Member Offers & Discounts

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 05/01/2026 and 05/31/2026. 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 2025 by VA. 

Existing Navy Federal auto loans are not eligible for this bonus offer. To qualify for this $250 bonus offer: 1) complete the refinancing of your auto loan from another lender between 05/01/2026 and 06/01/2026; 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 and in Good Standing. (For purposes of this offer, “Good Standing” means the auto refinance loan is not delinquent at the time Navy Federal determines eligibility for the bonus.) Within 15 days of all above requirements being met, the $250 bonus will be deposited into the primary loan applicant’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.

Offer valid as of 05/01/2026. To qualify for the $30 bonus, members must open a new 12-Month EasyStart Share or Special EasyStart Share Certificate between 05/01/2026 and 05/29/2026, set up, and complete a total of 3 or more recurring transfers into the new certificate by 08/31/2026. The recurring transfers must be set up and completed in Digital Banking using the "Start Transfer" feature within "Move Money" and selecting a transfer frequency of weekly, biweekly, or monthly. Primary account holders of 12-Month EasyStart Share or Special EasyStart Share Certificate eligible only. Example: Members who open a 12-Month EasyStart Share or Special EasyStart Share Certificate on 05/01/2026 must complete at least 3 recurring transfers by 08/31/2026 and will receive the $30 bonus by 11/30/2026. Members who open a Special EasyStart Share Certificate at the $3,000 maximum balance are not eligible for the bonus since they are unable to fulfill the recurring transfer requirement.

Exclusions include manual/one-time transfers, IRA and ESA products, renewals into a 12-Month EasyStart Share or Special EasyStart Share Certificate, Navy Federal Business Solutions accounts, and Navy Federal Trust accounts. A minimum opening deposit of $50 is required at account opening. Limit of one $30 bonus per member Access Number will be credited to the primary owner’s membership share savings account by 11/30/2026. EasyStart Share Certificate 3.66% Annual Percentage Yield (APY), 12-month term, effective 04/13/2026. Special EasyStart Share Certificate 4.00% APY, 12-month term, effective 04/13/2026. Penalties apply for early withdrawals from certificate accounts. The new certificate must remain open throughout the time Navy Federal attempts to deposit the bonus. Accounts must be in good standing for credit to be processed. The recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive. Navy Federal does not provide tax advice. Other restrictions may apply. 

Limit one Special EasyStart Certificate per product type per member. Product types include Share, IRA (either Traditional, Roth, or SEP), and ESA. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Additional deposits are allowed at any time subject to the maximum contribution limit. Certificate owner(s) age 18 and older must have direct deposit 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 adjusted to the prevailing dividend rate of the 12-Month EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew and any amount exceeding the $3,000 maximum contribution limit will be transferred to your membership share savings account unless instructed otherwise.

You may qualify for direct deposit if you have (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) mobile deposits, ATM deposits, or branch deposits, payments from the FedNow® Payment network, the Real Time Payment network, or third-party services that facilitate payments to your debit card using the Navy Federal Credit Union Debit Card, totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.

Offer valid 05/01/2026-05/31/2026. To receive this offer, you must join Navy Federal as a new member between 05/01/2026 and 05/31/2026, be 18 years or older, and open a new Free Active Duty Checking account by 05/31/2026. Navy Federal Credit Union employees, contractors, and their immediate family members are not eligible to participate in this promotion. 

To qualify for the $10 bonus credit, you must make 3 qualifying purchases using the Navy Federal Debit Card associated with the new Free Active Duty Checking account within 30 days of account opening. To qualify, purchases must be more than $0 and be made by 06/30/2026. Qualifying purchases do not include gambling or cash-equivalent transactions, such as obtaining cash via a teller or ATM, or the purchase, loading, or reloading of gift and prepaid cards.

Additionally, International Service Assessment (ISA) fees incurred during the month of May 2026 on any Free Active Duty Checking account will be refunded.

All your Navy Federal accounts must be in good standing at the time the bonus credit is processed. If you are otherwise in good standing but have not yet funded your membership savings account at the time the bonus credit is processed, we will hold the minimum $5 share required to establish your membership.

Please allow 10-12 weeks after 06/30/2026 for the credit to be posted to your account and appear in your periodic statement. Limit one $10 bonus credit per member. This offer is not transferable. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the bonus credit. Taxes related to the bonus are the member's responsibility. Navy Federal does not provide tax advice. 

Navy Federal reserves the right to end or modify this offer at any time.

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. 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. 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.

Rewards are subject to change and vary by merchant. Reward types are based on the purchasing credit card. cashRewards, cashRewards Plus, and cashRewards Secured cards receive cash back, Platinum receives a statement credit, and all others receive points. Program excludes Navy Federal Business and Home Equity Credit Cards and Navy Federal Debit Cards.

Dollar value shown reflects the 2025 Navy Federal Member Giveback Study, which considers internal analyses comparing Navy Federal products to industry national averages, and includes dividends earned on savings, lower loan rates, discounts, and other benefits. Individual results will vary.