Fees & Charges
Understanding our fees and charges will help you stay on top of your day-to-day finances.
ATM Fees
| Transaction Type | Navy Federal ATM | CO-OP ATM Network® | Non-Navy Federal/Non-CO-OP Network ATM | MAESTRO | INTERLINK Point-of-Sale |
|---|---|---|---|---|---|
| Share withdrawal $1,000 maximum per 24 hours† | None | None | $1.00 | Not applicable | Not applicable |
| Deposits | None | None | Not available | Not applicable | Not applicable |
| Rejected transaction‡ | None | Deposit Discrepancies: $2.00 Returned Check Deposits: $6.00Footnote 1 |
$1.00 | Not applicable | Not applicable |
| Transfer | None | None | $1.00 | Not applicable | Not applicable |
| Inquiry | None | None | $1.00 | Not applicable | Not applicable |
| Invalid PIN attempt | None | None | $1.00 | Not applicable | Not applicable |
| Purchase | Not applicable | Not applicable | Not applicable | A few merchants may impose a surcharge | A few merchants in WA, OR, CA, NV & AZ may impose a surcharge |
| Credit card cash advance§ | None | $0.50 | $1.00 plus ATM owner fees | Not applicable | Not applicable |
†Midnight to midnight, Eastern time, regardless of individual machine/network limits.
‡Results from account-related problems such as insufficient funds, request exceeds limit, etc.
§Four transactions per day not to exceed total of $1,000.
Reminders:
- Please ensure you have sufficient funds in your account to cover the withdrawal and the fee.
- Deposits can only be made at Navy Federal-owned ATMs and through the CO-OP Network ATMs.
- Loan payments can only be made at Navy Federal-owned ATMs.
- You cannot transfer funds to another member's account, including family members.
- Some financial institutions, for example in the Visa/PLUS System and CashPoints® networks, may charge you a convenience fee for using their ATMs.
Business Solutions
Checking and Overdraft Protection Fees
Consumer Loan Fees
Credit Cards
Debit Card/CUCARD®
Equity Loan
Guaranteed Asset Protection
Money Transfers
Mortgage Loans
Notary Public Service
Prepaid and Gift Cards
Savings and MMSA Fees
Disclosures
Fees will be imposed for deposit discrepancies and adjustments made at CO-OP Network Vcom-owned ATMs in the United States. For deposits made at CO-OP ATMs, the owner will impose a fee of $2.00 per item if an adjustment is processed due to one of the following discrepancies in the deposit: the currency appears to be counterfeit; the deposit contents do not equal the deposit amount in U.S. dollars, as entered into the ATM; an item is unsigned by the maker; an item is dated more than six months prior to the date of deposit; the numerical and written amounts do not agree; the deposit is over $1,000 and contains an obvious alteration. For each adjustment initiated for deposit items processed and subsequently returned, the ATM owner will impose a fee of $6.00 per item at the time the adjustment is processed. The standard daily limit at CO-OP ATMs is $10,000 per card, per business day.
↵Non-electronic transactions are defined as checks processed and in-branch transfers, deposits, and withdrawals. Up to 12 checks for deposit at a branch will count as one transaction.
↵As of 03/17/2025, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal credit card rates range from 10.99% APR to 18.00% APR, are based on product type and 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. $49 annual fee for Visa Signature® Flagship Rewards.
↵Fee represents the actual amount charged to Navy Federal by third parties and/or government offices.
↵Special Freedom Lock is available for new applications on purchase and refinance loans at no additional fee for a 60-day lock. You must request the Special Freedom Lock option during the initial lock request. You may request a lower rate no more than two (2) times, with a maximum cumulative interest rate reduction of 0.50%. You must monitor rates to decide when to exercise the option to lower the rate. All requests for a lower rate must occur at least seven (7) calendar days before closing.
↵This fee represents the actual amount charged to Navy Federal by third parties and/or government offices. This fee is required to process your application and is charged at the time of application.
↵