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Your PCS Partner: We Make Moves With You

Your PCS Partner: We Make Moves With You

At Navy Federal, we understand all the pieces of a military move. Whether you have 2 weeks or 6 months to prepare, we have everything you need to PCS with success.

Here's Our PCS Checklistfor your military move

  • Manage Moving Costs

    Navy Federal’s personal loans, credit card rates and budgeting tools give you the flexibility and support you need to cover costs.

    Go to Manage Moving Costs Section

  • Handle Your Home & Car

    We know you have a lot of decisions to make fast, like what to do with your home and car. We’re here to navigate them with you. 

    Go to Handle Home & Car section

  • Prepare Your Accounts

    You can accomplish much of your to-do list with us, from updating addresses to adding a Power of Attorney or transferring funds from overseas.

    go to Prepare Your Accounts section

Products to Help You PCS

A little extra support can make your PCS smooth. We have products and tools for every step of the way.

0% Intro APR to Manage PCS Costs

Moving expenses can add up quickly. That’s why we’re offering members experiencing a PCS a 0% intro APR on purchases for 12 months with our Platinum Credit Card.

Already have a Navy Federal credit card? We’ve got you covered. You can also receive 0% promo APR on purchases for 12 months.

To enroll, you must have Active Duty Checking®.

Call or visit a branch to get started.

  • Free Active Duty Checking®

    Early pay and ATM fee refunds are standard issue for Active Duty, retired Servicemembers and reservists. Free Active Duty Checking® requires qualifying direct deposit.

    Open Now about Free Active Duty Checking®

  • VA Loans

    VA loans offer many benefits like no money down1 and no Private Mortgage Insurance (PMI). As a Top VA lender, let us help you take advantage of the benefits you’ve earned.

    Apply Now about VA Loans

  • RealtyPlus

    Buying and selling your home has never been so rewarding with RealtyPlus! Sign up to be connected to a real estate agent and you may receive $400 to $9,000 in cash back.

    Sign Up about RealtyPlus

  • TrueCar

    Shop with our Car Buying Service, powered by TrueCar,4 to find new and used vehicles in your area. You could save with special incentives on select vehicles. Plus, enjoy exclusive military discounts when you finance your car with us.

    Shop Vehicles about TrueCar

  • Auto Loans

    Whether you're looking to buy a new or used car, or even refinance your auto loan from another lender, you're in the right place. You could get a decision in seconds, plus great rates and a discount for Active Duty and retired military.

    Check Out Rates about Auto Loans

  • Personal Loans

    A personal loan can be a great way to cover unexpected expenses. Applying for a personal loan is fast and easy, and you won’t pay any origination or prepayment fees.

    Check Out Rates about Personal Loans

Manage Moving Costs

When you get your new orders, there’s a lot to do to prepare for your move. Stay on top of your finances with these tips.

Adjust your budget

  • Price out your new life: Get a clear idea of just how much your spending will change. Use our PCS monthly spending calculator to track your current expenses and see how they’ll compare to your new duty station so you can make necessary adjustments.
  • Cancel or pause any subscription services: Give your budget a break by eliminating services you won’t need in your new location. Our subscription manager within My MakingCents makes it easy to track upcoming payments and recurring bills, make updates and cancel unwanted services.

Plan for Up-Front and Uncovered Expenses

  • Familiarize yourself with what expenses are covered by the Department of Defense so you can be sure to claim your full reimbursement.
  • Make a plan for non-reimbursable expenses you’ll need to pay for out of pocket—if you’re able, set up a savings account specifically for PCS and set aside some money each pay period.

Handle Your Home & Car

Navy Federal can help you navigate your move with home-buying support and vehicle assistance.

Mortgages That Have Military in Mind

If you’ll be living off-base and plan to buy a new home, we’ve got you covered with those that know PCS.

Review your military mortgage options and explore our services that offer:

  • Experienced Loan Officers, available at 1-888-842-6328
  • Remote/Hybrid closing support
  • Mortgages unique to the military: VA Loans and Military Choice Loans
  • Connections with experienced realtors near your duty station through our RealtyPlus program—they can help you buy a home and sell your current one if needed!

Vehicle Preparation

Selling your car?

  • Avoid unexpected breakdowns (and non-reimbursable costs) by getting any preventative maintenance done ahead of your trip.
  • Update your vehicle registration and insurance information.
  • Get a value estimate for your current vehicle from TrueCar for Navy Federal! You could get a cash offer from a local certified TrueCar dealer as well.

Buying a new car?

Prepare Your Accounts

Get peace of mind by completing these steps ahead of your PCS or give us a call and one of our dedicated member service reps can assist.

  • Update your new address online or in the app
  • Set up Joint Owners, Authorized Users or Power of Attorney as needed. This allows you to give access to someone you trust, so your finances can always be managed even if you're not able to.
  • Provide travel notifications. Let us know when you’ll be moving so our fraud team will know where to expect purchases and won’t flag legitimate charges. Don’t forget to add any layover locations. It takes seconds to notify us by choosing “travel notifications” in our mobile app.
  • Record account information. Ensure you and anyone that may need to have full access to your account (like your spouse) has access to checking and saving account numbers, usernames and passwords.
  • Review our branch locations to see if there’s one near your new duty station. If not, we have many ways we can assist you 24/7—online, on the phone or through the mobile app. See All Your Options.
  • Make a plan for transferring money, especially if you’re stationed overseas. Different countries may have different policies. Review the ways you can Make Payments/Transfers, including a very simple Member to Member Transfer.

You’re Not Alone! Let Us Lighten Your Load

  • Schedule an appointment with a free financial counselor
  • Give us a call and speak to one of our member service representatives at 1-888-842-6328
  • Find a PCS presentation at a branch near you

Let's Talk

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