To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Membership Is a Big Deal

Membership Is a Big Deal

It’s our mission to help you earn and save more.

Our Members Could Earn and Save:1

$461 Per Year

Pay No Fees

Service Fees

You Pay $0

Why pay something when you could pay nothing? Enjoy no-service-fee options on:

Get Low Rates & Rate Discounts

Student Loans

0.25% Interest Rate Reduction

Receive a 0.25% interest rate reduction on Student Loans when you sign up for automatic payments.3

Credit Cards

6.81% Lower Average APR Than Industry Average4

Our average credit card APR is 6.81% lower than the industry average and is currently capped at 18%.4


100% Financing Options

Low mortgage rates and no-money-down, 100% financing options.5

Earn Cash Back With Our Member Benefits

Credit Card Cash Back

Earn Up to 1.75% Cash Back6

Earn up to 1.75% cash back on all purchases with cashRewards. If you spend $10,000, that’s $175 back in your pocket.

Checking Account Dividends

Earn Dividends on All Accounts

Make your money work for you; earn dividends on every checking account.

Auto Refi Cash Back

$200 Cash-Back Offer

You could earn $2007 for refinancing your auto loan from another lender with us.


Get Up to $9,000 When You Buy or Sell8

Get $400 to $9,000 cash back when you buy or sell your home with RealtyPlus.

ATM Fee Rebates

Get Up to $240 Per Year9

Choose a checking account with ATM fee rebates and get up to $20 per statement period toward ATM fees.

Grow Your Savings


Market-Leading Certificates10

Certificates help with short-term savings for long-term goals.

My Perks

Partner Perks & Discounts

Take advantage of discounts and perks with our partners, and you could save even more.

Reap Rewards

Credit Card Reward Options

Points on purchases, cash back, travel options and great interest rates. Choose a card and get rewarded the way you want.

Get Rewarded With Member Deals

Anytime you shop online, visit Member Deals for extra discounts, bonus credit card rewards and free shipping with select retailers.

My Goals


Get the support and education you need to make your financial dreams a reality. Visit MakingCents to start your journey.

Navy Federal Investment Services12

Map your future with a financial advisor from Navy Federal Investment Services.

Digital Investor

Get started investing. Our simple, yet powerful online tools help you research, buy and track your investments.



Dollar value shown represents the results of the 2023 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.


As of 07/20/2024, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 11.24% APR to 18.00% 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.


Automatic Payments Discount: The discount requires continued enrollment of automatic payments. The borrower authorizes automatic payments from a personal account via Automated Clearing House (ACH). If automatic payments are canceled at any time after enrollment, the rate reduction will not apply until the automatic payments are reinstated. Automatic payments may be suspended during periods of forbearance and deferment. For variable-rate loans, the APR, including the 0.25% rate reduction, may not fall below the floor rate.


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 2023. The 2023 bank industry average data was obtained from the Federal Reserve’s G.19 Consumer Credit data release.



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.


cashRewards credit cards earn 1.75% cash back on net purchases for cardholders with direct deposit at Navy Federal, or 1.5% cash back for cardholders without direct deposit. 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, and ATM cash advance fees. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. To be eligible to receive 1.75% cash back on net purchases with your cashRewards card, you must either currently have direct deposit at Navy Federal or must set up and maintain direct deposit at Navy Federal. Direct deposit is defined as a recurring ACH from your employer, military pay, or certain government agency pay or benefits deposited into your Navy Federal deposit account. You will start earning 1.75% cash back once we confirm you have direct deposit at Navy Federal.


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.


The program is only available for individual home purchases/sales in the contiguous US, Alaska, and Hawaii, excluding Iowa and all employer-sponsored relocations. You are not required to receive financing through Navy Federal Credit Union in order to receive the benefits of this program. 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). Your assigned agent can help you identify any transactions where the cash back would not be available. The amount of your cash back depends on the value of the property you are buying or selling. Obtaining the full $9,000 cash back requires transacting in a property valued at $3 million or greater. To calculate your potential cash-back amount, please visit the RealtyPlus website: The cash-back offer is limited to one cash back 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 be provided in lieu of the cash back. In Kansas and Tennessee, a Mastercard® MAX gift card will be issued with preloaded points that are ready for spending at specified retail establishments after closing. State regulations in Kansas limit the dollar amounts and the type of incentive. In Mississippi, New Jersey, and Oregon, a commission reduction may be available at closing in lieu of cash back. Please check with the program coordinator for details. All real estate commissions are negotiable. Contact RealtyPlus for terms and conditions. Seller listing 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. Program terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply. 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. 


Up to $10 per statement period with Free Easy Checking, Flagship, 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.


Value claim based on Navy Federal's 2023 Member Giveback Study.


Liberty Mutual Insurance is made available to Navy Federal Credit Union members through TruStage™. Auto and Home Insurance Products are issued by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA. © 2023 Liberty Mutual Insurance. In Texas, coverage provided and underwritten by Liberty County Mutual Insurance Company, 7900 Windrose Avenue, Plano, TX 75024. All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. Coverages and features not available in all states. Discounts are not available in all states and discounts vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by Navy Federal Credit Union. Navy Federal Credit Union is in no way responsible for any products or services provided by or through TruStage , Liberty Mutual or their affiliates, subsidiaries, and insurance company partners. Navy Federal Credit Union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC. © TruStage AUT-3851335.2


Non-deposit investments, brokerage, and advisory products are only sold through Navy Federal Investment Services, LLC (NFIS). Digital Investor offered through NFIS. Products are not insured, not obligations of NFCU, and may lose value.

Enterprise® and "Enterprise Rent-A-Car" are registered trademarks of Enterprise Holdings, Inc.