The Value of Navy Federal Credit Union Membership

Dollar value shown reflects the 2025 Navy Federal Member Giveback Study, which considers internal analyses comparing Navy Federal products to industry national averages, and includes dividends earned on savings, lower loan rates, discounts, and other benefits. Individual results will vary.

There are no fees for members who use their Navy Federal Debit Card at Navy Federal-owned and CO-OP Network® ATMs, in addition to participating California Walgreens.

Up to $10 per statement period with Free Easy Checking, Flagship Checking, and Free Campus Checking accounts; up to $20 per statement period with Free Active Duty Checking®.  Direct deposit required in order to receive ATM fee rebates for Flagship Checking.

Credit card value claim based on an internal analysis of Navy Federal’s average credit card APR assigned to members compared to the bank industry average credit card APR in 2025. The 2025 bank industry average data was obtained from the Federal Reserve’s G.19 Consumer Credit data release.

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.

As of 10/22/2026, the Purchase, Balance Transfer, and Convenience Check APR for the cashRewards Secured card is 18.00% and for other cards ranges from 10.24% APR to 18.00% APR, are based on creditworthiness and product type. These APRs vary with the market based on the U.S. Prime Rate. The Cash Advance APR is 18%. The Penalty APR is 18% and may apply to an account that is over 60 days past due. 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. $95 annual fee for Flagship Premier Visa Signature® applies.

Value claim based on Navy Federal's 2025 Member Giveback Study.

Automatic Payments Discount: You will receive a 0.25% interest rate discount when you enroll in automatic payments from your personal bank account using ACH. You must stay enrolled in automatic payments to keep this discount. If automatic payments are stopped, are canceled, fail, or are returned (for example, due to insufficient funds), the discount will be removed. The discount will also not apply during periods when payments are paused, such as forbearance. You can receive the discount again by re-enrolling in automatic payments. For variable-rate loans, your APR (including the discount) will not go below the floor rate.

Product features subject to approval. Occupancy restriction applies. Subject to funding fee, which may be financed up to the maximum allowed loan amount. VA loans: Subject to all VA program requirements. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.

cashRewards Plus credit cards earn 2% cash back per dollar spent on eligible purchases. cashRewards credit cards earn 1.5% cash back per dollar spent on eligible purchases. Eligible purchases include purchases of goods and services, minus returns and credits, and exclude fees, interest, balance transfers, convenience checks, and cash advances, including cash-equivalent transactions such as gambling, purchases from securities brokers and dealers (including prediction markets), money orders, gift cards, prepaid cards, and person-to-person money transfers through third-party services. For more information, view the Program Descriptions for the cashRewards and cashRewards Plus cards.

Existing Navy Federal loans are not eligible for this offer. To qualify for this $200 bonus offer: 1) the auto refinance loan amount must be $5,000 or more; and 2) the auto refinance loan must be open for at least 90 days. Within 15 days of all above requirements being met, the $200 bonus will be deposited into the primary borrower's savings account. Credit and collateral subject to approval. Offer may end at any time and cannot be combined with other auto refinance incentives. Recipient is solely responsible for any personal tax liability arising out of this incentive.

This program is only available for individual home purchases and sales in the contiguous U.S., Alaska, and Hawaii, excluding Iowa and employer-sponsored relocations. Financing through Navy Federal is not required to receive program benefits. The cash back is only available with the purchase or sale of your home through the use of a program-referred and -approved real estate agent, and is offered in most states, with the exception of Iowa, Alaska, and Oklahoma, and is not available in certain transactions with restricted agent commissions (including many new constructions, For Sale by Owner, or For Sale by iBuyer transactions, or where a minimum transaction side commission is not paid). Your agent can confirm which transactions are eligible. Cash-back amount depends on property value. Obtaining the full $9,000 requires a $3 million or greater transaction. Calculate your amount at navyfederalrealtyplus.com. One cash-back offer per property with no limit on the number of times you may use the program. In some states, a gift card or commission credit at closing may replace cash back. 

In Kansas and Tennessee, a Mastercard® MAX gift card is provided with preloaded points and ready for use at specified retail establishments after closing. A commission reduction may be available in Mississippi, New Jersey, and Oregon instead of cash back. All real estate commissions are negotiable, and real estate broker fees apply. This program is offered, in part, by Anywhere Leads Inc., which may receive a co-operative brokerage fee as a result of a referral to any affiliated real estate companies, including Better Homes and Gardens® Real Estate, Coldwell Banker®, Century 21®, ERA® Real Estate, and Corcoran. Please check with the RealtyPlus program coordinator for full details, as program restrictions, terms, and conditions apply and are subject to change at any time without notice. This is an advertisement and not a solicitation for agent representation if your property is currently listed with an agent. Anywhere Leads Inc., 175 Park Avenue, Madison, NJ 07940. Licensed broker in the state of Texas. Broker license #9009191.

In order to fully benefit from RealtyPlus services, you must be referred by RealtyPlus before contracting with a real estate agent and be represented by the assigned RealtyPlus real estate firm and agent at closing to qualify. Standard listing fees apply. Contact RealtyPlus for terms and conditions.

PMI savings are based on Navy Federal’s 2025 Member Giveback Study, which compares our rates to industry benchmark rates using GSE data. Savings estimates apply a weighted average of the life of the loans and use typical mortgage insurance rates. Individual results will vary.

The USA TODAY Best Financial Advisory Firms 2026 list was developed by Statista and is based on independent survey responses and publicly available assets under management data. The award is not indicative of Navy Federal Investment Services' (NFIS) future performance or of any one client's experience. Neither NFIS nor its employees paid a fee to obtain this ranking. NFIS pays a fee for promotion and logo distribution rights.

Navy Federal Financial Group, LLC (NFFG) is a licensed insurance agency. Non-deposit investments, brokerage, and advisory products are only sold through Navy Federal Investment Services, LLC (NFIS), a member of FINRA/SIPC and an SEC-registered investment advisory firm. NFIS is a wholly owned subsidiary of NFFG. Insurance products are offered through NFFG and NFIS. These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of Navy Federal Credit Union (NFCU), are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal. Deposit products and related services are provided by NFCU. Digital Investor offered through NFIS. Financial Advisors are employees of NFFG, and they are employees and registered representatives of NFIS. NFIS and NFFG are affiliated companies under the common control of NFCU. Call 1-877-221-8108 for further information.