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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 enjoy a 0% intro APR on purchases and balance transfers for the first 6 months. After that, our lowest variable APR of 6.24% 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 earn and save an average of $352 more 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.



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 06/26/2022, a rate of 6.24% 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 30 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. Rewards expire four years from the month in which they were earned, as long as the account is open.


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