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888-842-6328
820 Follin Ln SE
Vienna, VA 22180

Navy FCU is a Virginia-based federal credit union serving millions of members who are, or are related to, service members and employees with the Department of Defense. The credit union offers a range of depository banking and lending products, as well as business and investment services, and is considered the largest credit union in the world.

On its personal banking side, Navy Federal Credit Union offers checking, savings, Money Market, Certificate, and IRA accounts to serve consumers’ savings needs. A variety of checking account options offer flexibility and include accounts designed for active duty members, students, and members looking for higher interest returns. Navy’s active duty checking has no balance minimums, refunds ATM fees up to a certain amount, and gives free military-themed checks for the life of the account. The student checking differs from the basic checking account only by offering ATM fee refunds. Overdraft protection options are available on all of Navy’s checking accounts.

The credit union’s basic savings account has no monthly fees and a low initial deposit requirement. A savings account is automatically opened by the credit union when membership is granted. Money Market savings accounts offered by the credit union earn more than a basic savings account because of minimum balance requirements. There is also a Jumbo dividend rate for Money Market accounts with over $100,000 balances. Certificates and IRA Certificates are available in term lengths that range from 3 months to 7 years. Navy’s Special Certificate account earns a competitive rate of interest, but has a low maximum balance cap. Its standard Certificates and IRA Certificates have no maximum deposit caps. DepositAccounts.com has recognized Navy’s Certificates repeatedly in the past.

Navy FCU online banking offers a secure and convenient banking platform on which members can perform account management tasks like transferring funds, paying bills, ordering checks, and making loan payments. Free Direct Deposit makes it easy to seamlessly deposit paychecks and Navy’s mobile banking services provide remote deposit to make depositing any check quick and simple. Scan deposits can be accomplished via a scanner attached to a computer and are free for personal account holders, $1 per month for business account holders.

Navy FCU was originally established in 1933 as the Navy Department Employees’ Credit Union of the District of Columbia. After dissolving in 1947, the credit union was rechartered as a federal credit union and named Navy Department Employees Federal Credit Union, until transitioning to its current name in 1954. Today, Navy FCU is headquartered in Vienna, Virginia, and employs over 10,000 people who serve more than 4 million members. The credit union serves its members through numerous locations in states all across the country.

Field of Membership Restrictions

Membership in Navy Federal Credit Union is open to members of active duty Army, Marine Corps, Navy, Air Force, Coast Guard, Army and Air National Guard, Department of Defense Officer Candidate/ROTC, Department of Defense Reservists, retirees from military service, Department of Defense civilian employees and contractors and retirees, U.S. Government Employees Assigned to Department of Defense Installations. Membership is also open to immediate family of current members or those eligible for membership. Members of the Navy League also qualify for Navy Federal Credit Union membership.
See current membership details

Related Posts

New 17 Month 2.00% CD - 12/7/2016

Special 17-Month Certificate 2.00% APY (Share/IRA/ESA)Certificates | Navy Federal Credit Union|

Navy Fed Adds 2.00% APY 17-Month Special Certificate - 12/7/2016

Navy Federal CU has added a 17-month Special Certificate (2.00% APY). $50 min/$50k max. Additional deposits allowed up to balance cap.

Special 20-Month Certificate 2.00% APY - 9/30/2016

2.00% APY 20-month term $20,000 maximum balance $20 minimum to open Certificates | Navy Federal Credit Union

View all posts from:

