Higher Balance. Higher Dividends.

Earn more money on your money—the higher your balance, the greater your dividends. Plus, you’ll get back up to $120 a year in ATM fee rebates1.

Open NowOpen a Flagship Checking Account

Become a Member

Features:

  • Tiered dividends based on balance
  • ATM fee rebates with direct deposit (up to $120 a year)1
  • No monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500

Best For:

  • Higher account balances
Tiered Rates Table
Tiers APY2
$0-$9,999: 0.35%
$10,000-$24,999: 0.40%
$25,000 & over: 0.45%

Included With All Navy Federal Checking Accounts

Direct Deposit—The Safe Way to Get Paid

  • Immediate access to your money
  • Reduced risk of ID theft or mail fraud
  • No cost to enroll
Learn More About Direct Deposit

Checking Resources

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Disclosures

1 Up to $10 in ATM fee rebates per statement period. Direct deposit required to receive ATM fee rebates for Flagship Checking.

2 Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 07/07/2020. Fees may reduce earnings. Must maintain an average daily balance of $1,500 to earn dividends.

3 For Flagship Checking, no monthly service fee if average daily balance is $1,500 or more; $10 if less than $1,500.

4 Free Active Duty Checking account includes free personalized traditional checks.