Active Duty & Military Families
Whether you’re a seasoned servicemember or a new recruit, we value your service. We’re dedicated to offering extra-low rates, loan discounts and other products and resources to lighten your load while complementing your busy military life
Active Duty Checking®
Get up to $20 in ATM fee rebates, free military checks and early access to military pay with qualifying military direct deposit.
Active Duty and retired military members with direct deposit can get a 0.25% APR discount on select loans.1
VA Home Loans
We offer 100% financing options on loans guaranteed by the Department of Veterans Affairs.2
Military Choice Home Loans
100% financing option available for Active Duty and veterans.2
Academy, ROTC and DEP
If you're a junior or senior attending a service academy, an ROTC cadet or a recruit in the Delayed Entry Program (DEP), we've got great rates and exclusive offers just for you.
Navigate Life in the Military
From transitioning into and out of military life, to being deployed and living overseas, your life is unique. Here are some resources to help you out, no matter where you are.
Once you become a member, you're part of our family. We're dedicated to providing you all the support you need to reach your financial goals along with the banking experience you deserve.
Once you become a member, you're part of our family. We're dedicated to providing you all the support you need to reach your financial goals along with the banking experience you deserve.Learn Moreabout Exceptional Service
Powerful Products With Great Rates
Get access to excellent member benefits, including competitive rates, superior service and free checking options.Learn Moreabout Powerful Products With Great Rates
Low Fees, Low Charges
Since we're a not-for-profit organization, one of the benefits of membership is that we keep our fees and charges low.Learn Moreabout Low Fees, Low Charges
With multiple ways to bank, you get access to your money the way you want it, when you want it—on your mobile device,* online, in person or at an ATM.Learn Moreabout Convenient Banking
Home Buying Made Easy
We're a top VA lender. If you've used up your VA eligibility, check out our Military Choice Home Loan, a great option for servicemembers and veterans.Learn Moreabout Home Buying Made Easy
Special Offers & Discounts
Enjoy member-exclusive offers and discounts that save you money on auto insurance, car rentals and more.Learn Moreabout Special Offers & Discounts
Auto Loan Refinance
If you didn’t finance your auto loan with Navy Federal, now is your chance. Refinance with us and get $200.3
Mortgage Rate Match
If you find a better rate for your home purchase or refinance, we'll match it. If we can't, we'll give you $1,000 after closing.4
Operation Earn More
Start building your savings quickly and easily with a 3.50% APY Special EasyStartSM Certificate.5
Membership Is a Big Deal
Our members could earn and save $3496 per year by banking with us. See how you can take advantage of your new membership perks.
We Serve Where You Serve
Finding a nearby branch or no-fee ATM couldn’t be easier. Use our locator tool to find one close to you.
Direct deposit required. This military special may expire at any time. Applicants must contact Navy Federal by phone or visit a branch to receive the discount. Active Duty rate discounts (which are also available for retired military members) can be applied, subject to certain restrictions.↵
Product features subject to approval. Available for purchase loans only. Loans are subject to an additional funding fee, which may be financed up to the maximum loan amount.↵
Credit and collateral subject to approval. Existing Navy Federal loans are not eligible for this offer. Auto refinance loan must be at least $5,000. Loan must be open for at least 60 days with first scheduled payment made to be eligible for the $200, which will be credited to the primary applicant’s savings account between 61 and 65 days of the loan origination date. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive.↵
Guarantee to receive rate match only applicable if all conditions are met. Available for purchase and refinance first mortgages. Certain product exclusions may apply. You must lock your rate with Navy Federal prior to submitting rate match request to qualify. A Loan Estimate and the rate lock disclosure from the competing lender must be received within 3 calendar days of locking with Navy Federal. The rate must be locked with the competing lender. The date of the Loan Estimate and the lock effective date with the competing lender must be within 3 calendar days of the rate lock with Navy Federal. Please note that no other documentation may be used to show competitors' terms. The terms of the competing loan must be identical to Navy Federal's loan; for example, a 30-year, fixed-rate product with mortgage insurance is not identical to a Navy Federal 30-year, fixed-rate product that does not have mortgage insurance. If the loan does not close within the commitment period, the rate match may be voided. NOTE: The initial Loan Estimate from a wholesale lender/broker is not an acceptable document for a rate match submission unless the Lender Information section on the Loan Estimate is completed. To receive $1,000, you must provide a signed, executed copy of the final Closing Disclosure and a copy of the final mortgage note within 30 calendar days of your loan closing with the original competing lender. Not valid if original loan terms or conditions change prior to closing. Once approved, $1,000 will be automatically deposited into your Navy Federal account within 30 calendar days of receiving the necessary documentation. Recipient is solely responsible for any personal tax liability arising out of this incentive.↵
Limit one Special EasyStart Certificate per member. APY accurate as of 06/04/2023. Navy Federal reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay or payroll allotment 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 reduced to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate’s term.↵
Dollar value shown represents the results of the 2022 Navy Federal Member Giveback Study. The Member Giveback Study takes into consideration internal market analyses comparing Navy Federal products with industry national averages, as well as member discounts, incentives, and other savings.↵