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The Right Start for Your Finances

The Right Start for Your Finances

Our exclusive offers and low 1.25% APR1 on Career Kickoff loans can help you reach your goals.

Great Rates and Rewards

Building a strong financial foundation is important. That’s why we offer juniors and seniors attending a service academy special rates and incentives. It’s easy to get started.

Your Exclusive Offers

You can apply in minutes by visiting a branch or calling 1-888-842-6328.

  • Career Kickoff Loan

    If you need a loan to get started, we offer a low 1.25% APR on a 60-month loan of up to $32,000. We’ll even defer your payments until 90 days after your commissioning.2

  • GO REWARDS® Credit Card

    Open a GO REWARDS card and you could enjoy a 0% intro APR for 6 months from account opening on purchases, and balance transfers made within 60 days. After that, our lowest variable APR of 10.24% will apply.3  Plus, you'll earn 2X the points on all your purchases, which you can redeem for cash, gift cards, merchandise, travel and more.4

  • Free Active Duty Checking®

    Get up to $240 a year in ATM fee rebates,5 free military checks and early access to military pay with direct deposit.

Your Member Benefits

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.

Membership Is a Big Deal

Our members could earn and save $3496 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.

Navigating Life in the Military

From transitioning into and out of military life, to being deployed and living overseas, your life is unique. Here are some resources to help you out, no matter where you are.

Learn More about our commitment to military life.

We Serve Where You Serve

Finding a nearby branch or no-fee ATM couldn’t be easier. Use our locator tool to find one close to you.

Learn More about our branch locator tool to find one near you.

Career Kickoff Loan FAQs

Juniors and seniors currently attending the following military academies—and who are Navy Federal members—are eligible to apply:

  • U.S. Air Force Academy
  • U.S. Coast Guard Academy
  • U.S. Merchant Marine Academy
  • U.S. Military Academy at West Point
  • U.S. Naval Academy

Applicants must be Navy Federal members. If you're not already a member, you can join today! Please note, the Career Kickoff Loan is only available to current students—not graduates.

Use one of the following options to apply:

You’ll need to provide:

  • Branch of Service (Air Force, Army, Coast Guard, Marine Corps or Navy)
  • Graduation Date
  • Requested Loan Amount (up to $32,000)
  • Phone Number 
  • Email
  • Proof of Enrollment (signed letter from Command)

Bring your Proof of Enrollment to your local branch or submit it online via our Document Upload Portal by following these steps:

  • Sign in
  • Choose Proof of Enrollment
  • Select "Career Kickoff Documents" as the file type
  • Click Submit


Yes, you must have direct deposit to your Navy Federal checking account set up for your military pay. This must be maintained throughout the life of the loan.

We'll try to provide you a decision within 24 hours. If you provided your email address during the application process, we'll send you a follow-up email with more details.

Yes. Email notifications are sent with directions on how to electronically sign your Promissory Note.

Your funds will be deposited into either your Navy Federal savings or checking account.

You won't have to make your first payment until 90 days after you get commissioned.

The money can be used for expenses such as buying uniforms, consolidating high-interest debt (credit cards, personal loans, etc.), paying off transition expenses or buying a car. 

No, you won't need a co-applicant to apply.

Yes, the application is subject to credit approval.

Free Active Duty Checking® FAQs

Free Active Duty Checking is designed for Active Duty and retired military personnel and reservists with a Defense Finance Accounting Service (DFAS) direct deposit. However, if you're a member between the ages of 18 and 24 and in the ROTC or OCS programs, the Free Campus Checking account is a great option to use until you enlist.

Your DFAS direct deposit makes you eligible for Free Active Duty Checking. Your direct deposit must post to your Free Active Duty Checking account within 90 days of account opening. If military direct deposit stops for more than 90 days, the account converts to a Free EveryDay Checking account.

You’ll have early access to your pay, rebates on ATM fees (up to $240 a year), no monthly service fees and free personalized checks.

No. There's no monthly service fee associated with Free Active Duty Checking.

No. There's no minimum balance requirement to open the Free Active Duty Checking account.

A qualifying military direct deposit of net pay must post to your Free Active Duty Checking account within 90 days of account opening. If the military direct deposit stops for more than 90 days, the account simply converts to a Free EveryDay Checking account.

Yes. It's easy to change to a different checking account.



Credit subject to approval.


Repayment may be deferred up to 3 months after graduation. The maximum loan amount after a 3-month period deferment would be $32,799. A loan of $32,799 for 60 months at 1.25% APR would have a monthly payment of $564.97.


 As of 03/01/2023, a rate of 10.24% APR will apply and 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. Balance transfer offer: Offer valid for balance transfers from non-Navy Federal credit cards requested within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your approved credit line. Balance transfers using convenience checks are excluded from this offer. Limit of one promotional offer at account opening. Navy Federal reserves the right to end or modify this offer at any time. 


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. Rewards expire 4 years after they are earned, as long as the account is open.


Up to $20.00 in ATM fee rebates per statement period.


Based on the results of the 2021 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 discounts, incentives, and other savings.