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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. Military veterans who were honorably discharged are also eligible. Membership is also open to immediate family of current members or those eligible for membership.
See current membership details

Related Posts

Navy Fed Ends a Backdoor Way To Qualify for Membership - 5/15/2017

Last December I reported on a little-known way to qualify for Navy Fed Membership. This backdoor to Navy Fed membership has been closed.

New May 4, 2017 - 5/4/2017

New rate as of this morning. One-year (12 month) CD at 3% APY.

Navy Federal CD Update: 17-Month Special Ends, Standard Rates Up - 5/1/2017

Navy Fed raised their certificate rates. The new short-term certificate rates are the most competitive. These include a 12-month (1.30%) and a 24-month (1.60%).

View all posts from:

12/15/14 - Bulk Of Navy FCU's Income Stems From Fees
12/1/14 - Navy Federal CU Has Top Rate 20-month and 30-month IRA Specials
11/5/14 - Navy Federal Among First To Debut Apple Pay
9/13/14 - Navy Federal To Be One Of First Financial Institutions Offering Apple Pay
9/5/14 - Nice 1-Year CD Special at Navy Federal Credit Union
9/2/14 - 5% 1 Year $5000 Max CD
7/1/14 - Navy Federal Credit Union Is Growing Its Footprint, In Virginia And Florida.
6/6/14 - Problems With Navy Federal Credit Union
5/20/14 - World’s Largest Credit Union Is Getting Bigger
5/4/14 - Navy Federal Appreciation Week CD Offer
5/2/14 - 3-Year CD Rate Cut
3/3/14 - Navy Federal Cuts CD Rates But They Remain Competitive
2/25/14 - Navy Federal Credit Union Online Account Access Down
1/20/14 - Navy Federal Growing Auto And Business Loans
1/20/14 - Big CD Rate Increases at Navy Federal Credit Union
1/20/14 - Rate Increases
1/17/14 - Navy Federal Credit Union New Member and IRA Promotions
1/6/14 - Nice IRA CD Features at Navy Federal Credit Union
9/17/13 - Navy FCU Sells $200 Million In Banking Services On Facebook
8/9/13 - 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.
4/4/13 - Navy Federal Announces 1,500-Job Florida Expansion
2/26/13 - 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
9/17/12 - Navy Fed Member Appreciation Week
9/5/12 - Navy Federal To Hold First-Ever Worldwide Member Appreciation Week
9/4/12 - CD Rates Fall at Navy Federal But Remain Competitive
8/30/12 - 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
2/27/12 - 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?
9/22/10 - 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 - Update on Navy FCU - Money Market Account, CDs and My Experience Joining
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 Starts Monday at Navy FCU
7/2/07 - 6.00% 10-Month CD at Navy FCU - It's Now Official
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 (121)

Overall Great Credit Union

I love this credit union. Although I have never been into a brick and mortar credit union, I have an active on-line account. I am not in the service but my son is. When I had to transfer him money ASAP because he needed to pay for his hotel in a foreign country and the money was sent to him immediately. They also actively monitor your debit card for an fraudulent charges and will call you on suspicious activity. I love these guys.

Navy Federal

I opened a Navy Federal checking and savings account about 6 months ago. I used to bank with USAA. I have been in the Military for a little over 7 years and I travel a lot due to deployments, trainings, and changing duty stations. I decided to switch from USAA to Navy Federal because I hated not being able to walk into an actual bank and having to call all the time. About 6 months ago, I decided to give Navy Federal a try since I had a lot of co-workers tell me that they provide excellent service. I went in and opened a checking and savings account in about 5 minutes. Since then, I have not had any issues with Navy Federal. They have 24 hour support service through the telephone. Their online banking is superb, also. Overall, I haven't had an issue with traveling yet. I had to go to a military school for 2 months in a different state and Navy Federal didn't give me any issues as far as stopping my account when I was traveling. They make it really easy to transfer funds via the mobile app and anyone that has a Navy Federal app can receive transfers from me and they can transfer funds to me in a flash. Best bank in my 16 years that I have tried!

Navy Federal Credit Union

We have been with the Navy Federal Credit Union since the early 80's. My husband has been retired from the Navy in 1998 and we still use the Credit Union for our checking and savings account. Even though we don't have a physical location near us, we are able to do anything we need to either by internet or over the phone. They are always so helpful and accommodating! We especially love that we can take a picture of a check and send it to them and it's deposited in our account by the next morning! It's flawless! We highly recommend the Navy Federal Credit Union!

I Love Navy Federal Credit Union

I love this Great Credit Union. I was with USA Federal Credit then Navy Federal bought them out. I have all the same and more benefits. I have move across to AR now and still working on Mobile I am still with them. They have been so great for many years. I will be with them for many years to come. Thank you Navy Federal Credit Union.

