To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Commitment Connects Us

When you serve your country or support a servicemember in your family, you’re making an important commitment. Though our impact can't compare, it’s commitment that connects us.

For more than 88 years, it’s been our mission to serve and support the military and their families. We do that by offering award-winning products and services built with you in mind, and by showing our commitment to the military community by partnering with organizations like Operation Gratitude.

And this year, we're taking things further by donating $50,000 to Operation Gratitude to aid their mission in supporting the military community.

Not a member?

You can join to earn more, save more and live the life you want.

Join Now to become a member of Navy Federal Credit Union

Exclusive Offers for Our Members

We want you to earn more, save more and live the life you want knowing we’re behind you all the way. To celebrate Military Appreciation Month, enjoy benefits like expert loan advice from a top VA lenderFree Active Duty Checking® and these member-exclusive offers:

Earn $200 Bonus Cash Back With a New cashRewards Credit Card1

Open a Navy Federal cashRewards credit card, and you could earn $200 bonus cash back when you spend $2,000 within 90 days of account opening.

Learn More about the cashRewards Credit Card

$30 Bonus on a New EasyStartSM or Special EasyStart Certificate2

Open a new EasyStart or Special EasyStart Certificate, and you could get a $30 bonus after you make 3 automatic transfers. Start with as little as $50 and watch your savings grow with an APY as high as 3.00%.

Learn More about the EasyStart Certificate

$200 Back on Auto Refinancing

Refinance your current auto loan from another lender, and you could get $200 credited to your account.3 Plus, you could reduce your monthly payment.

Learn More about Auto Refinancing

Join the Celebration

Join us all month long as we honor the military community! Whether it's posting as part of our #MissionMilitaryThanks social media contest for a chance to win $1,000, or writing letters to our troops, you can help us make this month mean more.

Learn More about how we're celebrating

Share the Gift of Membership

Military Appreciation Month is a great time to pass on the perks of membership by referring eligible friends and family. Members enjoy:

  • average earnings and savings of $352 more per year4
  • a savings rate 3X the industry average4
  • an average credit card APR that's 5% lower than the industry average5
  • award-winning products and services to help our members reach their financial goals

Who’s Eligible?

Navy Federal membership is open to all members of the armed forces, the DoD, veterans and their families.

Learn More about who is eligible

Benefits of Membership

  • Service Excellence

    Choosing where you’ll put your money and who you’ll trust to help you reach your goals is a big decision. We’re proud to be the ones that Active Duty, veterans and their families turn to.

    Learn Moreabout Service Excellence
  • Member Offers & Discounts

    Enjoy member-exclusive offers and discounts that save you money on auto insurance, car rentals and more.

    Learn Moreabout Member Offers & Discounts
  • Personal Finance Counseling

    It's important to keep sight of your financial goals. Let us help with our free confidential personal finance counseling.

    Learn Moreabout Personal Finance Counseling



As of 5/2/2022, rates range from 9.90% to 18% 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 foreign transaction. Offer valid for cardholders issued new cashRewards credit card accounts. To be eligible for the $200 cash back, you must make $2,000 or more in net purchases within 90 days of account opening. Rewards are earned on eligible net purchases. ‘Net purchases’ means the sum of your eligible purchase transactions minus returns or refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, gambling or fees of any kid, including finance charges, late fees, returned check fees and ATM cash advance fees. Cash equivalent transactions, such as purchase, loading or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid cards, and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to 8 weeks after the 90-day period for the $200 to post to your rewards balance. Account must be open and not in default at the time the $200 is scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for by 7/5/2022. Navy Federal reserves the right to change or end this offer at any time without notice.


Limit one $30 bonus per member. Primary account holders only. Primary certificate holder must be at least 18 years of age. To qualify for the $30 bonus, members must open a new EasyStart Share or Special EasyStart Share Certificate between 5/1/22 and 6/1/22 and complete a total of three (3) automatic transfers within 60 days of certificate opening. Minimum balance of $50 required to open an EasyStart Share or Special EasyStart Share Certificate. Once the three (3) automatic transfers have been completed, Navy Federal will credit the $30 bonus within 30 days. Bonus will be credited to the member’s savings account, then transferred to the EasyStart Share or Special EasyStart Share Certificate. Example: Members who open an EasyStart Share or Special EasyStart Share Certificate on May 10, 2022 must complete three automatic transfers by July 9, 2022, and will receive the $30 bonus by August 8, 2022. Members who open a Special EasyStart Share Certificate at the $3,000 maximum balance are not eligible for the bonus since they are unable to fulfill the automatic transfer requirement. Penalties apply for early withdrawals from the EasyStart Share and Special EasyStart Share Certificate, including any earned dividends. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the dividend. Taxes related to the bonus are the member’s responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.


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.


Based on the results of the 2020 Navy Federal Member Giveback Study. The Member Giveback Study is an internal comparative market analysis of Navy Federal's loan and deposit account rates as compared to the national average for similar products.


Credit card value claim based on internal comparative analysis of the average advertised credit card industry APR and the average "as low as" APR for Navy Federal Credit Cards. The 2020 industry average was obtained from Introductory rates are not included in the calculations.