Limit one Special EasyStart^SM 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 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, 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 11/1/2025. Navy Federal reserves the right to end or modify this offer at any time. To qualify for the $200 bonus, you must be eligible for membership, join Navy Federal, and open a new 12-month Special EasyStart Share certificate between 11/1/2025 and 11/30/2025. 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. Limit 1 $200 bonus per member. The new member must be the primary account owner of the 12-month Special EasyStart Share certificate to qualify. Business and Trust accounts are not eligible. IRA, ESA, and Navy Federal Business Solutions certificate products are not eligible. $5 minimum balance is required to open and maintain Membership Share Savings Account and to obtain bonus. If you have not funded your new Membership Share Savings Account at the time the bonus is credited, we will hold the minimum $5 share required for your membership. Membership Share Savings Account Annual Percentage Yield (APY) 0.25%, effective 8/6/2025. Fees may reduce earnings, and rates may change. The 12-month Special EasyStart Share Certificate has a $50 minimum balance, earning 4.15% APY as of 11/1/2025. Penalties may apply for early withdrawals from certificate accounts. Other restrictions may apply. Bonus will be deposited to the new member’s Membership Share Savings Account by 02/28/2026. 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. 

Limit one 10-Month Special Certificate per product type per member. Product types include Share, IRA (either Traditional, Roth, or SEP), and ESA. This offer, including the stated Annual Percentage Yield (APY), is effective 1/6/2025. Navy Federal reserves the right to end or modify this offer at any time. The 10-Month Special Certificate (Share/IRA/ESA) has a $50 minimum balance and a $250K maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Dividends earned are not included in the maximum balance allowed. Once the promotional rate is applied to a purchased certificate, it will remain in effect for the length of the product term. IRA/ESA certificates are subject to IRS contribution limits. Penalties apply for early withdrawals from certificate accounts. Other restrictions may apply.

Navy Federal's 10-Month Special Certificate rate is in comparison to the national average of the 12-Month Certificate rate. The national average for the 12-Month Certificate is 1.76% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps; accurate as of 08/18/2025.

Offer valid for cardholders issued a cashRewards or cashRewards Plus credit card account. To be eligible for the $250 cash back, you must make $2,500 or more in eligible purchases within 90 days of account opening. Eligible purchases are purchases for goods and services, minus returns and other credits. Eligible purchases do not include fees, interest charges, balance transfers, gambling, convenience checks, cash advances, or other cash-equivalents (e.g., money orders, gift cards, prepaid cards). Please allow up to 8 weeks after the 90-day period for the $250 to post to your rewards balance. Account must be open and not in default at the time the $250 is scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 07/01/2025 and 01/01/2026. Navy Federal reserves the right to change or end this offer at any time without notice.

As of 11/12/2025, rates range from 14.65% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None, if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Balance transfer offer: Application must be submitted by 01/01/2026. Offer valid for balances transferred from non-Navy Federal credit cards within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line. Balance transfers using convenience checks are excluded from this offer. If you transfer a balance with this offer, interest will be charged on purchases made with your credit card unless your purchases have a 0% APR or you pay the entire balance, including any transferred balances, in full each month by the payment due date. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time without notice. 

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 or deferment, 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.

Credit and collateral subject to approval. 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.

Navy Federal Credit Union was a top 10 VA Lender by overall volume and total loan amount in 2025 by VA. 

Home equity loans are fixed-rate loans. Rates are as low as 7.340% APR and assume a 750 FICO on a 5-year term. Rates are based on loan term, credit history, loan-to-value (LTV)/combined loan-to-value (CLTV)/high credit loan-to-value (HLTV) ratio, loan amount, and occupancy, so your rate may differ. A sample fixed-rate equity loan monthly payment based on $100,000 at 7.650% APR for 20 years is $814.79. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Navy Federal will pay for all closing costs on fixed-rate equity loan applications. For loan amounts up to $250,000, closing costs that members may pay typically range between $300 and $2,000. Covered closing costs include lender fees and fees paid to third parties, such as settlement fees, credit reports, flood determinations, property valuations (including appraisals, if required), title searches, lender’s title insurance, recording, mortgage transfer taxes, and government charges. The member is responsible for escrow payments and/or prepaid costs, if required, including property taxes and assessments, homeowners’ and flood insurance premiums, association fees/dues and assessments, and prepaid interest. You must carry homeowners’ insurance on the property that secures this plan. All loans subject to approval. Offer is subject to change or cancellation without notice.

Home equity lines of credit (HELOC) are variable-rate lines. Rates as low as 7.250% APR and 8.250% for Interest-Only Home Equity Lines of Credit assume a 750 FICO. Rates are based on credit history, loan-to-value (LTV)/combined loan-to-value (CLTV)/high credit loan-to-value (HLTV) ratio, loan amount, and occupancy, so your rate may differ. A HELOC has a minimum APR of 3.99% and a maximum APR of 18%. Members who choose to proceed with an interest-only HELOC may experience significant monthly payment increases when the line of credit enters the repayment phase. Navy Federal will pay for all closing costs on HELOC applications. Covered closing costs paid to third parties include settlement fees, credit reports, flood determinations, property valuations (including appraisals, if required), title searches, lender’s title insurance, recording, and government charges. The member is responsible for prepaid interest and escrow payments for first lien HELOCs. Members must carry homeowners’ insurance on the property that secures the HELOC. For loan amounts up to $250,000, closing costs typically range between $300 and $2,000. Applications for a HELOC include a request for a HELOC Platinum Credit Card. All loans subject to approval. Offer is subject to change or cancellation without notice. Rates are subject to change. HELOC loans are not available in Texas.

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.