To continue enjoying all the features of Navy Federal Online, please use a compatible browser. Confirm your browser capability.

Get a Fresh Financial Start

Get a Fresh Financial Start

We're here to help you reach your financial goals for the new year.

Join Todayto become a member Under 18? Learn about minor membership.

Start Now With These Special Offers

Our member's 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.

  • Refi, and You Can 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

  • Earn a $200 Bonus

    Maximize your cash back with a Navy Federal cashRewards Card. With cashRewards in your wallet, you can earn $200 cash back when you spend $2,000 within 90 days of account opening.Footnote 2 Plus, get a one-time $98 statement credit when you pay $49 or more for an annual Walmart+ membership.Footnote 3

  • Save More With Certificates

    Open an EasyStartSM Certificate with as little as $50 and watch your savings grow with market-leading rates. Footnote 4 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. 

  • 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

Who Can Join?

Navy Federal membership is open to all members of the armed forces, the DoD, Veterans and their families.

Find Out If You're Eligible to become a member.

Membership Is a Big Deal

Our members could earn and save $461Footnote 5 per year by banking with us. See how you can take advantage of your new membership perks.

Learn More about some 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

1

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.

↵
2

Offer valid for cardholders issued new cashRewards or cashRewards Plus credit card accounts. To be eligible for the $200 cash back, you must make $2,000 or more in net purchases within 90 days of account opening. Rewards are earned on eligible net purchases. “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, gambling, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. 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. Please allow up to 8 weeks after the 90-day period for the $200 to post to your rewards balance. Account must be open and not in default at the time the $200 is scheduled to post to your rewards balance. Limit of one promotional offer at account opening. Offer valid for accounts applied for between 10/10/2024 and 01/01/2025. Navy Federal reserves the right to change or end this offer at any time without notice.

↵
3

One-time statement credit of $98 when you pay $49 or more for an annual Walmart+ membership. Excludes monthly Walmart+ membership. Annual Walmart+ membership must be purchased within one year from Navy Federal cashRewards or cashRewards Plus credit card account opening date to receive the one-time statement credit. Please allow up to 30 days after the annual Walmart+ membership fee posts to your account for the $98 credit to post. Your annual Walmart+ membership will auto-renew annually following enrollment, and your credit or debit card on file will be charged for an additional term at the fee(s) in effect at the time. You may cancel your annual Walmart+ membership by calling Walmart Customer Care at 800-924-9206 or through your Walmart account. Walmart is a registered trademark of Walmart Apollo, LLC.

↵
4

Value claim based on Navy Federal's 2023 Member Giveback Study.

↵
5

Dollar value shown represents the results of the 2023 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 member discounts, incentives, and other savings.

↵