Member Offers & Discounts

Offer valid for members who apply for a new Flagship Premier Visa Signature® account between 9/10/2026 and 1/3/2027 and are approved. To earn the 50,000 bonus points, you must make at least $4,000 in eligible purchases within 90 days of account opening. Eligible purchases include purchases of goods and services, minus returns and credits, and exclude fees, interest, balance transfers, gambling, convenience checks, cash advances, and cash-equivalent transactions (e.g., money orders, gift cards, prepaid cards, person-to-person money transfers, purchases from securities broker-dealers, including prediction markets). Bonus points post within 8 weeks after the 90-day period. Your account must be open and not in default at the time the bonus is scheduled to post. Limit of one promotional offer at account opening. Offer may change or end without notice.

Existing Navy Federal auto loans are not eligible for this offer. To qualify for this $250 bonus offer: 1) complete the refinancing of your auto loan from another lender between 11/01/2026 and 01/31/2027; 2) the refinance loan amount must be $5,000 or more; and 3) the auto refinance loan must be open for at least 90 days. Within 15 days of all above requirements being met, the $250 bonus will be deposited into the primary borrower's savings account. Offer may not be combined with other auto refinance incentives. Recipient is solely responsible for any personal tax liability arising out of this incentive.

The $250 bonus offer is valid for qualifying members. Limit of one bonus per member. To qualify, members must apply for a Student, Parent, or Medical Professional Refinance Loan between 11/1/2026 and 11/30/2026, and the loan must be disbursed by 2/1/2027. The $250 bonus will be deposited into the primary borrower’s savings account within 30 business days after the loan is disbursed. The primary borrower must have an open and active savings account when the bonus is scheduled to be deposited. Any tax liability related to this bonus is the recipient's responsibility.

Navy Federal Credit Union reserves the right to change or discontinue products, promotions, rates, terms, and benefits at any time without notice. Rates include a discount of 0.25% and must be locked between 11/1/2026 and 11/30/2026. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.

Navy Federal Credit Union was a top 10 VA Lender by overall volume and total loan amount in 2026 by VA. 

One limited-time incentive is available for each eligible relationship. An eligible relationship consists of all borrowers satisfying Navy Federal membership requirements and exists only if at least one borrower is a first-time homebuyer who has not owned a residential property within the past 3 years and the Navy Federal purchase mortgage loan closes between 10/1/2026 and 12/31/2026. For loans with multiple borrowers, the incentive will be awarded to the primary borrower. Once approved, Navy Federal will deposit a one-time $1,000 incentive into the primary borrower's Navy Federal Share Savings account no later than 60 days following the promotional period end date of 12/31/2026. Recipients are responsible for any tax liability resulting from this incentive. This offer is not a commitment to lend or a guarantee of mortgage loan approval. This offer cannot be combined with other Navy Federal promotional incentives or credits, except No-Cost Freedom Lock, Guaranteed Rate Match, and the Veterans Appreciation Month VA loan rate reduction promotion. Eligibility for the Veterans Appreciation Month promotion is determined separately and remains subject to that promotion's terms and conditions. Navy Federal reserves the right to modify or discontinue promotions, terms, and benefits at any time without notice.

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.

This program is only available for individual home purchases and sales in the contiguous U.S., Alaska, and Hawaii, excluding Iowa and employer-sponsored relocations. Financing through Navy Federal is not required to receive program benefits. 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, or where a minimum transaction side commission is not paid). Your agent can confirm which transactions are eligible. Cash-back amount depends on property value. Obtaining the full $9,000 requires a $3 million or greater transaction. Calculate your amount at navyfederalrealtyplus.com. One cash-back offer 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 replace cash back. 

In Kansas and Tennessee, a Mastercard® MAX gift card is provided with preloaded points and ready for use at specified retail establishments after closing. A commission reduction may be available in Mississippi, New Jersey, and Oregon instead of cash back. All real estate commissions are negotiable, and real estate broker 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. Please check with the RealtyPlus program coordinator for full details, as program restrictions, terms, and conditions apply and are subject to change at any time without notice. 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.

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.

You are not required to receive financing or financial products through Navy Federal in order to receive the benefits of this program.

Direct deposit is 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.

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.

To be eligible for the Military Choice loan, at least one borrower must be Active Duty, Reservist, or a Veteran. Product features subject to approval. All Choice loans require a 1% 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, which may be financed up to the maximum allowed loan amount. A funding fee may be waived for a 0.375% increase in the interest rate or with a 3% down payment. Purchase loans require no down payment in most states. LTV restrictions apply to refinance and non-primary residence loans. One active Choice loan is permitted per member. All loans subject to approval.

Navy Federal Financial Group, LLC (NFFG) is a licensed insurance agency. Non-deposit investments, brokerage, and advisory products are only sold through Navy Federal Investment Services, LLC (NFIS), a member of FINRA/SIPC and an SEC-registered investment advisory firm. NFIS is a wholly owned subsidiary of NFFG. Insurance products are offered through NFFG and NFIS. These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of Navy Federal Credit Union (NFCU), are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal. Deposit products and related services are provided by NFCU. Digital Investor offered through NFIS. Financial advisors are employees of NFFG, and they are employees and registered representatives of NFIS. NFIS and NFFG are affiliated companies under the common control of NFCU. Call 1-877-221-8108 for further information.

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.