Military Appreciation Month

By submitting your application, you are applying for a cashRewards card account. If your application is approved for an account with a credit limit of less than $5,000, you will receive a standard cashRewards card that earns 1.5% cash back. If your credit limit is $5,000 or greater, you will receive a cashRewards Plus card that earns 2% cash back. The benefits of a standard cashRewards card differ from those of a cashRewards Plus card.

To receive the one-time $50 cash-back bonus, you must: (1) open a Navy Federal membership between 05/01/2026 and 07/31/2026, and (2) apply for and be approved for a cashRewards card via a Special Offers link provided in the membership confirmation page. This offer applies to standard cashRewards and cashRewards Plus credit cards. It does not apply to cashRewards Secured credit cards and credit card applications submitted by mail, by telephone, or in person. The $50 cash-back bonus will be credited to your cashRewards card's rewards balance within 6 weeks of account opening. Your credit card account must be open and not in default at the time the $50 is scheduled to post to your rewards balance. This offer may expire anytime without prior notice. You are solely responsible for any personal tax liability arising out of the acceptance of this offer. 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 and household members.

To be eligible for the $250 cash back, you must make $2,500 or more in eligible purchases within 90 days of account opening. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). Please allow up to 8 weeks after the 90-day period for the $250 to post to your rewards balance. Your account must be open and not in default at the time the $250 is scheduled to post to your rewards balance. Limit of one promotional offer at account opening.

As of 05/14/2026, rates range from 14.15% APR to 18.00% 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. Balance transfer offer: Application must be submitted by 07/31/2026. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available 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. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice. 

Navy Federal Credit Union reserves the right to change or discontinue products, promotions, rates, terms, and benefits at any time without notice. Rates include a discount of 0.25% and must be locked between 05/01/2026 and 05/31/2026. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.

Navy Federal Credit Union was a top 10 VA Lender by overall volume and total loan amount in 2025 by VA. 

Existing Navy Federal auto loans are not eligible for this bonus offer. To qualify for this $250 bonus offer: 1) complete the refinancing of your auto loan from another lender between 05/01/2026 and 06/01/2026; 2) the refinance loan amount must be $5,000 or more; and 3) the auto refinance loan must be open for at least 90 days and in Good Standing. (For purposes of this offer, “Good Standing” means the auto refinance loan is not delinquent at the time Navy Federal determines eligibility for the bonus.) Within 15 days of all above requirements being met, the $250 bonus will be deposited into the primary loan applicant’s savings account. Offer may not be combined with other auto refinance incentives. Recipient is solely responsible for any personal tax liability arising out of this incentive.

Offer valid as of 05/01/2026. To qualify for the $30 bonus, members must open a new 12-Month EasyStart Share or Special EasyStart Share Certificate between 05/01/2026 and 05/29/2026, set up, and complete a total of 3 or more recurring transfers into the new certificate by 08/31/2026. The recurring transfers must be set up and completed in Digital Banking using the "Start Transfer" feature within "Move Money" and selecting a transfer frequency of weekly, biweekly, or monthly. Primary account holders of 12-Month EasyStart Share or Special EasyStart Share Certificate eligible only. Example: Members who open a 12-Month EasyStart Share or Special EasyStart Share Certificate on 05/01/2026 must complete at least 3 recurring transfers by 08/31/2026 and will receive the $30 bonus by 11/30/2026. 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 recurring transfer requirement.

Exclusions include manual/one-time transfers, IRA and ESA products, renewals into a 12-Month EasyStart Share or Special EasyStart Share Certificate, Navy Federal Business Solutions accounts, and Navy Federal Trust accounts. A minimum opening deposit of $50 is required at account opening. Limit of one $30 bonus per member Access Number will be credited to the primary owner’s membership share savings account by 11/30/2026. EasyStart Share Certificate 3.66% Annual Percentage Yield (APY), 12-month term, effective 04/13/2026. Special EasyStart Share Certificate 4.00% APY, 12-month term, effective 04/13/2026. Penalties apply for early withdrawals from certificate accounts. The new certificate must remain open throughout the time Navy Federal attempts to deposit the bonus. Accounts must be in good standing for credit to be processed. The recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive. Navy Federal does not provide tax advice. Other restrictions may apply. 

Limit one Special EasyStart Certificate per product type per member. Product types include Share, IRA (either Traditional, Roth, or SEP), and ESA. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Additional deposits are allowed at any time subject to the maximum contribution limit. Certificate owner(s) age 18 and older must have direct deposit and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Special EasyStart Certificate dividend rate will be adjusted to the prevailing dividend rate of the 12-Month EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew and any amount exceeding the $3,000 maximum contribution limit will be transferred to your membership share savings account unless instructed otherwise.

You may qualify for direct deposit if you have (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) mobile deposits, ATM deposits, or branch deposits, payments from the FedNow® Payment network, the Real Time Payment network, or third-party services that facilitate payments to your debit card using the Navy Federal Credit Union Debit Card, totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.

Offer valid 05/01/2026-05/31/2026. To receive this offer, you must join Navy Federal as a new member between 05/01/2026 and 05/31/2026, be 18 years or older, and open a new Free Active Duty Checking account by 05/31/2026. Navy Federal Credit Union employees, contractors, and their immediate family members are not eligible to participate in this promotion. 

To qualify for the $10 bonus credit, you must make 3 qualifying purchases using the Navy Federal Debit Card associated with the new Free Active Duty Checking account within 30 days of account opening. To qualify, purchases must be more than $0 and be made by 06/30/2026. Qualifying purchases do not include gambling or cash-equivalent transactions, such as obtaining cash via a teller or ATM, or the purchase, loading, or reloading of gift and prepaid cards.

Additionally, International Service Assessment (ISA) fees incurred during the month of May 2026 on any Free Active Duty Checking account will be refunded.

All your Navy Federal accounts must be in good standing at the time the bonus credit is processed. If you are otherwise in good standing but have not yet funded your membership savings account at the time the bonus credit is processed, we will hold the minimum $5 share required to establish your membership.

Please allow 10-12 weeks after 06/30/2026 for the credit to be posted to your account and appear in your periodic statement. Limit one $10 bonus credit per member. This offer is not transferable. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the bonus credit. Taxes related to the bonus are the member's responsibility. Navy Federal does not provide tax advice. 

Navy Federal reserves the right to end or modify this offer at any time.