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.
As a member, you’re entitled to special discounts on all kinds of products and services. Reward yourself with these specials.
Start building your savings quickly and easily at market-leading rates with a Special EasyStartSM Certificate.
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.
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.
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.7
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, LA 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 $8,000 cash-back award requires transacting in a property valued at $1.75 million or greater. To calculate the size of your potential cash back, please visit navyfederal.org/realtyplus. All real estate transactions are negotiable. Contact RealtyPlus for terms and conditions. Standard listing fees apply.↵
Existing Navy Federal loans are not eligible for this offer. Refinanced loan must be at least $5,000 to be eligible for the $200. You must make your first scheduled payment in order to receive this offer. $200 will be credited to the primary applicant’s savings account between 61 and 65 days of the loan origination date. If the auto refinance loan is canceled or paid off in the first 60 days, the $200 offer will become invalid. Offer may end at any time. Recipient is solely responsible for any personal tax liability arising out of this incentive.↵
A Homebuyers Choice loan of $250,000 for 30 years at 3.500% interest and 3.768% APR will have a monthly payment of $1,122.61.
Taxes and insurance not included; therefore, the actual payment obligation will be greater.
Jumbo Loans: Loan amounts greater than $548,250. In AK, HI, Guam and the Virgin Islands, the Conforming loan limit is $822,375. The Jumbo rates quoted above are for loan amounts above $548,250 up to $2,000,000.
Limit one Special EasyStart Certificate per member. Navy Federal reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay or payroll allotment and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Special EasyStart Certificate dividend rate will be reduced to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate’s term.↵
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.↵
May include an additional funding fee, which may be financed up to the maximum loan amount. Product features are subject to approval.↵
Program excludes Navy Federal Business and Home Equity Line Visa® Platinum credit cards and Navy Federal Debit Cards. Rewards are subject to change and vary by merchant. Reward types will be based on the member's purchasing credit card. cashRewards cardholders will receive cash back. Platinum cardholders will receive a statement credit, and all others will receive points.↵
Some discounts, coverages, payment plans, and features are not available in all states or in all GEICO companies. GEICO contracts with various membership entities and other organizations, but these entities do not underwrite the offered insurance products. GEICO may not be involved in a formal relationship with each organization; however, you still may qualify for a special discount based on your membership, employment or affiliation with those organizations. Discount amount varies in some states. One group discount applicable per policy. In New York, a premium reduction is available. Coverage is individual. In return for this endorsement, Navy Federal Credit Union does receive some compensation. All program expenses are paid by GEICO. Insurance products are not federally insured, are not obligations of the credit union, and are not guaranteed by the credit union or any affiliated entity. Motorcycle and ATV coverages are underwritten by GEICO Indemnity Company. Motorcycle insurance is not available in all states. Overseas insurance is provided through International Insurance Underwriters, representing AIG Europe and AIG Limited.
GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary.