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
Business Checking
| Fee | Amount |
|---|---|
| Monthly maintenance fee | Not applicable |
| Transaction fees | $0.25 charge per item after 30 non-electronic transactions per monthFootnote 2 |
Business Plus Checking
| Fee | Amount |
|---|---|
| Monthly maintenance fee | $8.00 |
| Transaction fees | $0.25 charge per item after 50 non-electronic transactions per monthFootnote 2 |
Business Premium Checking
| Fee | Amount |
|---|---|
| Monthly maintenance fee | $20.00; fee is waived if the average daily balance is $5,000.00 or more |
| Transaction fees | $0.25 charge per item after 100 non-electronic transactions per monthFootnote 2 |
GO BIZ® Debit Card
| Fee | Amount |
|---|---|
| Annual fee | Not applicable |
| Overnight delivery, new or replacement card |
Weekday delivery $12.00 Saturday delivery $20.00 |
| Overnight delivery, system-generated PIN |
Weekday delivery $12.00 Saturday delivery $20.00 |
| Point-of-sale and ATM transactions made in foreign countries | 1% per transaction |
Other Fees
| Fee | Amount |
|---|---|
| GO BIZ® Rewards Credit Card Annual Fee | Not applicable |
For additional fees associated with Small Business Accounts refer to other sections in the Navy Federal Fee Schedule.
Checking and Overdraft Protection Fees
Checking Fees
| Fee | Amount |
|---|---|
| Flagship Checking Monthly Fee | $10.00 if the average daily balance is less than $1,500.00 during the statement period |
| Non-sufficient funds fee (NSF) | $29.00 |
| Stop payment for a single item (including checks and ACH debits) | $20.00 |
| Stop payment for a range/series of items (including checks and ACH debits) | $25.00 |
| Check copies | $1.00 per copy after the first free copy per month |
| Checkbook balancing (repeated) | $5.00 (per ½ hour) |
| Check orders and accessories | Prices vary depending on the style and quality selected. View Navy Federal Online Banking for the complete product line and pricing. |
| Interim statement (Excessive requests prepared at a branch office and operations center.) | $5.00 per printout |
| Dormant Checking fee: Assessed to the checking account if the member has a combined savings and checking balance with less than $50, no activity in 12 months and no other Navy Federal products. This is not applicable to a member under the age of 24. | $3.00 per quarter. |
| Account Number Reassignment (more than once in the same calendar year) | $25.00 |
Checking Line of Credit Fees
| Fee | Amount |
|---|---|
| Returned loan payment fee | $29.00 |
| Check returned (due to non-sufficient funds) | $29.00 |
| Payment of a check that exceeds the approved credit limit | $10.00 |
Overdraft Protection Fees†
| Fee | Amount |
|---|---|
| Transaction fee | $20.00 |
†Standard Practices and Fees: We will charge a fee of $20 each time we pay an overdraft. You will not be charged a fee on transactions of $5 or less. You will not be charged a fee if the amount you are overdrawn after all transactions have cleared or posted after the end of the business day is less than $15. You can only be assessed one overdraft fee per day per account. OOPS is available up to $500, but your account may become overdrawn up to $550 to accommodate fees or a transaction. The additional $50 accommodation includes the amount of overdrawn items, OOPS fees, and any other transactions that result in overdrawing your account, including returned deposits and other fees as described in our Schedule of Fees and Charges and Funds Availability Schedule.
Enrolling in OOPS does not guarantee that we will pay overdrafts. Navy Federal Credit Union pays overdrafts at our discretion. If we do not authorize and pay an overdraft, your transaction will be declined and/or your check/ACH will be returned, unpaid.
