New Marine Special Offer

This offer is non-transferable and valid for the intended recipient only. This means that only members who receive this offer directly from Navy Federal are eligible to accept the offer. Eligibility for this benefit is determined by Navy Federal. To be eligible for this benefit, your card cannot be past due or otherwise inactive. This is not a prescreened offer of credit but is an exclusive offer open to new Parris Island graduates broadly. A credit report will be requested following application. Offer expires 6 months after graduation.

Receive 3% cash back by the end of your billing cycle on eligible net purchases made at military exchanges (e.g., Navy Exchange, Army Exchange) for 12 months from account opening. If your purchase is processed through third-party payment accounts, mobile or wireless card readers, mobile or online digital wallets, or similar technology, your purchases may not be eligible for this offer. After the 12-month offer, eligible net purchases made at military exchanges will receive up to 1.75% cash back. "Net purchases" means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions: cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, and ATM cash advance fees. Cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards (e.g., money orders, GO Prepaid Cards, and other cash-equivalent gift cards), may not be eligible purchase transactions and may not earn rewards. Account must be open and not in default at the time the cash back posts. Recipient is solely responsible for any personal tax liability arising out of the acceptance of this cash-back incentive.

Earn up to 1.75% cash back on eligible net purchases other than those made at military exchanges under the 12-month offer

As of 10/05/2024, a 11.99% APR will apply 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: Offer valid for balance transfers from non-Navy Federal credit cards requested within 60 days of account opening. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your approved credit line. Balance transfers using convenience checks are excluded from this offer.

Limit one Special EasyStart Certificate per member. 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 a 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, or Branch deposits totaling at least $500 and recurring for at least three out of four 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 three out of four 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 three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.