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Spruce Up Your Finances

Spruce Up Your Finances

Get a fresh start on your money goals with 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 $461Footnote 1 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 see upfront price offers on your next new or used car with our Car Buying Service, powered by TrueCar®.Footnote 2

Liberty Mutual® Auto and Home Insurance

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

RealtyPlus®

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

1Password

Save 50% for up to 3 years on a subscription to 1Password, the easy way to store, manage and use stronger passwords.

Trust & Will

Protect your family's financial well-being with 25% off your customized estate plan. The service is affordable, simple to use and includes the appropriate forms and resources for your state.Footnote 5

SiriusXM®

You could enjoy a 3-Month SiriusXM trial subscription.Footnote 6 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

  • Get $200 With Auto Loan Refi

    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.Footnote 7

  • Get 0.25% APR Off Select Loans

    Looking to get a new car, motorcycle or boat in the near future? Or do you need a personal loan for a big purchase? Active Duty or retired military members can get a special 0.25% APR discount on select loans.Footnote 8

     

     

Military Discounts and 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.Footnote 8

Learn More about military loan discounts

VA Home Loans

We offer 100% financing options on loans guaranteed by the Department of Veterans Affairs.Footnote 9

Learn More about VA loans

Military Choice Home Loans

100% financing option available for Active Duty and Veterans.Footnote 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 can get rewards beyond what you’d get for purchasing in-store or from a retailer’s website.Footnote 11

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 2023 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.

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 to Navy Federal Credit Union members through TruStage™. Auto and Home Insurance Products are issued by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA. © 2024 Liberty Mutual Insurance. In Texas, coverage provided and underwritten by Liberty County Mutual Insurance Company, 7900 Windrose Avenue, Plano, TX 75024. All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. Coverages and features not available in all states. 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 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. Navy Federal Credit Union enables this insurance program to be offered and is entitled to compensation from TruStage Insurance Agency, LLC. © TruStage
AUT-4964941.2-0524-0626

4

The program is only available for individual home purchases/sales in the contiguous US, Alaska, and Hawaii, excluding Iowa and all employer-sponsored relocations. You are not required to receive financing through Navy Federal Credit Union in order to receive the benefits of this program. The cash back is only available with the purchase or sale of your home through the use of a program-referred and -approved real estate agent, and is offered in most states, with the exception of Iowa, Alaska, and Oklahoma, and is not available in certain transactions with restricted agent commissions (including many new constructions, For Sale by Owner, or For Sale by iBuyer transactions). Your assigned agent can help you identify any transactions where the cash back would not be available. The amount of your cash back depends on the value of the property you are buying or selling. Obtaining the full $9,000 cash back requires transacting in a property valued at $3 million or greater. To calculate your potential cash-back amount, please visit the RealtyPlus website: https://navyfederalrealtyplus.com/. The cash-back offer is limited to one cash back per property with no limit on the number 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. In Kansas and Tennessee, a Mastercard® MAX gift card will be issued with preloaded points that are ready for spending at specified retail establishments after closing. State regulations in Kansas limit the dollar amounts and the type of incentive. In Mississippi, New Jersey, and Oregon, a commission reduction may be available at closing in lieu of cash back. Please check with the program coordinator for details. All real estate commissions are negotiable. Contact RealtyPlus for terms and conditions. Seller listing fees apply. This program is offered, in part, by Anywhere Leads Inc., which may receive a co-operative brokerage fee as a result of a referral to any affiliated real estate companies, including Better Homes and Gardens® Real Estate, Coldwell Banker®, Century 21®, ERA® Real Estate, and Corcoran. Program terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply. This is an advertisement and not a solicitation for agent representation if your property is currently listed with an agent. Anywhere Leads Inc., 175 Park Avenue, Madison, NJ 07940. Licensed broker in the state of Texas. Broker license #9009191. 

5

Non-deposit investment and insurance products are offered through Navy Federal Financial Group, LLC, (NFFG) and through its subsidiary, Navy Federal Investment Services, LLC (NFIS), a member of FINRA/SIPC and an SEC-registered investment advisory firm. Brokerage and advisory products are offered through NFIS. These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of the credit union, are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal. Trust and Will documents and services are made available to Navy Federal members through Trust & Will. Navy Federal is in no way responsible for any products or services provided by or through Trust & Will or their affiliates, subsidiaries, and company partners. Navy Federal Financial Group enables this program to be offered and is entitled to compensation from Trust & Will.

6

Activate your trial subscription plus get free activation. Your SiriusXM service will automatically stop at the end of the stated trial subscription term, unless you decide to subscribe. If you decide to continue service, the paid subscription plan you choose will automatically renew and you will be charged the rate in effect at that time, according to your chosen payment method. Fees and taxes apply. Please see SiriusXM's Customer Agreement and Privacy Policy at https://www.siriusxm.com/ for complete terms and how to cancel, which includes online methods or calling SiriusXM at 1-866-635-2349. By registering for a trial subscription, SiriusXM may contact you at the registration information provided with special offers from time to time. You may always change your contact preferences with SiriusXM. All fees, content, and features are subject to change. This offer cannot be combined with any other and may be modified or terminated at any time. Ineligible vehicles include those without factory-installed satellite radio and those with active or recently active SiriusXM subscriptions or trial subscriptions. Trial subscription terms of service subject to change. Satellite and streaming lineups vary.

7

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.

8

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.

9

100% financing subject to all VA rules, guidelines, and additional program requirements. All loans subject to approval. VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.

10

All Choice loans require a 1.00% origination fee, which 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 may be financed up to the maximum allowed loan amount, or the fee may be waived for a 0.375% increase in the interest rate. Purchase loans require no down payment in most states. LTV restrictions apply to refinance and non-primary residence loans. All loans subject to approval. Note: To be eligible for Military Choice, at least one borrower must be Active Duty, reservist, or a Veteran.

11

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.