More Money for You—That’s Our Mission

Helping our members reach their financial goals—big or small—is at the heart of every single thing we do. Join today and take advantage of these special offers.

  • Low Intro APR on Balance Transfers

    Get the cashRewards credit card and save with a 1.99% intro APR on balance transfers for 12 months. After that, a variable APR between 9.65% and 18% applies.1 Plus, get a $150 cash-back bonus when you spend $3,000 within 90 days of account opening.2

  • $50 Bonus When You Open Your First IRA

    Get a jump start on your retirement savings goals. And, when you open your first IRA, we’ll deposit $50 into your account.3

  • $200 Cash Bonus on Auto Refinancing

    With auto loan rates as low as 1.79%,4 you could save big when you refinance your loan from another lender. Plus, get a $200 bonus if your loan is over $5,000.5

Why Join Navy Federal?

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.

  • Personal Finance Counseling

    It's important to keep sight of your financial goals. Let us help with our free confidential personal finance counseling.
    Learn Moreabout Personal Finance Counseling
  • Security Center

    Scammers will try to get you to share your personal information through email, telephone, text and even social media attacks. We can help you recognize their tactics.
    Learn Moreabout Security Center
  • Mobile and Online Banking

    Access your account, pay your bills, make deposits and more conveniently and securely on our mobile app* or online.
    Learn Moreabout Mobile and Online Banking

Who Can Join?

Navy Federal membership is open to all members of the armed forces, the DoD, veterans and their families.

Find Out If You're Eligible to become a member.

Membership Is a Big Deal

Our members earn and save an average of $3526  more per year by banking with us. See how you can take advantage of your new membership perks.

Learn More about some of your new membership perks.

What You’ll Need to Join
  • Name and Access Number of referring friend or family member
  • Social Security Number*
  • Driver’s license or government ID*
  • Current home address*
  • Credit card or bank account and routing number to fund your account

*You’ll need these for any joint owners you’d like to add.



As of 05/08/2021, rates range from 9.65% 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. Application must be submitted by 5/3/2021. 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 valid for balance transfers from non-Navy Federal credit cards requested within 30 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. Offer excludes Navy Federal Business, Home Equity Line Platinum and nRewards® Secured credit cards.


Offer valid for cardholders issued new cashRewards credit card accounts. To be eligible for the $150 cash back, you must make $3,000 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, gambling 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 reloading 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 1/5/21 to 3/31/21. Excludes Navy Federal Business cards.


Offer is effective 1/5/2021 and can end or be modified at any time. Limit one $50 bonus per member. Primary account holders only. To qualify for the $50 bonus, members must open their first IRA plan and deposit a minimum of $50 in the new IRA account no later than 45 days after account opening. Once the $50 required minimum balance has been deposited to the IRA, Navy Federal will credit the bonus directly into the new IRA account within 45 days. Example: Members who open their first IRA plan on 1/10/2021 and fund their $50 minimum on 2/15/2021 will receive the $50 bonus in their IRA account by 3/30/2021. The bonus will be credited to the IRA in the form of a dividend and will not be reportable as a contribution. Account must be in good standing for credit to be processed. Penalties apply for early withdrawals from the certificate, including any earned dividends. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the dividend. Taxes related to the $50 IRA bonus are the member's responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.


Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ. Interest rate available on 2019, 2020 and 2021 models with 7,499 miles or less.


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.


Dollar value shown represents the results of the 2020 Navy Federal's Member Giveback Study. The Member Giveback Study is an internal comparative market analysis of Navy Federal's loan and deposit account rates as compared to the national average for similar products.