Special Offers for Members
Start Now With These Special Offers
Our members' financial success is our top priority. That's why we've created tools and resources to help them earn and save more. Join today and take advantage of these member-exclusive offers.
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Refi, and You Could Get a Bonus
With great auto loan rates, you could save big when you refinance your loan from another lender with us. Plus, you could earn a $200 bonus if your refinance loan is at least $5,000.Footnote 1
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Earn a $250 Bonus
Open a cashRewards or cashRewards Plus credit card,Footnote 2 and you could earn $250 cash back when you spend $2,500 within 90 days of account opening.Footnote 3 And, save with a 1.99% intro APR for 12 months from account opening on balances transferred within your first 60 days. After that, a variable APR between 14.90% and 18% applies.Footnote 4
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Save More With Certificates
Open an EasyStartSM Certificate with as little as $50 and watch your savings grow with market-leading rates.Footnote 5 Plus, enjoy the flexibility to add money at any time.
Why Join Navy Federal?
We strive to be the premier banking institution for our military and their families. Members have access to world-class service and products to help them reach their financial goals.
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Personal Finance Counseling
Take the next step toward your financial success and keep sight of your financial goals. We're here to help with free and confidential personal finance counseling.
Learn More about Personal Finance Counseling -
Security Center
Scammers will try to get you to share your personal information through email, telephone, text and even social media attacks. We can help you recognize their tactics.
Learn More about Security Center -
Mobile and Online Banking
Access your account, pay your bills, make deposits and more conveniently and securely on our mobile app* or online.
Learn More about Mobile and Online Banking
Membership Is a Big Deal
Our members could earn and save $461Footnote 6 per year by banking with us. See how you can take advantage of your new membership perks.
What You’ll Need to Join
- Name and Access Number of referring friend or family member (if applicable)
- Social Security number*
- Driver’s license or government ID*
- Current home address*
- Credit card or bank account and routing number to fund your account**
*You’ll need these for any joint owners you’d like to add.
**A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.
Disclosures
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.
↵By submitting your application, you are applying for a cashRewards card account. If your application is approved for an account with a credit limit of less than $5,000, you will receive a standard cashRewards card that earns 1.5% cash back. If your credit limit is $5,000 or greater, you will receive a cashRewards Plus card that earns 2% cash back. The benefits of a standard cashRewards card differ from those of a cashRewards Plus card.
↵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 04/01/2025 and 06/30/2025. Navy Federal reserves the right to change or end this offer at any time without notice.
↵As of 04/16/2025, rates range from 14.90% 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 06/30/2025. 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 made under this offer, in full each month by the payment due date.. Navy Federal reserves the right to change or end this offer at any time without notice.
↵Value claim based on Navy Federal's 2023 Member Giveback Study.
↵Dollar value shown represents the results of the 2024 Navy Federal Member Giveback Study. The Member Giveback Study takes into consideration internal market analyses comparing Navy Federal products with industry national averages, as well as discounts, incentives, and other savings.