Navy Federal Credit Union

Special Offers for Servicemembers

In honor of Military Appreciation Month, we're celebrating our servicemembers with military-exclusive offers on member referrals, checking accounts, certificates, auto refinances and credit cards.

Get $50 When You Give Membership
Refer armed forces personnel, DoD civilians and contractors, and their dependents, and you'll each get $50.1

Not a Member Yet?

Join today to take advantage of all the
benefits of membership–including these
great offers.

Get $50 with Active Duty Checking®
Open an Active Duty Checking account with a qualifying
Military Direct Deposit and get $50.2

Get a New Savings Strategy With a Certificate
Open a 15-month Military
Appreciation Certificate with a 3.00% APY and start growing your savings. Receive an additional $10 incentive when you set up a recurring transfer.3

Get $200 for Auto
Refinances

Military members: Refinance your loan from another lender and get $200.4 Active Duty and retired military members save an additional 1/4% APR on selected loans with
Direct Deposit.5

Get $200 With a cashRewards Credit Card
Open a new cashRewards credit card and get $200 cash back after
spending $2,000 within the first 90 days of account opening.6


Federally insured by NCUA. Offers valid between 5/1/2016 and 5/31/2016 and can expire anytime without prior notice. Recipient is solely responsible for any personal tax liability arising out of the acceptance of these incentives.

1This offer may not be combined with any other new-member offers at the time of the account opening. Must be eligible to join. Eligible referees include DoD civilians, contractors, Active Duty, retired, reserve, and Guard of the Army, Navy, Marine Corps, Air Force, and Coast Guard, and their dependents. Any current Navy Federal member 18 or older may be a referring member. Accounts must be in good standing for credits to be processed. Recruiters are not eligible to refer recruits. $5 minimum balance to open and maintain savings account, and to obtain bonus. Annual Percentage Yield 0.25%, effective 5/1/2016. Bonus deposited within 14 business days of account opening. Program must be mentioned at time of joining for account to be credited. Fees may reduce earnings, and rates may change. Limit five referrals per member. Navy Federal employees and their immediate family are not eligible to participate in this program. If the referred person is ineligible for membership, Navy Federal reserves the right to reclaim the referral awards and related bonuses, and to close any resulting new accounts. Referrals may only be made by members in
good standing.

2Only valid for new Active Duty Checking accounts. Checking account must be opened between 5/1/2016 and 5/31/2016 in order to be eligible for the bonus. Offer can expire anytime without prior notice. To be eligible for this account, the member must be Active Duty, retired, or reserve military, and must have a qualifying Military Direct Deposit of Net Pay of at least $300 that posts to the Active Duty Checking account within 90 days. If the Direct Deposit stops for more than 90 days, the account converts to an EveryDay Checking account. APY 0.05%, effective 5/1/2016. No minimum balance to open and maintain Active Duty Checking account and to obtain bonus. Bonus deposited within 30 days of account opening. Program must be mentioned at time of opening for account to be credited. Fees may reduce earnings, and rates may change. Offer valid only on new checking account and cannot be used on existing checking account. Navy Federal reserves the right to reverse the $50 incentive if Active Duty Checking account is not maintained for 12 consecutive months. Excludes members who join via Parris Island or Great Lakes.

3Limit one Military Appreciation Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective May 1, 2016. Navy Federal reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Military Appreciation Certificate has a $25 minimum balance and a $10,000 maximum balance. Additional deposits are allowed at any time subject to the maximum balance. Certificate owner(s) age 18 and older must have Defense Finance and Accounting Service (DFAS) Direct Deposit of Net Pay or DFAS Allotment within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Military Appreciation Certificate dividend rate will be reduced to the prevailing dividend rate of a standard EasyStart Certificate for the remainder of the certificate's term. Members who set up a recurring transfer at the time of purchase for at least $10 per recurring transfer for at least the first three months the certificate is open are eligible to receive a $10 bonus. The bonus will be paid directly into the Military Appreciation Certificate as a dividend no later than September 30, 2016 if all requirements are met. Limit one $10 transfer bonus per member. Other restrictions may apply.

4Primary applicant must be Active Duty, retired, or reserve military. Existing Navy Federal loans are not eligible for this offer. You must make your first scheduled payment in order to receive the offer. $200 will be credited to the primary applicant’s savings account between 61 and 65 days of the loan origination date. If the auto refinance loan is closed in the first 60 days, the $200 offer will become invalid. To qualify, refinance applications must be submitted between May 1, 2016 and May 31, 2016. Employees are either eligible for the refinance offer or the employee discount. Recipient is solely responsible for any personal tax liability arising out of this incentive.

5Applications accepted at a branch and by phone only. Rate discounts can be applied, but cannot bring the rate below the 1.79% APR minimum. Direct Deposit is required.

6Offer valid for cardholders issued new cashRewards credit card accounts. To be eligible for the $200 cash back offer, you must make $2,000 or more in net purchases within 90 days of account opening. Please allow up to eight weeks after the 90-day period for the $200 to post to your account. Account must be open and not in default at the time the $200 is posted. Limit of one special cash back offer per account under this promotion. Earn rewards 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, Navy Federal cash equivalent transactions, such as the purchase, loading or re-loading of Navy Federal prepaid and gift cards (e.g., Navy Federal gift cards, Visa® Buxx Cards, GO Prepaid Cards). Currently, rates range from 9.90% APR to 18% APR, are based on creditworthiness, and will vary with the market based on the Prime Rate.

  • Mortgages5/5 ARM as low as+
    3.199%APR
  • Auto Loansas low as+
    1.79%APR
  • Certificatesas high as
    3.00%APY
  • Checkingas high as
    0.45%APY
  • Credit Cardsas low as++
    8.24%APR
  • More Rates