To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

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 an average of $3491 more per year by banking with us. See what you can save with no service fees, low 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®.

Liberty Mutual® Auto Insurance

See if you could save with a special discount on auto insurance.2

RealtyPlus®

Get $400 to $9,000 cash back when you buy or sell your home using our RealtyPlus program.3

SiriusXM®

Get 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

  • Auto Loan Refinance

    Refi your auto loan from another lender with us and see if you could save. Plus, you could get $200 if your loan is $5,000 or greater.4

  • cashRewards Card

    Get our cashRewards credit card, and you could save on interest with a 1.99% intro APR on purchases for 6 months after account opening. After that, a variable APR between 11.15% and 18% applies.5 Plus, you could earn a $100 cash-back bonus when you spend $2,000 within 90 days of account opening.6

  • EasyStart Certificate

    Start saving money quickly and easily with market-leading rates1 and as little as $50. Plus, add money to it whenever you want and watch it grow.

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.

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.7

Learn More about military loan discounts

VA Home Loans

We offer 100% financing options on loans guaranteed by the Department of Veterans Affairs.8

Learn More about VA loans

Military Choice Home Loans

100% financing option available for Active Duty and veterans.9

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.10

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

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-3890383.3-0522-0624

3

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 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.

4

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.

5

As of 08/07/2022, rates range from 11.15% 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.

6

Offer valid for cardholders issued new cashRewards credit card accounts. To be eligible for the $100 cash back, you must make $2,000 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 to post to your rewards balance. Account must be open and not in default at the time the 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 7/1/2022 and 10/31/2022. Navy Federal reserves the right to change or end this offer at any time without notice.

7

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.

8

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. 

9

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.

10

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.