Preparing for a Military PCS

As of 05/17/2025, rates range from 10.99% 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. Offer excludes Home Equity Line Platinum credit cards and is limited to one Navy Federal credit card per member. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time.

Offer valid for cashRewards, cashRewards Plus, GO REWARDS, Visa Signature® Flagship, More Rewards, and Platinum existing cardholders. To be eligible for the 0% promotional APR on purchases, you must meet all offer criteria. For a purchase to receive the 0% promotional rate, it must be made within 12 months of enrollment. After 12 months, your variable Standard APR will apply to the outstanding purchases balance. Your account must be open for at least 1 year and not in default at the time of enrollment. This offer may not be combined with any other active purchase or balance transfer APR offer associated with your account. Offer excludes Navy Federal nRewards®, cashRewards Secured, Business, and Home Equity Line Platinum credit cards and is limited to one Navy Federal credit card per member. Navy Federal reserves the right to change or end this offer at any time without notice.

A qualifying military direct deposit must post to your Free Active Duty Checking account within 180 days of account opening. If the military direct deposit stops for more than 180 days, the account converts to a Free EveryDay Checking account.

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

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.

Navy Federal Credit Union was included in 9 Best VA Lenders in 2025 by money.com.

The program is only available for individual home purchases/sales in the contiguous US, Alaska, and Hawaii, excluding Iowa and all employer-sponsored relocations. You are not required to receive financing through Navy Federal Credit Union in order to receive the benefits of this program. 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). Your assigned agent can help you identify any transactions where the cash back would not be available. The amount of your cash back depends on the value of the property you are buying or selling. Obtaining the full $9,000 cash back requires transacting in a property valued at $3 million or greater. To calculate your potential cash-back amount, please visit the RealtyPlus website: https://navyfederalrealtyplus.com/. The cash-back offer is limited to one cash back 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 be provided in lieu of the cash back. In Kansas and Tennessee, a Mastercard® MAX gift card will be issued with preloaded points that are ready for spending at specified retail establishments after closing. State regulations in Kansas limit the dollar amounts and the type of incentive. In Mississippi, New Jersey, and Oregon, a commission reduction may be available at closing in lieu of cash back. Please check with the program coordinator for details. All real estate commissions are negotiable. Contact RealtyPlus for terms and conditions. Seller listing 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. Program terms and conditions are subject to change at any time without notice. Additional terms, conditions, and restrictions apply. 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. 

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.

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.

Terms and conditions apply and are available at the Car Buying Service website, hosted by TrueCar.

TrueCar Certified Dealers are contractually obligated by TrueCar to meet certain customer service requirements and complete the TrueCar Dealer Certification Program.

Benefits not available in all states. Additional terms, conditions, and limitations apply and are available at the linked Car Buying Service website, hosted by TrueCar.