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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 earn and save an average of $352 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 save thousands off the MSRP (Manufacturer's Suggested Retail Price) on your next new or used car with our Car Buying Service, powered by TrueCar.1

GEICO®

See how much you could save with a special discount on auto insurance.

RealtyPlus®

Get $400 to $8,000 cash back when you buy or sell your home using our RealtyPlus program.2

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

    If you didn’t finance your auto loan with Navy Federal, now is your chance. Refinance with us and get $200. 3 

  • Mortgage Rate Match

    If you find a better rate for your home purchase or refinance, we'll match it! And if we can't, we'll give you $1,000 after closing. 4

  • Operation Earn More

    Start building your savings quickly and easily at market-leading rates with a Special EasyStartSM Certificate.

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.5

Learn More about military loan discounts

VA Home Loans

We offer 100% financing options on loans guaranteed by the Department of Veterans Affairs.6

Learn More about VA loans

Military Choice Home Loans

100% financing option available for Active Duty and veterans.6

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.7

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

Disclosures

1

Between 1/1/20 and 12/31/20, the average savings off the MSRP experienced by consumers who connected with a TrueCar Certified Dealer through a TrueCar-powered auto buying program and who were identified as buying a new vehicle from that Certified Dealer was $3,552. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area, as many vehicles are sold below the MSRP. Each dealer sets its own pricing.

2

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 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.

3

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.

4

A Homebuyers Choice loan of $250,000 for 30 years at 3.750% interest and 4.022% APR will have a monthly payment of $1,157. Taxes and insurance not included; therefore, the actual payment obligation will be greater. All loans subject to credit approval.
Jumbo Loans: Loan amounts greater than $548,250. In AK and HI the Conforming loan limit is $822,375. The Jumbo rates quoted above are for loan amounts above $548,250 up to $1,000,000.

5

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.

6

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. 

7

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.