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
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 5.99% 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
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
Your Membership Is a Big Deal
Our members earn and save an average of $361 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 Credit subject to approval. ↵
2 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. ↵
3 As of 5/1/2020, a rate of 5.99% 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. ↵
4 Rewards are only 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. For more information, view the GO REWARDS Program Description Guide at navyfederal.org. ↵
5 Up to $20.00 in ATM fee rebates per statement period. ↵