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Offers and Discounts

Offers and Discounts

With your Navy Federal membership, you can open the door to new financial opportunities with these special offers and discounts.

Member Incentives

We have a mission—to put members first by making their financial goals our priority. Here are some member exclusives to help you get the most of your money.

Membership Is a Big Deal

Our members could earn and save $4731 per year by banking with us. See what you can save with no service fees, great rates and other incentives.

Learn More about some of your new membership perks.


As a member, you’re entitled to special discounts on all kinds of products and services. Reward yourself with these specials.

Visa® Special Offers

Get great discounts when you use your card at select retailers.

Car Buying Service

Shop, compare and see up-front price offers on your next new or used car with our Car Buying Service, powered by TrueCar®.2

Liberty Mutual® Auto and Home Insurance

See if you could save with a special discount on auto and home insurance from Liberty Mutual.3


Get $400 to $9,000 cash back when you buy or sell your home using our RealtyPlus program.4


You could enjoy a 3-Month Trial Subscription to SiriusXM’s Platinum Plan. Want more? Active Duty, veterans and their families receive 25% off once their trial ends. See if you’re eligible.

Enterprise Rent-A-Car®

Get a member discount off everyday low rates.

Hertz Car Rental

Save up to 20% on your next car rental with Hertz.

Featured Offers

  • $200 Auto Refi Bonus

    With great auto loan rates, you could save big when you refinance your loan from another lender with us. Plus, you could earn a $200 bonus if your refinance loan is at least $5,000.5

  • Bonus Cash Back

    Open a Navy Federal cashRewards credit card, and you could earn $250 bonus cash back when you spend $3,000 within 90 days of account opening.7

Military Specials

Whether you’re a seasoned servicemember or a new recruit, we value your service. We’re dedicated to offering extra-low rates, loan discounts and other products and resources to lighten your load while complementing your busy military life.

Free Active Duty Checking®

Get up to $20 in ATM fee rebates, free military checks and early access to military pay with qualifying military direct deposit.

Learn More about Active Duty Checking

Loan Discounts

Active Duty and retired military members with direct deposit can get a 0.25% APR discount on select loans.8

Learn More about military loan discounts

VA Home Loans

To help you make the most of every benefit you've earned—like VA loans—we've lowered our VA mortgage rates by .250%.9

Learn More about VA loans

Military Choice Home Loans

100% financing option available for Active Duty and veterans.10

Learn More about Military Choice loans

Service Academy Offers

If you're a junior or senior attending a service academy, we've got great rates and exclusive offers just for you.

Learn More about offers for new recruits

Navigate 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 resources to help with military life

Exclusive Deals From Your
Favorite Stores

When you use your Navy Federal Credit Card to shop our online Member Deals, you’ll get rewards beyond what you’d get for purchasing in-store or from a retailer’s website.11

Learn More about using your Navy Federal Credit Card to shop our online Member Deals

Exclusive Deals From Your
Favorite Stores

When you use your Navy Federal Credit Card to shop our online Member Deals, you’ll get rewards beyond what you’d get for purchasing in-store or from a retailer’s website.11

Learn More about using your Navy Federal Credit Card to shop our online Member Deals



Dollar value shown represents the results of the 2022 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 member discounts, incentives, and other savings.


TrueCar operates the Navy Federal Car Buying Service. Navy Federal is not responsible for any purchase, lease or service provided by or through the Navy Federal Car Buying Service.


Liberty Mutual Insurance is made available through the TruStage® Auto & Home Insurance Program. TruStage Auto & Home Insurance Program is made available through TruStage Insurance Agency, LLC. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA. © 2022 Liberty Mutual Insurance. Discounts are not available in all states, and discounts vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by Navy Federal Credit Union. Navy Federal Credit Union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC. Navy Federal Credit Union is in no way responsible for any products or services provided by or through TruStage, Liberty Mutual or their affiliates, subsidiaries, and insurance company partners.

