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Exclusive Offers for ROTC and OCS/OTS Officers and Candidates

Getting off to the right start is important. That’s why we offer ROTC and OCS/OTS officers and candidates a special Career Kickoff Loan and other incentives. Whether you need help setting up your new household, paying for uniforms or covering other expenses, we’re here to help.

Apply in minutes: Call 1-888-842-6328 or stop by a branch.

  • Career Kickoff Loan

    Get  a low 2.99% APR on a 60-month loan of up to $25,000. We’ll even defer your payments until 180 days after your commissioning or 45 days after your loan origination date if you’re already commissioned.1

  • Free Active Duty Checking®

    Get up to $240 a year in ATM fee rebates2, early access to military pay with direct deposit, free military checks and no monthly service fees.3

Frequently Asked Questions

Career Kickoff Loan

The following are eligible to apply:

  • Reserve Officer Training Corps (ROTC) members within 12 months of commissioning or up to 12 months after commissioning;
  • Officer Candidate School (OCS), Officer Training School (OTS), and Navy Select Limited Duty Officer (LDO) members within 4 months of commissioning or within 12 months after commissioning; and
  • Appointed Warrant Officer (WO-1) within 4 months of appointment or within 12 months after appointment 

Servicemembers in all branches of the armed forces are eligible for membership, including ROTC, Officer Candidate, Active Duty and Reservist. Join now to become a member.

You can apply at a local branch or over the phone at 1-888-842-6328.

You’ll need to provide:

  • Program Type (ROTC or OCS/OTS)
  • Branch of Service (Air Force, Army, Coast Guard, Marine Corps or Navy)
  • Graduation Date
  • Requested Loan Amount (up to $25,000)
  • Phone number 
  • Email
  • Proof of Enrollment (for ROTC: Duty Status Verification Form; for OCS/OTS: official orders or signed letter from command)

Yes, you must have direct deposit of military pay set up to your Navy Federal checking account and maintain through the life of the loan. If direct deposit is not maintained, the interest rate on the loan will increase to the prevailing personal loan rate.

We work hard to provide you a decision within 24 hours. If you provided your email address during the application process, we'll send you a follow-up email with more details.

After electronically signing your approved loan, your funds will be deposited into either your savings or checking account.

Yes. Email notifications are sent with directions on how to electronically sign your Promissory Note.

The first payment will be deferred 180 days after commissioning or 45 days from loan closing date if already commissioned.

The money can be used for expenses like buying uniforms, consolidating high-interest debt (credit cards, personal loans, etc.), paying off transition expenses or buying a car. The loan can't be used for educational expenses.

No, you will not need a co-applicant to apply.

Yes, the application is subject to credit approval.


Free Active Duty Checking®

Free Active Duty Checking is designed for Active Duty and retired military personnel and reservists with a DFAS direct deposit. Members ages 18 to 24 in the ROTC or OCS programs are also eligible for the Free Campus Checking account as another option.

Your DFAS direct deposit makes you eligible for Free Active Duty Checking. Your direct deposit must post to your Free Active Duty Checking account within 90 days of account opening. If military direct deposit stops for more than 90 days, the account converts to a Free EveryDay Checking account.

You’ll have early access to your pay, rebates on ATM fees (up to $240 a year) and free personalized checks.

No. There is no monthly service fee associated with Free Active Duty Checking.

No. There is no minimum balance requirement to open the Free Active Duty Checking account.

A qualifying military direct deposit of net pay must post to your Free Active Duty Checking account within 90 days of account opening. If the military direct deposit stops for more than 90 days, the account converts to a Free EveryDay Checking account.

Yes. It's easy to change to a different checking account if you decide to later.

Your Member Benefits

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Resources to Help Take Control of Your Finances

Disclosures

1

Credit subject to approval. The first payment will be due 180 days after the applicant commissions or 45 days after loan origination date if already commissioned. Example: Recently commissioned member takes out a $25,000 loan for 60 months at 2.99% APR. Loan repayment starts 45 days after loan origination and monthly payment is $449.67.  Applicant must establish and maintain a Navy Federal checking account with direct deposit of pay within 90 days of the loan date and throughout the term of the loan. If not maintained, the interest rate on the loan will revert to the prevailing personal loan rate. 

2

Up to $20.00 in ATM fee rebates per statement period.

3

A qualifying military direct deposit of net pay must post to your Free Active Duty Checking account within 90 days of account opening. If the military direct deposit of net pay stops for more than 90 days, the account converts to a Free EveryDay Checking account.