Axos Bank vs Navy Federal Credit Union

Axos Bank is a full-service online bank with excellent cashback and interest checking. How does it compare to Navy Federal Credit Union? Read our comparison chart below.

	Axos Bank	Navy Federal Credit Union
	Member FDIC
	Learn More	Learn More
	SPECIAL OFFER Rewards Checking - Up to 3.30% APY - Learn More Read Axos Bank Review	SPECIAL OFFER 12-Month EasyStart Certificate - 3.70% APY - Learn More Read Navy Federal Credit Union Review
	Benefits and Features
Savings	0.61% APY (balances under $25k); 0.25% APY ($25K-$100K); 0.15% APY ($100k and over)	Share Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership.
CD	0.20% APY. Terms of 3 months to 5 years. $1,000 minimum	Standard Certificate: Up to 3.75% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.
Checking	Rewards Checking: Up to 3.30% APY Cashback Checking: Up to 1% cashback	Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts
Money Market	0.25% APY
Mobile App	iOS & Android	iOS & Android
ATMs	approximately 91,000 partner ATMs	360+ Navy Federal and more than 30,000 CO-OP Network ATMs
Customer Service	24/7	Phone: 888-842-6328 24/7 customer support Online chat
IRA CD		Up to 3.75% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.
Locations	Online only	360+ branches
	CreditDonkey® Reviews

Savings
CD
Checking
Money Market
Mobile App
ATMs
Locations
Fees
Customer Service
Pros & Cons	Pros: Checking with rewards No monthly fee Domestic ATM rebates Cons: Low CD rates No physical branches	Pros: $0 monthly charge Extensive ATM network Cons: Low interest rate $5 opening deposit Only for members
Bottom Line	Full-service online bank with excellent cashback and interest checking... Read full review	Savings account with low APY, best for military personnel... Read full review
	Rewards Checking - Up to 3.30% APY Axos ONE - Earn up to 4.21% APY Basic Business Checking - Up to $200 Bonus	12-Month EasyStart Certificate - 3.70% APY 18-Month EasyStart Certificate - 3.60% APY 5-Year Certificate - 3.50% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Axos Bank: Pricing information from published website as of 11/21/2025. Navy Federal Credit Union: Pricing information from published website as of 12/30/2025 based on 91107 zip code.

Member FDIC

Rewards Checking - Up to 3.30% APY

Get Deal

Build your own APY with up to 3.30% APY*
Zero monthly maintenance fees
Zero overdraft or NSF fees
Zero minimum monthly balance reqs
No initial deposit requirement
Unlimited domestic ATM fee reimbursements
Online debit card management
Simple, 3-step process for direct deposit

Member FDIC

Axos ONE - Earn up to 4.21% APY

Learn More

Earn up to 4.21% APY* on savings, and 0.51% APY* on checking when you meet requirements.
Get your money up to 2 days early.
No monthly maintenance, minimum balance, account opening, or overdraft fees.

Member FDIC

Basic Business Checking - Up to $200 Bonus

Get Deal

Expires 6/30/2026

Open a Basic Business Checking account using promo code START200 by June 30, 2026.
Every dollar counts when you're starting out. That's why new businesses can earn up to $200 opening a new Basic Business Checking account today.
No initial deposit requirement
No minimum balance requirement
No monthly maintenance fees
Free domestic incoming wires. Two (2) outgoing domestic wire fees reimbursed per month.
Unlimited domestic ATM fee reimbursements
Unlimited item processing (debits, credits, and deposited items)
Cash deposits via MoneyPass and Allpoint networks

Which is Better: Axos Bank or Navy Federal Credit Union?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Axos Bank or Bank of America.

In short: Axos Bank's savings is notable.