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
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.
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.
Our stateside member reps are here for you 24/7. Reach us online, over the phone or at a branch.Learn More about Exceptional Service
Powerful Products With Great Rates
Get access to excellent member benefits, including competitive rates, superior service and free checking options.Learn More about Powerful Products With Great Rates
Low Fees, Low Charges
Since we're a not-for-profit organization, one of the benefits of membership is that we keep our fees and charges low.Learn More about Low Fees, Low Charges
With multiple ways to bank, you get access to your money the way you want it, when you want it—on your mobile device,* online, in person or at an ATM.Learn More about Convenient Banking
Home Buying Made Easy
We're a top 5 VA lender. If you've used up your VA eligibility, check out our Military Choice Home Loan, a great option for servicemembers and veterans.Learn More about Home Buying Made Easy
Special Offers & Discounts
Enjoy member-exclusive offers and discounts that save you money on auto insurance, car rentals and more.Learn More about Special Offers & Discounts
Membership is a Big Deal
Our members earn and save an average of $251 more per year by banking with us. See how you can take advantage 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.
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. Interest will accrue from the date the loan is disbursed, through the deferment period. Use of released Department of Defense imagery does not constitute product or organizational endorsement of any kind by the Department of Defense. Department of Defense photo. ↵
As of 2/1/2019, rates will be 8.24% 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.
Balance transfer offer: To avoid paying interest after the end of the promotional period on balance transfers and purchases made under this offer, you must make your minimum required payments and pay your entire balance by the end of the 6-month intro period. 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. Navy Federal reserves the right to refuse duplicate balance transfer requests. Maximum total transfer amount is limited to your approved credit line. Balance transfers using convenience checks are excluded from this offer. Excludes Navy Federal Business and Home Equity Line Platinum credit cards. ↵