Active Duty & Military Families

Direct deposit is 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. Occupancy restriction applies. Subject to funding fee, which may be financed up to the maximum allowed loan amount. Conventional loans: 100% financing available for purchase loans only. VA loans: 100% financing subject to all VA program requirements. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.

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.

Guaranteed Rate Match is available for purchase and refinance first mortgages when all eligibility requirements are met and if Navy Federal will not match the valid rate match request. Exclusions apply, and loans under the Lock and Shop program are not eligible. Member must lock their rate with Navy Federal before submitting a rate match request; member must also submit the competing lender’s Loan Estimate and rate-lock disclosure within 3 calendar days of locking the rate with Navy Federal; the competitor’s rate must also be locked; and both the Loan Estimate date and rate-lock effective date must be within 3 calendar days of your Navy Federal lock. Only these documents are accepted as proof of competitor terms, which must match Navy Federal’s loan exactly (e.g., a 30-year fixed with mortgage insurance is not the same as a 30-year fixed without mortgage insurance). Loan Estimates from wholesale lenders or brokers are only acceptable if the Lender Information section is completed. To receive the $1,000 incentive, members must provide a signed final Closing Disclosure and final Mortgage Note within 30 calendar days of closing with the competitor lender. The offer is invalid if loan terms or conditions change before or at closing. Once approved, $1,000 will be deposited into the member’s Navy Federal account within 30 days of receiving the required documents. Recipients are responsible for any tax liability resulting from this incentive.

Limit one Special EasyStart Certificate per product type per member. Product types include Share, IRA (either Traditional, Roth, or SEP), and ESA. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Additional deposits are allowed at any time subject to the maximum contribution limit. Certificate owner(s) age 18 and older must have direct deposit 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 adjusted to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew and any amount exceeding the $3,000 maximum contribution limit will be transferred to your Membership Savings Account unless instructed otherwise.

You may qualify for direct deposit if you have (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) Mobile deposits, ATM deposits, or Branch deposits, payments from the FedNow® Payment network, the Real Time Payment network or third party services that facilitate payments to your debit card using the Navy Federal Credit Union Debit Card, totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.

Dollar value shown represents the results of the 2024 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.