

Call us at 1-888-842-6328 or via a Navy Federal international phone number if overseas.

Write to us—Look up mailing addresses

Use a Navy Federal ATM


Transfer Funds Overseas

Wire—Transfer funds to someone by initiating an outgoing international bank wire.

Cash Transfers*—Transfer cash for pickup at any of the over 225,000 Western Union Agent locations in over 190 countries and territories around the world.

Cashier's Checks—Funds are withdrawn from your savings account and sent by U.S. mail or Federal Express within 24 hours of receiving the request.

*Available for pickup at a Western Union Agent. This money transfer is through Navy Federal Credit Union and is not a Western Union transaction.

1Zelle is available to bank account holders in the U.S. only. To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 2Message and data rates may apply. Terms and Conditions are available.

Note: Zelle is not intended to replace the current member-to-member transfer options Navy Federal offers. It is available for members who do not have the option to complete an internal transfer or an ACHO (Automated Clearing House Operation) with an account and routing number. Members can also send funds to non-Navy Federal members.

Rates

Student Loans as low as+ 4.29% APR

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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