On Average, Our Members Earn and Save1

$361 More 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

Rate Reductions

0.25% Interest Rate Reduction

Receive a 0.25% interest rate reduction on these products when you sign up for automatic payments:

Credit Cards

5% Lower Average APR Than Industry Average

Our credit card APR is 5% lower than the industry average and capped at 18%.5


100% Financing Options

Low mortgage rates and no-money-down 100% financing options.6

Earn Cash Back

Credit Card Cash Back

Get 1.5% Cash Back7

Get 1.5% cash back on everyday spending with cashRewards. If you spend $10,000, that’s $150 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 and Savings

Get $200 Cash Back and Save More

Earn $2008 for refinancing your auto loan from another financial institution. Our members save, on average, $84 per month by refinancing their auto loan with Navy Federal. That’s more than $1,000 per year in savings.9


Get Up to $8,000 When You Buy or Sell10

Get $400 to $8,000 cash back when you buy or sell your home with RealtyPlus.

ATM Fee Rebates

Get Up to $240 Per Year

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

Grow Your Savings

Savings Rate

2X the Industry Average

Our market-leading regular savings rate is more than twice the industry average.


Market-Leading Certificates

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 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 Financial Group12

Map your future with a financial advisor from Navy Federal Financial Group.

Digital Investor

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

Credit Card Offer

Get 1.5% cash back on everyday spending with cashRewards. If you spend $10,000, that’s $150 back in your pocket.

Learn More about cashRewards


1 Dollar value shown represents the results of the 2019 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.

2 For all Navy Federal Credit Cards: As of 5/1/20, rates range from 5.99% 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.

3 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 automated 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, which is 2.99% for Navy Federal Student Loans and 1.43% for Navy Federal Student Refinance Loans or Navy Federal Parent Refinance Loans.

4 Rate discount is applied after your application is accepted. Discount is available for new Fixed Equity Loan and Home Equity Line of Credit applications. You must set up and maintain monthly recurring automatic payments from your Navy Federal checking account for the life of the loan; otherwise, the 0.25% rate discount will be removed, and your loan will revert to the original note rate. The minimum APR that can apply during the Home Equity Line of Credit plan is 3.99%. Offer must be accepted prior to loan closing, and is subject to change or cancellation without notice.

5 Credit card value claim based on an internal comparative analysis of the average credit card industry APR to the Navy Federal average APR in 2019. The 2019 industry average data was obtained from creditcards.com.

6 Product features subject to approval. Available for purchase loans only. Loans are subject to an additional funding fee, which may be financed up to the max loan amount.

7 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, 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, Visa® Buxx Cards, GO Prepaid Cards and other cash equivalent gift cards), may not be eligible purchase transactions and may not earn rewards.

8 Existing Navy Federal loans are not eligible for this offer. Refinanced loan must be at least $5,000 to be eligible for the $200. You must make your first scheduled payment in order to receive this offer. $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. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive.

9 Monthly payment savings is based on average reduction in monthly payments our members experienced with their new auto loan booked between January and April 2020 compared to their prior loan payments with another lender. The average monthly savings calculation is based on original loan information provided by the member and loan information we received from a credit reporting agency, and does not include data from members who chose to reduce the number of remaining payments on their auto loan. Monthly payment reduction may result from a lower interest rate, a longer term, or both. Your actual savings may be different.

10 The cash-back bonus is offered in most states and is available for individual sales and purchases of property; offer limited to one cash-back bonus per property with no limit on the amount 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 bonus. The program is not available in IA or outside the U.S. Cash-back bonus is not available in AK, LA or OK. In KS and TN, a gift card with preloaded points that are ready for spending at specified retail establishments after closing will be issued. State regulations in KS limit the dollar amounts and the type of incentive. In MS, NJ, and OR, a commission reduction may be available at closing. Please check with the program coordinator for details. This is not a solicitation if you are already represented by a real estate broker. The cash-back bonus is only available with the purchase or sale of your home through the use of a program-referred and -approved real estate agent. The size of your cash-back award depends on the value of the property you are buying or selling. Obtaining the full $8,000 cash-back award requires transacting in a property valued at $1.75 million or greater. To calculate the size of your potential cash back, please visit navyfederal.org/realtyplus. All real estate transactions are negotiable. Contact RealtyPlus for terms and conditions. Standard listing fees apply.

11 Some discounts, coverages, payment plans, and features are not available in all states or in all GEICO companies. GEICO contracts with various membership entities and other organizations, but these entities do not underwrite the offered insurance products. GEICO may not be involved in a formal relationship with each organization; however, you still may qualify for a special discount based on your membership, employment or affiliation with those organizations. Discount amount varies in some states. One group discount applicable per policy. In New York, a premium reduction is available. Coverage is individual. In return for this endorsement, Navy Federal Credit Union does receive some compensation. All program expenses are paid by GEICO. Insurance products are not federally insured, are not obligations of the credit union, and are not guaranteed by the credit union or any affiliated entity. Motorcycle and ATV coverages are underwritten by GEICO Indemnity Company. Motorcycle insurance is not available in all states. Overseas insurance is provided through International Insurance Underwriters, representing AIG Europe and AIG Limited.
GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary.

12 Not NCUA or federally insured, no credit union guarantee, and may lose value.

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