Credit Union Membership for Veterans

Offer valid 10/1/2026-12/31/2026 and can expire anytime without prior notice. Must be 18 years of age or older. To qualify for the $400 bonus, complete each of the following items: 1) Join Navy Federal online, in branch, or by phone using promo code CHK26VLP between 10/1/2026 and 12/31/2026, 2) Open a checking account (as primary owner) by 12/31/2026, AND 3) Complete qualifying direct deposit transactions, as defined below, by 4/30/2027. Offer not valid for existing members or applicants whose Membership Share Savings account was closed within 270 days prior to establishing new membership. Navy Federal membership is open to members of the Coast Guard, all Department of Defense uniformed personnel, reservists, Active Duty, retired, Veterans, Army and Air National Guard, DoD civilian employees, contractors, and their immediate family. $5 minimum balance is required to open and maintain Membership Savings Account and to obtain bonus. If you have not funded your new Membership Savings Account at the time the bonus is credited, we will hold the minimum $5 share required for your membership. Membership Savings Account Annual Percentage Yield (APY) is 0.25%. Checking account APY vary depending on the checking account selected. For example, our Free Easy Checking account earns a 0.05% APY. Or, earn a 0.01% APY on a Free EveryDay Checking account. APYs accurate as of 8/14/2026. Fees may reduce earnings, and rates may change. Other restrictions may apply. Bonus will be deposited to the new member’s Membership Savings Account by 7/30/2027. Membership Savings Account must be open and in good standing for credit to be processed. Offer exclusions: Navy Federal Business Solutions accounts and Navy Federal Trust accounts. Applicants opening membership by phone must electronically accept the Membership Application Terms & Conditions to qualify for this offer. Applicants opening membership in branch have the option to accept the Membership Application Terms & Conditions electronically or receive physical disclosures to qualify for this offer. Limit 1 $400 bonus per member. New member must be the primary account owner of the checking account to qualify. Checking account must remain open and with a positive balance at the time of bonus crediting. It may take up to 120 days to confirm your direct deposit establishment. Recipient is solely responsible for any personal tax liability resulting from the acceptance of this bonus. Navy Federal does not provide tax advice.

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, branch deposits, or 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 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.

Flagship Premier Visa Signature® Credit Cards earn 4 points for every $1 of eligible purchases made on travel, 3 points for every $1 of eligible purchases made at restaurants (dining), and 1 point for every $1 of other eligible purchases. 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). Merchants are assigned codes by payment networks based on what they primarily sell. We rely on this information to identify travel and restaurant purchases. Travel is typically coded as airline, hotel, car rental, bus lines, taxis, cruise lines, time shares, parking, rideshare, and transit. A travel or restaurant purchase may only earn 1 point per dollar spent, depending on the code used to process the transaction. If the purchase is not identified as a travel or restaurant purchase, it will receive 1 point per dollar spent. For example, purchases made at restaurants within another establishment (e.g., casino, grocery store, event venue) may not be assigned a restaurant code, which means they will only receive 1 point per dollar spent. For more information, view the Program Description for the Flagship Premier Card.

Receive a $100 statement credit each year after you spend a total of $100 or more on eligible airline purchases using your Flagship Premier Visa Signature® Card. Your eligibility for the credit begins on the date your account is opened and renews each year on that date. This date appears in the Member Since field under My Profile in the Navy Federal Rewards Center. Any unused credit will not carry over to the next year. The $100 spending requirement may be met through a single purchase or multiple purchases totaling at least $100. Merchants are assigned codes by payment networks based on what a business primarily sells. Only purchases coded as airlines or air carriers qualify as eligible airline purchases and will count toward the required $100 or more to earn the statement credit. Charter or private jet flights do not qualify. After the $100 in eligible airline purchases posts to your account, it may take 6-8 weeks for the statement credit to appear. The statement credit may not be posted or may be reversed if the purchase(s) is/are canceled, modified, or returned. Your account must be open and not in default when the statement credit is scheduled to post to your account. Only the primary cardholder is eligible for this credit. Purchases made by authorized users do count toward the $100 spending requirement. Navy Federal may modify or end this offer at any time without notice.

Receive up to $120 in statement credits for Global Entry or TSA Pre✓® charges that are processed after the Global Entry program application fee or TSA Pre✓® application fee is charged to your Flagship Premier Visa Signature® Card. Flagship Premier Visa Signature® Cardholders are entitled to up to $120 in statement credits per eligible Flagship Premier Visa Signature® Credit Card number every 4 years per Global Entry or TSA Pre✓® program. The 4-year period is based on the date of the first qualified transaction. Statement credits are applied to application fee charges made on or after account opening. Please allow 6-8 weeks after the applicable program application fee is charged for the statement credit(s) to post to your account. Cardholders are responsible for payment of all charges until the statement credit(s) post(s) to their account. Visa® and Navy Federal Credit Union reserve the right to modify or cancel this offer at any time and without notice. Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). TSA Pre✓® is an expedited airport security program operated by the U.S. Transportation Security Administration (TSA) that allows low-risk travelers within the United States to speed through security at select airports. Visa and Navy Federal Credit Union have no liability with regards to the Global Entry and TSA Pre✓® programs and have no control over either program, including, but not limited to, the application, approval process or enrollment, and fees charged. For complete details on the Global Entry program, including full terms and conditions, go to cbp.gov/global-entry/about. For more information about TSA Pre✓® and the application process, visit tsa.gov/precheck. The TSA Pre✓® trademark is used with the permission of the U.S. Department of Homeland Security.

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.

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.

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.

Automatic Payments Discount: The discount requires continued enrollment of automatic payments. The borrower authorizes automatic payments from a personal account via Automated Clearing House (ACH). If automatic payments are canceled or suspended at any time after enrollment, such as during a period of forbearance, the rate reduction will not apply until the borrower re-enrolls in automatic payments. For variable-rate loans, the APR, including the 0.25% rate reduction, may not fall below the floor rate.

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.

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.

Credit card value claim based on an internal analysis of Navy Federal’s average credit card APR assigned to members compared to the bank industry average credit card APR in 2025. The 2025 bank industry average data was obtained from the Federal Reserve’s G.19 Consumer Credit data release.