9/17/13 - Navy FCU Sells $200 Million In Banking Services On Facebook
8/12/13 - Navy Federal Offers V.Me Digital Wallet
8/5/13 - Navy Federal Direct Deposit and Refer-a-Friend Bonuses
6/13/13 - Navy Federal Books Record $753 Million In Loans In May
6/3/13 - How The World’s Biggest Credit Union Uses Social Media
5/15/13 - Navy Federal’s Shred Day - Navy Shred-eral Day
5/8/13 - NFCU Military Appreciation Week -- 4% CD, Etc.
4/5/13 - Navy Federal Announces 1,500-Job Florida Expansion
2/27/13 - NAVY FCU Increases Rate To 3.50%
2/8/13 - Problem With Interest Checks From Navy Federal
1/7/13 - Long-Term CD Rates Fall at Navy Federal But Remain Competitive
1/4/13 - Add-On IRA CDs
9/17/12 - Special CD Rate and Other Deals for Navy Federal's Members Appreciation Week
9/20/12 - Navy Fed Member Appreciation Week
9/11/12 - Navy Federal To Hold First-Ever Worldwide Member Appreciation Week
9/4/12 - CD Rates Fall at Navy Federal But Remain Competitive
8/31/12 - Can A CD With Joint Owners Have A Beneficiary?
6/29/12 - Referral Bonus
5/1/12 - New CD Rates and Tiers at Navy Federal Credit Union - Limited Membership
4/12/12 - Top CD & IRA CD Rates at Navy Federal - Limited Membership
3/31/12 - Can Add On To Existing IRA CD Before 4/30
12/22/11 - Navy Federal's IRA CD Special & Top CD Rates - Limited Membership
11/6/11 - Navy Federal CU Now Offers Scan Deposits Service
9/13/11 - Special Easy Start 12-Mo. CD
7/29/11 - Rate Change
4/1/11 - Navy Federal Raises CD Rates Again - Available Nationwide But Limited Membership
3/1/11 - Higher CD & IRA CD Rates at Navy Federal Credit Union - Limited Membership
2/28/11 - 1 Year Easy Start CD
1/25/11 - Navy Federal Increases Special 30-Mo CD Rate, But Limits It To IRAs
12/7/10 - Rate Cut From Navy Federal Credit Union
11/18/10 - Special 30-Month CD and IRA Rate at Navy Federal Credit Union
10/31/10 - Update For Navy Federal Members Who Came From USA Fed
9/23/10 - USA Fed Members Soon To Become Navy Federal Members: Opportunity to Join Navy Federal?
9/28/10 - USA Federal To Merge Into Navy Federal - Impact To Navy's FOM?
9/6/10 - Navy Federal's CD Rates Fall But Remain Competitive
9/3/10 - Top CD and IRA CD Rates at Navy Federal But Rates May Fall Soon - Limited Membership
2/4/10 - Competitive Long-Term IRA CD Rates at Navy Federal Credit Union - Limited Membership
10/26/09 - 2.60% 30-Month CD at Navy Federal Credit Union - Nationwide but Limited Membership
3/10/09 - 3.25% 6-Month CD at Navy Federal Credit Union
3/10/09 - 4.60% 30-Month IRA CD & 3.50% 6-Month CD at Navy Federal Credit Union
1/24/09 - 3.75% 6-Month CD & 5.10% 84-Month CD Continue at Navy Federal Credit Union
1/16/09 - New CD Rates at Navy Federal Credit Union
10/17/08 - 4.00% 6-Month CD at Navy Federal Credit Union
10/13/08 - 5.10% 5-Year CD at Navy Federal Credit Union
7/28/08 - 4.00% 15-Month CD at Navy Federal Credit Union
5/29/08 - Navy Federal Credit Union Updates - Eligibility and My Recent CD Issues
10/7/07 - Navy FCU Updates - Jumbo CDs and $100 Checking Account Bonus
8/12/07 - Navy FCU's 6% 10-Month CD May Be Ending Early
7/2/07 - 6.00% 10-Month CD at Navy FCU - It's Now Official
7/2/07 - 6.00% 10-Month CD Starts Monday at Navy FCU
5/29/08 - Update on Navy FCU - Money Market Account, CDs and My Experience Joining
2/5/07 - It's Official, 6.00% 15-Month CD at Navy FCU
1/26/07 - 6.00% 15-Month CD at Navy FCU Starting Feb 5th
1/22/07 - 6.25% 84-Month CD at Navy Federal Credit Union
10/27/06 - 6.00% 84-Month CD at a Multi-State CU (Navy Federal)
8/16/06 - Navy Federal Still Offering 6.25% 18-month CD
7/3/06 - 6.25% 18-Month CD at a Multi-State CU (Navy Federal)
4/12/06 - 6.01% 48-Month CD at a CU Open to All

Reviews (109)

Glad to be a member!

Posted by: arob7733 | Dec 6, 2016

I have been a member of NFCU for over 10 years and I am glad to be a member! They offer great products, such as the EasyStart certificate. I am not the most savvy person when it comes to investing, so I like things that are easy to do online but also have an excellent customer service rep to back me up when I have questions. Navy Federal has both. The hold times are generally very short and I can always get a real person. I plan to roll some old 401Ks over into an IRA soon and they have a financial adviser that will walk me through everything, but if you know what you are doing, their website is very user-friendly.

