Start Out on the Right Foot

We’re offering great rates and rewards to juniors and seniors attending a service academy, ROTC cadets and recruits in the Delayed Entry Program (DEP). It’s easy to get started—take advantage of the exclusive offers below.

Exclusive Service Academy Offers

  • Career Kickoff Loan

    For academy cadets and midshipmen, we’re offering 1.25% APR1 on a 60-month loan of up to $32,000. We’ll even defer your payments until 90 days after commissioning.2 Visit your academy branch to apply.

  • GO REWARDS® Credit Card

    Our GO REWARDS card is great for anyone with a fast-paced lifestyle, and now we’re offering cadets and midshipmen a 0% intro APR on purchases and balance transfers for the first 6 months. After that, our lowest variable APR of 7.49% will apply.3  Visit your academy branch to apply.

  • Active Duty Checking®

    Get up to $20 in ATM fee rebates, free military checks and early access to military pay with direct deposit. Visit your academy branch to apply.

Exclusive ROTC/DEP Offer

If you're an ROTC cadet or recruit in the Delayed Entry Program (DEP), enter code ROTCNFCU or DEPNFCU when you join online, and we'll make your initial $5 membership deposit for you. We'll also expedite the delivery of your debit card.

Join to become a member and take advantage of special offers and discounts.

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 $289 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.


1 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.

2 Repayment deferred until after graduation.

3 As of December 2nd, 2019, rates start at 7.49% APR 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. Offers exclude Navy Federal credit cards. 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. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance (including any transferred balances) in full each month by the payment due date. Offer can expire at any time without prior notice.