When You're a Member, You’ll Get More

New year, new financial goals? We can help you with that. At Navy Federal, it's our mission to put you and your needs first. Join today and enjoy these great offers:

Low Rate on Credit Card Balance Transfers

Take advantage of a 1.99% intro APR on balance transfers and purchases for 12 months. After that, a standard variable APR between 7.49% and 18% applies.2

$50 Bonus3 When You Open Your First IRA

Get a jump-start on your savings goals! When you open your first IRA, we’ll deposit $50 into your account.

$200 Cash Back4 on Auto Refinancing

Get $200 cash back when you refinance your current auto loan with us from another lender.

eChecking Is Easy Checking

Free eChecking gives you the freedom to bank whenever, wherever. Plus, enjoy dividend returns and ATM fee rebates.

Hurry—this offer ends March 2, 2020.

Sign up online using promo code DIGITAL20, and you’ll receive $25.

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

What You'll Need to Join

Our field of membership also covers DoD civilian personnel, who support our armed forces.

This category includes:

  • 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
Join Now to Become a Member


1 Offer valid between 1/3/2020 and 3/2/2020 and can expire anytime without prior notice. To receive the $25 bonus, you must apply online, be eligible to join and at least 18 years of age. This offer may not be combined with any other new-member offers at the time of account opening. Eligibility is open to members of the Coast Guard, all Department of Defense uniformed personnel, reservists, Active Duty, retired, veterans, Army and Air National Guard, DoD civilian employees, contractors and their immediate family. Promo code DIGITAL20 must be mentioned at the time of joining for account to be credited. $5 minimum balance is required to open and maintain membership savings account and to obtain bonus. If you have not funded your new membership savings account at the time the bonus is credited, we will hold the minimum $5 share required for your membership. Annual Percentage Yield (APY) 0.25%, effective 10/29/2019. Bonus deposited within 14 business days of membership being established. Accounts must be in good standing for credit to be processed. Fees may reduce earnings, and rates may change. Navy Federal employees and their immediate family are not eligible to participate in these programs. Recipient is solely responsible for any personal tax liability arising out of the acceptance of these incentives.

2 As of 12/2/19, rates range from 7.49% APR to 18% APR, are based on product type and 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. $49 annual fee for Visa Signature® Flagship Rewards. Balance transfer offer: Application must be accepted by 3/2/20. Offer valid for balances transferred from non-Navy Federal credit cards within 30 days of account opening. Balance transfers are not eligible to earn rewards. 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 entire balance (including any transferred balances or purchases made under this offer) in full each month by the payment due date. To avoid paying interest on purchases, you must pay your entire balance by the next due date, including balances transferred under this promotion. Offer excludes Navy Federal nRewards® Secured, Platinum, Business and Home Equity Line Platinum credit cards.

3 This offer is effective Dec. 8, 2019 and can end or be modified at any time. Offer only available to members who open their first IRA plan and deposit a minimum of $50 in the new IRA account no later than 45 days after account opening. Limit one IRA $50 bonus per member. Once funds have been deposited to the IRA, Navy Federal will credit the bonus directly into your new IRA account within 30 days. The IRA $50 bonus will be credited to your IRA in the form of a dividend and will not be reportable as a contribution. 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 IRA $50 bonus are the member’s responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.

4 Existing Navy Federal loans are not eligible for this offer. You must make your first scheduled payment in order to receive this offer. Refinanced loan must be at least $5,000 to be eligible for the $200. $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 canceled or paid off in the first 60 days, the $200 offer will become invalid. Recipient is solely responsible for any personal tax liability arising out of this incentive.