Consumer Loan Fees
| Fee | Amount |
|---|---|
| Returned loan payment fee |
$29.00 |
| Guaranteed Asset Protection (GAP) | $399.00 |
| Consumer loan late fee | $29.00 |
| CLOC over limit fee | $10.00 |
| Utility Deposit Guarantee Program | $30.00 |
| Overnight delivery | Weekday delivery $12.00 Saturday delivery $20.00 |
| Certified Mail | $5.83 |
| Lien placement fee | $4.00-$95.00 (varies by state) |
| Lien recording charge - for loans secured by a vehicle | Varies by state |
| Duplicate title fee | $2.00-$95.00 (varies by state) |
Credit Cards
Annual FeesFootnote 3
| Card | Fee Amount |
|---|---|
| cashRewards cashRewards Plus |
No annual fee |
| More Rewards American Express® Card | No annual fee |
| Visa Signature Flagship® Rewards | $49 annual fee |
| GO REWARDS® | No annual fee |
| Platinum | No annual fee |
| nRewards® Secured | No annual fee |
Other Fees
| Fee | Amount |
|---|---|
| Returned convenience check fee due to non-sufficient funds | $20.00 |
| Late payment fee | $20.00 |
| Returned payment fee | $20.00 |
| Overnight delivery, new or replacement credit card |
Weekday delivery $12.00 Saturday delivery $20.00 |
| Overnight delivery, system-generated PIN |
Weekday delivery $12.00 Saturday delivery $20.00 |
Debit Card/CUCARD®
| Fee | Amount |
|---|---|
| Point-of-sale and ATM transactions made in foreign countries | 1% per transaction |
| First-class USPS, new or replacement card | Free |
| First-class USPS, system-generated PIN | Free |
| Overnight delivery, new or replacement card (digital, free) |
Weekday delivery $12.00 Saturday delivery $20.00 |
| Overnight delivery, system-generated PIN (self-select, free) |
Weekday delivery $12.00 Saturday delivery $20.00 |
Equity Loan
| Fee | Amount |
|---|---|
| Home Equity Line Check returned (due to non-sufficient funds) | $29.00 |
| Returned loan payment | $29.00 |
| Home Equity-Platinum Visa overlimit fee | $10.00 |
| Appraisal fee, if required (varies by location) | $505.00 and up† |
| Credit Bureau Report | $6.65 per applicant ‡ |
| Recording Fees | Varies by location† |
| Settlement Services | Varies by location† |
| Stop payment of Home Equity Line check | $20.00 |
| Stop payment of Home Equity Line checks | $25.00 |
| Copy of Home Equity Line check | $1.00 per copy |
| Tax Service Charge | $25.00 |
| Home Equity Line modification to Fixed-Rate Equity Loan | $150.00 |
†Fee represents the actual amount charged to Navy Federal by third parties and/or government offices.
‡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.
Guaranteed Asset Protection
Guaranteed Asset Protection (GAP) is a debt cancellation product that cancels the difference between the outstanding loan balance and what the insurance settlement pays if a vehicle is a total loss, or is stolen and is not recovered.
| Vehicle Type | Fee |
|---|---|
| New | $399.00 |
| Used | $399.00 |
Money Transfers
| Transfer Type | Fee |
|---|---|
| Incoming Wire Transfer | No charge |
| Domestic Outgoing Wire Transfer† | $20.00 |
| International Outgoing Wire Transfer† | $25.00 |
| Western Union Quick Cash Transaction (QCT) | $14.50 per QCT |
†There is no charge for disbursement of mortgage or equity loan proceeds via outgoing transfer.
Mortgage Loans
General Fees & Charges
| Fee | Amount |
|---|---|
| Returned loan payment |
|
| Late charges† |
|
| Mortgage origination fee | 1% of loan amount, can be waived for 0.25% increase in interest rate |
†As stated in loan documents.