My Navy Federal

Posted by: Donnalee44 | Dec 4, 2016

My experience with Navy Federal Credit Union has been the best of all my experiences with any banking institution. Since I am 74 years old, I have had experience with many institutions. All of my experiences with Navy Federal have been wonderful but one in particular stands out. On a Sunday afternoon, I went through the ATM and left my card in the slot and drove off. Down the street, I realized what I had done and went back. During that time, the man behind me took the card to the front door and since they were closed, he slipped it under the door. On Monday morning, I went to retrieve it but the clerk said their policy with found cards is to shred them. She helped me get a new card but I had several auto payments for monthly bills set up on my old card. The clerk took the time to go through my statements to see what payments were made by auto pay on my card and which ones were by checking account number. Then she helped me to notify them of my new card number. This clerk was so patient and friendly and really made me feel welcomed. All of my experiences with Navy Federal have been very positive and I often tell others about it.

Excellent Service

My loan was approved in minutes. Terrific service.

Great experience. Wonderful to use

Navy Federal Credit Union makes it real easy to do eDeposits. Just scan the check and sign the back. It usually takes within the hour for the first $100 to show in your account. This is great for paychecks or checks written to you. No longer are trips to the bank necessary. I have used this feature online as well on the NFCU app. Great, easy, and fast.

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Health
A

Health Grade Components

Overall
NCUA #5536
Year Chartered1947
Employees12954
Primary Regulator
Profit Margin
Return on Assets - YTD1.44%
Return on Equity - YTD12.59%
Annual Interest Income$0
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$78.50B$71.97B
LoansQ3 2016vs Q3 2015$57.06B$51.92B
DepositsQ3 2016vs Q3 2015$54.58B$47.84B
Equity CapitalQ3 2016vs Q3 2015$8.95B$7.66B
Loan Loss AllowanceQ3 2016vs Q3 2015$1.10B$971.9MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$546.8MM$471.9MM
Real Estate OwnedQ3 2016vs Q3 2015$14.5MM$17.1MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

New 17 Month 2.00% CD

CTRX   |  
Special 17-Month Certificate 2.00% APY (Share/IRA/ESA)Certificates | Navy Federal Credit Union|

Rates
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Always verify rates and promotions with the bank or credit union. We are not Navy Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Navy Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--IRA Share
0.25%--Share Savings
0.25%--SEP IRA Share
0.25%--ESA Share
0.25%--Roth IRA Share

Navy Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Jumbo Money Market Savings
OTHER TIERS: 0.25% Up to $100k
0.60%*$100k*-Jumbo IRA Money Market Savings
OTHER TIERS: 0.25% Up to $100k
0.55%*$50k*-IRA Money Market Savings
OTHER TIERS: 0.40% Up to $10k | 0.45% $10k - $25k | 0.50% $25k - $50k
0.55%*$50k*-Money Market Savings
OTHER TIERS: 0.40% Up to $10k | 0.45% $10k - $25k | 0.50% $25k - $50k
0.55%*$50k*-ESA Money Market Savings
OTHER TIERS: 0.40% Up to $10k | 0.45% $10k - $25k | 0.50% $25k - $50k

Navy Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$25k*-Flagship Checking
OTHER TIERS: 0.35% Up to $10k | 0.40% $10k - $25k
0.45%*$25k*-Premium Business Checking
OTHER TIERS: 0.35% Up to $10k | 0.40% $10k - $25k
0.05%--EveryDay Checking
0.05%--Campus Checking
0.05%--e-Checking
0.05%--Active Duty Checking
0.05%--Business Checking
0.05%--Business Plus Checking

