Transfer Your Balance to a Navy Federal Credit Card

Want to lower your interest rate, reduce your monthly payment or consolidate multiple credit cards so you have just 1 monthly payment? You can move the balance on your current credit card to a new or existing Navy Federal card and enjoy our low rates and award-winning service.

What You’ll Need to Perform a Balance Transfer

  • Name and address of the other financial institution (Navy Federal accounts are excluded)
  • Your account number at that financial institution
  • The amount to transfer

Mobile Banking

  1. Step 1

    Sign in to mobile banking.*

  2. Step 2

    From your Accounts Screen, select the card you’d like to transfer to.

  3. Step 3

    Tap "Manage Card" and then select "Balance Transfer" in the Maintenance section.

  4. Step 4

    Follow the on-screen instructions to complete your transfer.


Online Banking

  1. Step 1

    Sign in to online banking.

  2. Step 2

    On the Transfers tab, click the box in the lower right of the screen that says Make a Credit Card Balance Transfer.

  3. Step 3

    Follow the on-screen instructions to complete your transfer.

    Get Started

If you're a member but don’t have a Navy Federal Credit Card, simply select the Balance Transfer option while you’re completing your credit card application.

Once you've completed the transfer, wait at least 2 weeks to make sure it was successful. While waiting, continue making payments on your old card to avoid any late fees or delinquency. Finally, decide what you want to do with your old card. Keeping it open may help you continue to build credit. If you think you may be tempted to rack up more charges on the card, it might be best to close the account.