Lock Options and Funding Fees
| Fee | Amount |
|---|---|
| 90-day, available on all purchase loans and all refinance loans for new construction | Additional 1/8 discount point (0.125% of loan amount)Footnote 4 |
| 120-day, available on all purchase loans and all refinance loans for new construction | Additional 1/4 discount point or .125% increase in rateFootnote 4 |
| 180-day, available on all purchase loans and all refinance loans for new construction | Additional 1.0 discount point or .25% increase in rateFootnote 4 |
| 270 day extended lock fee, available on all purchase loans and all refinance loans for new construction | Additional 1.5 discount points or .375% increase in rateFootnote 4 |
| 360 day extended lock fee, available on all purchase loans and all refinance loans for new construction | Additional 2.0 discount points or .50% increase in rateFootnote 4 |
| Freedom Lock Program fee, available on all purchase and refinance loans | .25% fee added to origination; not eligible for VA LoanFootnote 4 |
| Special Freedom Lock Program Fee, available on all purchase and refinance loans | Limited time offer; no fee with max interest rate dedution of .50%Footnote 5 |
| Home Buyer's Choice and Military Choice funding fee | 1.75% of loan amount/ can be waived for 0.375% increase in interest rate |
| VA funding fee (varies according to down payment) | 0.50% to 3.60% of loan amountFootnote 4 |
Conventional Mortgage Conversion Fee
| Fee | Amount |
|---|---|
| Credit Bureau Report (per borrower) | $41.76Footnote 6 |
| Appraisal (varies by location) | $505 and upFootnote 4 |
| Flood Certification (except FEL/HEL) | $5.15Footnote 4 |
Tax Service Charge
| Fee | Amount |
|---|---|
| Tax Service Fee | $55.00 to $215.00 Footnote 4 |
| Recording fee (except FEL/HEL) | Varies by locationFootnote 4 |
| Assumption fee | Varies by loan type |
| Payoff release for first mortgage loans | Varies by locationFootnote 4 |
Notary Public Service
| Document Type | Fee |
|---|---|
| Navy Federal-related document | No charge |
| Non-Navy Federal-related document | First 2 per week: no charge; each additional: $5.00 per document not to exceed the local jurisdiction fee maximum |
Notary Public Service is generally available in all jurisdictions except California and Louisiana. In California, Notary Public Service is limited to Navy Federal-related documents only. Navy Federal does not offer Notary Public Service in Louisiana. Members in Louisiana need to seek the advice of an attorney. Navy Federal does not notarize wills or advance directives due to legal requirements and ramifications associated with such documents. Navy Federal also does not notarize I-9 forms or vital records (for example: marriage certificates, divorce decrees and birth certificates).
Prepaid and Gift Cards
Visa® Gift Cards
| Fee | Amount |
|---|---|
| Card Purchase Charge | $0 |
| Inactivity Fee (After 12 consecutive months of no activity, the card will be charged $5.00 per month until the balance is depleted or you make a purchase. Cards sold in branches located in AZ, CT, HI, ME, NH, RI, NJ, VT, and LA do not incur inactivity fees.) | $5.00 |
| Lost/Stolen or Replacement Fee | $5.00 |
| Overnight Delivery |
Weekday delivery $12.00 Saturday delivery $20.00 |
GO Prepaid Cards
| Fee | Amount |
|---|---|
| Visa/PLUS Network ATM domestic and foreign cash withdrawal and balance inquiry (The terminal owner may charge additional fees and “surcharges” for ATM transactions.) | $1.00 per transaction |
| Lost/Stolen or Replacement Fee | $5.00 |
| Overnight Delivery |
Weekday delivery $12.00 Saturday delivery $20.00 |
| Visa ReadyLink (While Navy Federal does not charge a fee, fees of up to $5.95 may be charged by the retailer.) | $5.95 |
| Visa Money Transfer | $0 |
| Text Messaging* | $0 |
| Point-of-sale and ATM transactions made in foreign countries | 1% per transaction |
Savings and MMSA Fees
| Fee | Amount |
|---|---|
| Share Withdrawal Check (Cashier's Check - More than 2 checks per day) | $5.00 per check |
| Inactive Member fee: Applicable to a member over the age of 24, assessed on a share savings account with a balance of less than $50, no activity in 12 months, and no other Navy Federal products. | $3.00 per quarter |
| Dormant Checking fee: Assessed to the checking account if the member has a combined savings and checking balance with less than $50, no activity in 12 months and no other Navy Federal products. This is not applicable to a member under the age of 24. | $3.00 per quarter |
| Account Number Reassignment (more than once in the same calendar year) | $25.00 |
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 12/29/2024, 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 11.49% 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.
↵