Navy Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$50$3k12 Month Special EasyStart Certificate
2.05%*$100k*-7 Year CD
OTHER TIERS: 1.95% $1k - $20k | 2.00% $20k - $100k
2.00%$50$50k17 Month CD Special
1.95%*$100k*-6 Year CD
OTHER TIERS: 1.85% $1k - $20k | 1.90% $20k - $100k
1.90%*$100k*-5 Year CD
OTHER TIERS: 1.80% $1k - $20k | 1.85% $20k - $100k
1.70%*$100k*-4 Year CD
OTHER TIERS: 1.60% $1k - $20k | 1.65% $20k - $100k
1.60%*$100k*-3 Year CD
OTHER TIERS: 1.50% $1k - $20k | 1.55% $20k - $100k
1.35%*$100k*-24 Month CD
OTHER TIERS: 1.25% $1k - $20k | 1.30% $20k - $100k
1.25%*$100k*-18 Month CD
OTHER TIERS: 1.15% $1k - $20k | 1.20% $20k - $100k
1.15%*$100k*-12 Month CD
OTHER TIERS: 1.05% $1k - $20k | 1.10% $20k - $100k
1.13%$500-3 Year Variable Share Certificate
1.05%$100-12 Month EasyStart Certificate
0.75%*$100k*-9 Month CD
OTHER TIERS: 0.65% $1k - $20k | 0.70% $20k - $100k
0.65%*$100k*-6 Month CD
OTHER TIERS: 0.55% $1k - $20k | 0.60% $20k - $100k
0.60%--3 Month - 5 Year SaveFirst Account
0.55%*$100k*-3 Month CD
OTHER TIERS: 0.45% $1k - $20k | 0.50% $20k - $100k

Navy Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$50$3k12 Month Special EasyStart IRA
3.00%$50$3k12 Month Special EasyStart ESA
2.05%*$100k*-7 Year IRA
OTHER TIERS: 1.95% $1k - $20k | 2.00% $20k - $100k
2.05%*$100k*-7 Year ESA
OTHER TIERS: 1.95% $1k - $20k | 2.00% $20k - $100k
2.00%$50-17 Month IRA Specail
2.00%$50-17 Month ESA Specail
1.95%*$100k*-6 Year IRA
OTHER TIERS: 1.85% $1k - $20k | 1.90% $20k - $100k
1.95%*$100k*-6 Year ESA
OTHER TIERS: 1.85% $1k - $20k | 1.90% $20k - $100k
1.90%*$100k*-5 Year IRA
OTHER TIERS: 1.80% $1k - $20k | 1.85% $20k - $100k
1.90%*$100k*-5 Year ESA
OTHER TIERS: 1.80% $1k - $20k | 1.85% $20k - $100k
1.70%*$100k*-4 Year IRA
OTHER TIERS: 1.60% $1k - $20k | 1.65% $20k - $100k
1.70%*$100k*-4 Year ESA
OTHER TIERS: 1.60% $1k - $20k | 1.65% $20k - $100k
1.60%*$100k*-3 Year IRA
OTHER TIERS: 1.50% $1k - $20k | 1.55% $20k - $100k
1.60%*$100k*-3 Year ESA
OTHER TIERS: 1.50% $1k - $20k | 1.55% $20k - $100k
1.35%*$100k*-24 Month IRA
OTHER TIERS: 1.25% $1k - $20k | 1.30% $20k - $100k
1.35%*$100k*-24 Month ESA
OTHER TIERS: 1.25% $1k - $20k | 1.30% $20k - $100k
1.25%*$100k*-18 Month IRA
OTHER TIERS: 1.15% $1k - $20k | 1.20% $20k - $100k
1.25%*$100k*-18 Month ESA
OTHER TIERS: 1.15% $1k - $20k | 1.20% $20k - $100k
1.15%*$100k*-12 Month IRA
OTHER TIERS: 1.05% $1k - $20k | 1.10% $20k - $100k
1.15%*$100k*-12 Month ESA
OTHER TIERS: 1.05% $1k - $20k | 1.10% $20k - $100k
1.13%$500-3 Year Variable IRA
1.13%$500-3 Year Variable ESA
1.05%$100-12 Month EasyStart IRA
1.05%$100-12 Month EasyStart ESA
0.75%*$100k*-9 Month IRA
OTHER TIERS: 0.65% $1k - $20k | 0.70% $20k - $100k
0.75%*$100k*-9 Month ESA
OTHER TIERS: 0.65% $1k - $20k | 0.70% $20k - $100k
0.65%*$100k*-6 Month IRA
OTHER TIERS: 0.55% $1k - $20k | 0.60% $20k - $100k
0.65%*$100k*-6 Month ESA
OTHER TIERS: 0.55% $1k - $20k | 0.60% $20k - $100k
0.55%*$100k*-3 Month IRA
OTHER TIERS: 0.45% $1k - $20k | 0.50% $20k - $100k
0.55%*$100k*-3 Month ESA
OTHER TIERS: 0.45% $1k - $20k | 0.50% $20k - $100k
Locations

Navy Federal Credit Union has 291 locations. Click to view all Navy Federal Credit Union locations.