- Account Access
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- Membership & Benefits
- Join Now
Become a member now and experience the benefits and security of Navy Federal. - Am I Eligible?
Serving Army, Marine Corps, Navy, Air Force, Coast Guard, DoD and their families. - About Us
Our story, mission statement and how we have been serving our members since 1933.
- Military Exclusives
From our Active Duty Checking to VA Mortgages, we have products that suit your needs. - Why Choose Navy Federal
Excellent member service. Great rates. Convenient banking. - Army | Marine Corps | Navy | Air Force
Coast Guard
- Looking for a branch on or near your base or post? We've got them all right here.
- Convenient Money Management
Get the products and services to make managing your money easy. - Special Offers and Discounts
Save money with our member-only specials and discounts! - Business Services Application
Do you own a business? Join now. - Switch to Navy Federal
Switching your financial transactions to Navy Federal is easy.
- Join Now
- Advice & Planning
- Managing Your Money
Learn about our free Personal Finance Management services and ways to manage your money, control debt, and protect your credit. - Home Buying. Simple.
Learn the ins and outs of the home buying process, find affordable solutions, and get pre-approved. - Security Center
Advice for protecting yourself from fraud, phishing and ATM skimming.
- Finances for Kids & for College
Advice on building early financial literacy as well as saving for college. - Tax Center
Get tips for easy filing and faster refunds. - FREE Navy Federal Events
Don't miss our FREE Home Buying and Financial Seminars.
- Military Life
Get tips for your next PCS or deployment and learn about the perks available to you in honor of your service. - Work Life
In the market for a new job? Transitioning from the military to the civilian job market? We've got the resources to help. - Family Life
Guidance and tips for managing money during major life changes.
- Managing Your Money
Campus Checking
0.05% APY*
Dividend earnings are compounded and credited monthly. Rates on various rate accounts (i.e., checking) could change after account opening. Fees may reduce earnings. Offering rates may change. See checking rates for details.
- ATM fee rebates (up to $10 per statement period)
- No monthly service fee (must be ages 14-24)
- No minimum balance requirement
Get started in THREE easy steps
Switch to eStatements and
go paperless
- Over 55,000 free ATMs
- Free traditional name-only checks
- A free Navy Federal Debit Card, accepted at millions of merchant and ATM locations
- Account Access through Navy Federal Online®
- Free Bill Pay
- Online statements
- Free Mobile and Scan Deposits
- Easy online check ordering
- All accounts earn dividends
- Checking Protection options
- Direct Deposit
The owner of a non-Navy Federal ATM may charge a fee.
Up to $10 in ATM fee rebates per statement period.
If stopping a series of checks, the fee is $25.
- Maximum Number of Overdraft Fees Per Day
- Minimum Overdrawn Balance Required to Trigger a Fee
- Extended Overdraft Fee
Navy Federal Credit Union offers Checking Protection options in order to authorize overdraft transactions and avoid non-sufficient funds (NSF) fees.
Dispute Resolution: If you have a dispute regarding your account or the service you have received, please contact us at 1-888-842-6328.
1 Subject to Funds Availability Policy.
2 The first $200 will be available immediately, and any remaining funds will be available the second business day after the date of deposit. Deposits at nonproprietary ATMs (ATMs we do not own or operate) are not available until the fifth business day after date of deposit.
3 The first $200 of a deposit of checks will be available on or before the first business day after we receive your deposit. The remaining amount will be available for withdrawal the second business day following the date of deposit.
4 Direct Deposit is available the same business day, but at midnight.
5 Deposits that exceed $1,000 will have a portion of the deposit delayed up to two business days, and in some cases, longer. $200 will be available by the next business day.
3.361%APR
1.49%APR
3.00%APY
0.45%APY
7.99%APR