© TruStage Insurance Agency 2022



The cash-back bonus is offered in most states and is available for individual sales and purchases of property; offer limited to one cash-back bonus per property with no limit on the amount of times you may use the program. In some states, a gift card or commission credit at closing may be provided in lieu of the cash-back bonus. The program is not available in IA or outside the U.S. Cash-back bonus is not available in AK or OK. In KS and TN, a gift card with preloaded points that are ready for spending at specified retail establishments after closing will be issued. State regulations in KS limit the dollar amounts and the type of incentive. In MS, NJ, and OR, a commission reduction may be available at closing. Please check with the program coordinator for details. This is not a solicitation if you are already represented by a real estate broker. The cash-back bonus is only available with the purchase or sale of your home through the use of a program-referred and -approved real estate agent. The size of your cash-back award depends on the value of the property you are buying or selling. Obtaining the full $9,000 cash-back award requires transacting in a property valued at $3 million or greater. To calculate the size of your potential cash back, please visit All real estate transactions are negotiable. Contact RealtyPlus for terms and conditions. Standard listing fees apply. The program award is not available in certain transactions with restricted agent commissions (including many new construction, For Sale by Owner, or For Sale by iBuyer transactions). Your assigned agent can help you identify any transactions where the award would not be available. This program is offered, in part, by Realogy Lead Management Services, Inc. d/b/a Realogy Leads Group (RLG). RLG may receive a co-operative brokerage fee as a result of a referral to the real estate companies listed above. Program terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply.


Credit and collateral subject to approval. Existing Navy Federal loans are not eligible for this offer. Auto refinance loan must be at least $5,000. Loan must be open for at least 60 days with first scheduled payment made to be eligible for the $200, which will be credited to the primary applicant’s savings account between 61 and 65 days of the loan origination date. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive.


Offer valid 5/1/2023-6/1/2023. To qualify for the $30 bonus, members must open a new 12-Month EasyStart Share or Special EasyStart Share Certificate between 5/1/23 and 6/1/23 and complete a total of three (3) automatic transfers by 8/31/2023. Primary account holders only. Primary certificate holder must be at least 18 years of age. Share certificates only. IRA and ESA products are not eligible. Navy Federal Business Solutions products are not eligible. A minimum opening deposit of $50 is required at account opening. The qualifying $30 bonus will be credited to the primary owner’s share savings account by 9/30/2023. Example: Members who open a 12-Month EasyStart Share or Special EasyStart Share Certificate on 5/1/2023 must complete at least three (3) automatic transfers by 8/31/2023 and will receive the $30 bonus by 9/30/2023. Members who open a Special EasyStart Share Certificate at the $3,000 maximum balance are not eligible for the bonus since they are unable to fulfill the automatic transfer requirement. Penalties apply for early withdrawals from the certificate, including any earned dividends. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the dividend. Taxes related to the bonus are the member’s responsibility. Navy Federal does not provide tax advice. Limit one $30 EasyStart Certificate bonus per member access number. EasyStart Certificate Annual Percentage Yield (APY), 12-month term 4.35%, effective 3/6/2023. Special EasyStart Certificate 4.85% APY, 12-month term, effective 3/6/2023. Other restrictions may apply.


Offer valid for cardholders issued new cashRewards credit card accounts. To be eligible for the $250 cash back, you must make $3,000 or more in net purchases within 90 days of account opening. 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, ATM cash advance fees, and annual fees, if any. 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. Please allow up to 8 weeks after the 90-day period for the $250 to post to your rewards balance. Account must be open and not in default at the time the $250 is scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 05/1/2023 and 08/31/2023. Navy Federal reserves the right to change or end this offer at any time without notice.


Direct deposit required. This military special may expire at any time. Applicants must contact Navy Federal by phone or visit a branch to receive the discount. Active Duty rate discounts (which are also available for retired military members) can be applied, subject to certain restrictions.


NFCU reserves the right to change or discontinue products, promotions, rates, terms, and benefits at any time without notice.


All Choice loan rates quoted above require a 1.00% loan origination fee. The origination fee may be waived for a 0.25% increase in the interest rate. All Choice loans are subject to a funding fee of 1.75% of the loan amount. This funding fee can be financed into the loan up to a maximum of 101.75% LTV, or the fee can be waived for a 0.375% increase in the interest rate. Purchase loans require no down payment. LTV restrictions apply to refinance loans. Note: To be eligible for Military Choice, at least one borrower must be Active Duty or a veteran.


Rewards are subject to change and vary by merchant. Reward types are based on the purchasing credit card. cashRewards receives cash back, Platinum receives a statement credit, and all others receive points. Program excludes Navy Federal business and Home Equity Line Visa® Platinum credit cards and Navy Federal Debit Cards.