Exclusive Balance Transfer Offer
You could save hundreds with a 0% promo APR for 12 months on balances transferred from non-Navy Federal cards by Dec. 31, 2025. After that, your variable Standard APR applies.Footnote [1]
Follow these steps to complete your balance transfer.
To make the transfer, you’ll just need the name and address of the other financial institution, your account number and the amount you’re transferring. After completing your balance transfer, you’ll see the promo rate reflected on your next statement.
- Sign in to your account.
- Select Cards from the navigation menu.
- Select the credit card you’d like to transfer the balance to and under Card Benefits, choose Balance Transfer.
- Complete the on-screen instructions.
Calculate Your Balance Transfer Savings!
This calculator is for general education purposes only and is not an illustration of current Navy Federal products and offers.
Enter your current card balance, interest rate and anticipated monthly payments. Then see what a low promo interest rate on your Navy Federal card could save you if you transfer your balance to that card.
You deserve:
No balance transfer fees
Lots of lenders will charge you a fee as high as 5% to transfer your credit card balance—but we won't!
No credit check or approval
You don’t need a credit check to transfer a balance onto an existing credit card. And, approval isn’t required if the transferred balances fall within the available limit.
A lower-than-average APR
Our average credit card is 7.25 percentage points lower than the industry average. Currently, you won’t pay more than 18% APR with us. Footnote [2]
Hurry—this exclusive offer starts Oct. 1, 2025 and ends Dec. 31, 2025.
You can also call us at 1-888-842-6328 for assistance in making a balance transfer.
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Disclosures
Offer valid for your credit card account referenced in the offer you received by email and is not transferable. To be eligible for the 0% promotional APR on balance transfers, you must transfer a balance from a non-Navy Federal credit card between 10/01/2025 and 12/31/2025. If you transfer a balance to an existing Navy Federal credit card, you will receive a 0% APR on the balance transferred for 12 months. After that, your variable Standard APR will apply to any balance remaining. All balance transfers that do not meet the requirements for this offer will accrue interest at your variable Standard APR. Balance transfers are not eligible to earn rewards. Maximum total transfer amount is limited to your available credit line, but no single balance transfer can be greater than $30,000. 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. Offer excludes Navy Federal Business, Home Equity Line Platinum, and cashRewards Secured credit cards.
↵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 2024. The 2024 bank industry average data was obtained from the Federal Reserve’s G.19 Consumer Credit data release.
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