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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 $3491 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.

Discounts

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 get 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

RealtyPlus®

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

SiriusXM®

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 Bonus Auto Refinance Offer

    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 cashRewards credit card, and you could save with a 1.99% intro APR for 12 months from account opening on balances transferred within 60 days. After that, a variable APR between 13.90% and 18% applies.6 Plus, you could earn $100 cash back when you spend $1,000 within the first 90 days.7

  • Earn 5.00% APY on a 15-Month Certificate

    Get our highest rate in 10 years when you open a Special 15-Month Certificate with as little as $50. Add money anytime up to the max of $250,000 and reach your savings goals faster with great returns!8

     

     

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.9

Learn More about military loan discounts

VA Home Loans

We offer 100% financing options on loans guaranteed by the Department of Veterans Affairs.10

Learn More about VA loans

Military Choice Home Loans

100% financing option available for Active Duty and veterans.11

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.12

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

Disclosures

1

Dollar value shown represents the results of the 2021 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 discounts, incentives, and other savings.

2

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

3

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 AUT-4964941.1-0922-1024

4

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 the RealtyPlus website: https://realestateperk.com/RealtyPlus/. 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.

5

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.

6

As of 02/06/2023, rates range from 13.90% APR to 18.00% APR, are based on creditworthiness, 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: Application must be submitted by 02/28/23. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from 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 or purchases under this offer, in full each month by the payment due date. Navy Federal reserves the right to change or end this offer at any time without notice. Limit of one promotional offer at account opening.

7

Offer valid for cardholders issued new cashRewards credit card accounts. To be eligible for the $100 bonus cash back, you must make $1,000 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, 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. Please allow up to eight weeks after the 90-day period for the $100 bonus cash back to post to your rewards balance. Account must be open and not in default at the time the $100 bonus cash back is scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 1/3/2023 and 2/28/2023. Navy Federal reserves the right to change or end this offer at any time without notice.

8

Limit one Special 15-Month Certificate (Share Only) per member. This offer, including the stated Annual Percentage Yield (APY), is effective as of January 9, 2023. Navy Federal reserves the right to end or modify this offer at any time. Excludes IRA and ESA certificates. The Special 15-Month Certificate (Share Only) has a $50 minimum balance and a $250,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Dividends earned are not included in the maximum balance allowed. Once the promotional rate is applied to a purchased certificate, it will remain in effect for the length of the product term. Penalties apply for early withdrawals from certificate accounts. Other restrictions may apply.

9

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.

10

Product features subject to approval. Available for purchase loans only. Loans are subject to an additional funding fee, which may be financed up to the maximum loan amount. 

11

All Choice loans 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.

12

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.