Disclosures

1Offer valid for cardmembers issued new Navy Federal More Rewards American Express® Card accounts. To be eligible for the 30,000 points, you must make $3,000 or more in net purchases with the card 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 and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, and ATM cash advance fees. Cash equivalent transactions, such as the purchase, loading, or re-loading of gift and prepaid cards (e.g., money orders, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to eight weeks after the 90-day period for the 30,000 points to post to your rewards balance. Account must be open and not in default at the time the 30,000 points are issued in order to be posted to your rewards balance. Limit of one promotional offer per account. Offer valid for accounts applied for between 3/1/2019 and 4/30/2019. Navy Federal reserves the right to end or modify this offer at any time.

2Offer valid for cardholders issued new cashRewards credit card accounts. To be eligible for the $250 cash back, you must make $2,500 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 and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading or re-loading of gift and prepaid cards (e.g., money orders, Visa® Buxx Cards, GO Prepaid Cards, and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to eight weeks after the 90-day period for the bonus cash back to post to your rewards balance. Account must be open and not in default at the time the bonus cash back posts to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for from 3/1/19 to 9/3/19. Navy Federal reserves the right to end or modify this offer at any time. Excludes Navy Federal Business cards.

3Offer valid for cardholders issued new Visa Signature Flagship Rewards Credit Card accounts. To be eligible for the 50,000 points offer, you must make $4,000 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 and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading, or re-loading of gift and prepaid cards (e.g., money orders, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Please allow up to eight weeks after the 90-day period for the 50,000 points to post to your rewards balance. Account must be open and not in default at the time the 50,000 points are posted to your rewards balance. Limit of one promotional offer at account opening. Valid for offers applied for from 3/1/19 to 9/3/19. Navy Federal reserves the right to end or modify this offer at any time.

4As of 2/1/19, rates range from 8.24% 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 1/2/20. Navy Federal reserves the right to end or modify this offer at any time. Offer valid for balances transferred from non-Navy Federal credit cards within 30 days of account opening. Navy Federal reserves the right to refuse duplicate balance transfer requests. Maximum total transfer amount is limited to your approved 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. Offer excludes Navy Federal nRewards® Secured, Business and Home Equity Line Platinum credit cards.