Navy Federal Credit Union vs Chase

Navy Federal Credit Union is a savings account with low APY, best for military personnel. How does it compare to Chase? Read our comparison chart below.

	Navy Federal Credit Union	Chase
	SPECIAL OFFER 12-Month EasyStart Certificate - 3.80% APY - Learn More Read Navy Federal Credit Union Review	SPECIAL OFFER Chase Business Complete Banking® - Up to $500 Bonus - Learn More Read Chase Review
	Benefits and Features
Savings	Share Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership.	Chase Savings: 0.01% APY. $5 monthly service fee waived with either a $300 daily balance OR $25 automatic transfer every month from a linked Chase checking account, OR a linked Chase College Checking for Overdraft Protection, OR a linked qualifying Chase checking account, OR for owners under 18. $0 to open. Chase Premier Savings: Earn a higher interest rate when you have a bigger balance and meet certain relationship requirements when linked with a Chase Premier Plus Checking or Sapphire Checking account.
CD	Standard Certificate: Up to 3.85% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.	Terms of 1 month to 10 years. $1,000 minimum opening deposit. No monthly service fee.
Checking	Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts	Chase Total Checking® Chase Premier Plus Checking: An interest-bearing account with some perks. $25 monthly service waived with an average beginning day balance of $15,000 OR a Chase mortgage with auto pay. $0 minimum balance to open. Chase Sapphire Checking: A premium checking account for those with $75,000 or more on deposit with Chase. $0 minimum balance to open. Chase College Checking: No monthly service fee for college students age 17-24 at account opening with proof of student status, for up to 5 years. $0 to open. Chase Private Client Checking℠: For high net worth individuals who have $150,000 on deposit with Chase.
Mobile App	iOS & Android	iOS & Android
ATMs	360+ Navy Federal and more than 30,000 CO-OP Network ATMs	15,000+ Chase ATMs
Customer Service	Phone: 888-842-6328 24/7 customer support Online chat	Automated service available 24/7
IRA CD	Up to 3.85% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.
Locations	360+ branches	Over 4,700
	CreditDonkey® Reviews
Savings
Fees
Mobile App
Customer Service
CD
Checking
Pros & Cons	Pros: $0 monthly charge Extensive ATM network Cons: Low interest rate $5 opening deposit Only for members	Pros: More than 4,700 branches New customer coupons Full service banking Cons: Low savings rates Not in all states
Bottom Line	Savings account with low APY, best for military personnel... Read full review	National bank with good promotions for new customers... Read full review
	12-Month EasyStart Certificate - 3.80% APY 18-Month EasyStart Certificate - 3.70% APY 24-Month EasyStart Certificate - 3.50% APY	Chase Business Complete Banking® - Up to $500 Bonus Chase Private Client Checking℠ - Up to $3,000 Bonus Chase Total Checking® - $300 Bonus
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Navy Federal Credit Union: Pricing information from published website as of 10/10/2025 based on 91107 zip code. Chase: Pricing information and data points from published website as of 10/21/2025.

Which is Better: Navy Federal Credit Union or Chase?

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

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