Bryan for AR

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Health

Health Grade Components

Overall
NCUA #5536
Year Chartered1947
Employees13310
Primary Regulator
Profit Margin
Return on Assets - YTD1.51%
Return on Equity - YTD13.66%
Annual Interest Income$0
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$79.78B$73.28B
LoansQ4 2016vs Q4 2015$58.84B$53.29B
DepositsQ4 2016vs Q4 2015$55.88B$48.87B
Equity CapitalQ4 2016vs Q4 2015$8.77B$7.74B
Loan Loss AllowanceQ4 2016vs Q4 2015$1.13B$966.0MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$629.0MM$503.4MM
Real Estate OwnedQ4 2016vs Q4 2015$18.2MM$19.1MM
  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 May 4, 2017

Fifi   |  
New rate as of this morning. One-year (12 month) CD at 3% APY.

System Reset

Anon456   |  
I tried to log into my account today. Had trouble, but it finally took me into the next page .... wanted to review challenge questions. BUT, it did not take me to my questions, but rather, wanted everything entered NEW. Same with phone numbers.

I called CS. Turns out their system did a reset today. Looks like some accounts had the front end info wiped out. My wife's account also had trouble signing in. Did a PW reset, then her challenge questions were in tact.

?? - just a heads up in case you also hit this speed bump.

Rates
Report an Issue

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
2.15%*$100k*-7 Year CD
OTHER TIERS: 2.10% $1k - $100k
2.10%*$100k*-6 Year CD
OTHER TIERS: 2.05% $1k - $100k
2.05%*$100k*-5 Year CD
OTHER TIERS: 2.00% $1k - $100k
1.85%*$100k*-4 Year CD
OTHER TIERS: 1.80% $1k - $100k
1.70%*$100k*-3 Year CD
OTHER TIERS: 1.65% $1k - $100k
1.60%*$100k*-24 Month CD
OTHER TIERS: 1.55% $1k - $100k
1.45%*$100k*-18 Month CD
OTHER TIERS: 1.40% $1k - $100k
1.39%$500-3 Year Variable Share Certificate
1.30%*$100k*-12 Month CD
OTHER TIERS: 1.25% $1k - $100k
1.25%$100-12 Month EasyStart Certificate
0.85%*$100k*-9 Month CD
OTHER TIERS: 0.80% $1k - $100k
0.75%*$100k*-6 Month CD
OTHER TIERS: 0.70% $1k - $100k
0.60%--3 Month - 5 Year SaveFirst Account
0.55%*$100k*-3 Month CD
OTHER TIERS: 0.50% $1k - $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
2.15%*$100k*-7 Year IRA
OTHER TIERS: 2.10% $1k - $100k
2.15%*$100k*-7 Year ESA
OTHER TIERS: 2.10% $1k - $100k
2.10%*$100k*-6 Year IRA
OTHER TIERS: 2.05% $1k - $100k
2.10%*$100k*-6 Year ESA
OTHER TIERS: 2.05% $1k - $100k
2.05%*$100k*-5 Year IRA
OTHER TIERS: 2.00% $1k - $100k
2.05%*$100k*-5 Year ESA
OTHER TIERS: 2.00% $1k - $100k
1.85%*$100k*-4 Year IRA
OTHER TIERS: 1.80% $1k - $100k
1.85%*$100k*-4 Year ESA
OTHER TIERS: 1.80% $1k - $100k
1.70%*$100k*-3 Year IRA
OTHER TIERS: 1.65% $1k - $100k
1.70%*$100k*-3 Year ESA
OTHER TIERS: 1.65% $1k - $100k
1.60%*$100k*-24 Month IRA
OTHER TIERS: 1.55% $1k - $100k
1.60%*$100k*-24 Month ESA
OTHER TIERS: 1.55% $1k - $100k
1.45%*$100k*-18 Month IRA
OTHER TIERS: 1.40% $1k - $100k
1.45%*$100k*-18 Month ESA
OTHER TIERS: 1.40% $1k - $100k
1.39%$500-3 Year Variable IRA
1.39%$500-3 Year Variable ESA
1.30%*$100k*-12 Month IRA
OTHER TIERS: 1.25% $1k - $100k
1.30%*$100k*-12 Month ESA
OTHER TIERS: 1.25% $1k - $100k
1.25%$100-12 Month EasyStart IRA
1.25%$100-12 Month EasyStart ESA
0.85%*$100k*-9 Month IRA
OTHER TIERS: 0.80% $1k - $100k
0.85%*$100k*-9 Month ESA
OTHER TIERS: 0.80% $1k - $100k
0.75%*$100k*-6 Month IRA
OTHER TIERS: 0.70% $1k - $100k
0.75%*$100k*-6 Month ESA
OTHER TIERS: 0.70% $1k - $100k
0.55%*$100k*-3 Month IRA
OTHER TIERS: 0.50% $1k - $100k
0.55%*$100k*-3 Month ESA
OTHER TIERS: 0.50% $1k - $100k
Locations

Navy Federal Credit Union has 295 locations. Click to view all Navy Federal Credit Union locations.