Military Appreciation Month

Offer valid May 1-May 31, 2025, and can expire anytime without prior notice. To qualify for the $100 bonus, you must be a new member, be eligible for membership, join Navy Federal, and open a Share certificate between 5/1/2025 and 5/31/2025. Must be at least 18 years of age. Navy Federal membership is open to members of the Coast Guard, all Department of Defense uniformed personnel, reservists, Active Duty, retired, Veterans, Army and Air National Guard, DoD civilian employees, contractors, and their immediate family. Limit one (1) $100 bonus per member Access Number. New member must be the primary account owner of the Share certificate to qualify. Certificate must be open at the time the bonus is deposited. IRA, ESA, and Navy Federal Business Solutions certificate products are not eligible. Business and Trust accounts are not eligible. $5 minimum balance is required to open and maintain Membership Savings Account and to obtain bonus. If you have not funded your new Membership Savings Account at the time the bonus is credited, we will hold the minimum $5 share required for your membership. Membership Savings Account Annual Percentage Yield (APY) 0.25%, effective 1/6/2025. Fees may reduce earnings, and rates may change. Standard Share Certificates have a $1,000 minimum deposit. EasyStart^SM/Special EasyStart/10-Month Special Share Certificates have a $50 minimum deposit. APY varies based on term selected and can be found at navyfederal.org/rates. Penalties may apply for early withdrawals from certificate accounts. Other restrictions may apply. Bonus will be deposited to the new member’s Membership Savings Account by June 30, 2025. Membership Savings Account must be open and in good standing for credit to be processed. Recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive. Navy Federal does not provide tax advice.

This APY is accurate as of 06/21/2025. This APY is an annualized rate that reflects estimated earnings based on the dividend rate and frequency of compounding. Dividends compounded daily, credited monthly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change.

Limit one Special EasyStart Certificate per member. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Additional deposits are allowed at any time subject to the maximum contribution limit. Certificate owner(s) age 18 and older must have direct deposit and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Special EasyStart Certificate dividend rate will be adjusted to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew and any amount exceeding the $3,000 maximum contribution limit will be transferred to your Membership Savings Account unless instructed otherwise.

You may qualify for direct deposit if you have (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) Mobile deposits, ATM deposits, or Branch deposits totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.

Offer valid May 1-May 31, 2025. Navy Federal reserves the right to end or modify this offer at any time. Navy Federal Credit Union employees and contractors are not eligible to participate in this promotion. Immediate family members (spouses, siblings, parents, children, grandparents, and grandchildren) of Navy Federal Credit Union employees may participate in this promotion if they meet the eligibility criteria described herein. To receive this offer, you must be a new member and open a new Free Active Duty Checking account during the promotion period and make a purchase using your Navy Federal Debit Card associated with the new account within 30 days of account opening. Purchases must be more than $0 and made by June 30, 2025. Please allow 10-12 weeks for the credit to post to your account and appear on your periodic statement. This offer is not transferable. Transactions are not earned for gambling or cash-equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards. Limit one (1) $10 bonus per member and must be 18 or older. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the bonus. Taxes related to the bonus are the member's responsibility. Navy Federal does not provide tax advice.

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.

Navy Federal More Rewards American Express® Cards earn 3 points for every $1 of eligible purchases made for gas, transit, restaurant, food delivery, and supermarkets, and 1 point for every $1 of other eligible purchases. 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). Merchants are assigned codes by payment networks based on what they primarily sell. We rely on this information to identify gas, transit, restaurant, food delivery, and supermarket purchases. If the purchase is not identified as a gas, transit, restaurant, food delivery, or supermarket purchase, it will not receive additional points. For example, purchases for transit that are identified as railway, ferries/water trip, taxi, limousines, bus lines, charters, tour buses, tolls, road/bridge fees, and parking/lots will receive 3 points for every $1 spent. However, purchases at restaurants located within another establishment (e.g., hotel, casino, commissary, grocery store, event venue), and purchases for gas at superstores, supermarkets, and warehouse clubs, may earn 1 point per $1 spent because they typically are not assigned codes identifying them as restaurant or gas purchases. For more information, view the More Rewards American Express® Card Program Description.

Offer valid for cardholders issued new Navy Federal More Rewards American Express® credit card accounts. To be eligible for the 20,000 points offer, you must make $2,000 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 20,000 points to post to your rewards balance. Account must be open and not in default at the time the 20,000 points are 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 01/01/2026. Navy Federal reserves the right to change or end this offer at any time without notice.

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 More Rewards American Express® 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.

100% financing subject to all VA rules, guidelines, and additional program requirements. All loans subject to approval. VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.

Navy Federal Credit Union reserves the right to change or discontinue products, promotions, rates, terms, and benefits at any time without notice.

Automatic Payments Discount: The discount requires continued enrollment of automatic payments. The borrower authorizes automatic payments from a personal account via Automated Clearing House (ACH). If automatic payments are canceled or suspended at any time after enrollment, such as during a period of forbearance or deferment, the rate reduction will not apply until the borrower re-enrolls in automatic payments. For variable-rate loans, the APR, including the 0.25% rate reduction, may not fall below the floor rate.

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.