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Navy Federal Credit Union Promotions

Read our in-depth review of Navy Federal Credit Union to see why Navy Federal Credit Union scored 3.5 stars out of 5. We like their $0 monthly charge and extensive atm network.

If you're looking for bank promotions, you must check out these offers.

3.95%

12-Month EasyStart Certificate - 3.95% APY

3.75%

18-Month EasyStart Certificate - 3.75% APY

3.55%

24-Month EasyStart Certificate - 3.55% APY

3.50%

5-Year Certificate - 3.50% APY

1.50%

3-Month Certificate - 1.50% APY

Share Savings Account

  • 0.25% APY
  • Requires $5 minimum deposit if you have an active checking account, Certificate, IRA or ESA, or have a current account as a borrower. If not, minimum deposit is $50.

Free EveryDay Checking

  • No monthly service fee
  • No minimum balance requirement
  • Federally insured by NCUA

Free Easy Checking

  • No monthly service fee with direct deposit or 20 debit transactions
  • No minimum balance requirement
  • NCUA-insured up to $250,000

Free Campus Checking

  • No monthly fee
  • No minimum balance requirement
  • Up to $120/year in ATM fee rebates
  • Navy Federal Debit Card with Zero Liability protection

EasyStart℠ Certificate

TermAPY
12 Months3.95%
18 Months3.75%
24 Months3.55%

EasyStart℠ Certificate

  • Up to 3.95% APY
  • Available terms are 12 to 24 months
  • $50 minimum deposit
$500

Referral Program - Up to $500 Bonus

Refer new Senior NCOs for membership, and you'll get $100 for each one who joins. Program must be mentioned at the time of joining for account to be credited and referred individuals must have referring member's name and Access Number.

Bank of America
Member FDIC

Bank of America Advantage Banking - Up to $500 Cash Offer

Expires 1/31/2026
  • The cash offer up to $500 is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new checking customers only.
  • Offer expires 1/31/2026.
  • To qualify, open a new eligible Bank of America Advantage Banking account through the promotional page and set up and receive Qualifying Direct Deposits* into that new eligible account within 90 days of account opening. Your cash bonus amount will be based on the total amount of your Qualifying Direct Deposits received in the first 90 days.
    Cash BonusTotal Qualifying Direct Deposits
    $100$2,000
    $300$5,000
    $500$10,000+
  • If all requirements are met 90 days after account opening, Bank of America will attempt to deposit your bonus into your new eligible account within 60 days.
  • Bank of America Advantage SafeBalance Banking® for Family Banking accounts are not eligible for this offer.
  • Additional terms and conditions apply. See offer page for more details.
  • *A Qualifying Direct Deposit is a direct deposit of regular monthly income – such as your salary, pension or Social Security benefits, which are made by your employer or other payer – using account and routing numbers that you provide to them.
  • Bank of America, N.A. Member FDIC.
Wells Fargo

Wells Fargo Everyday Checking Account - $325 Bonus

Expires 10/15/2025
  • Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
  • Wells Fargo Bank, N.A. Member FDIC

Navy Federal Credit Union Trending Offers

Last hour12-Month EasyStart Certificate - 3.95% APY selected by a visitor from Ohio
YesterdayReferral Program - Up to $500 Bonus selected by a visitor from Virginia
2 days agoFree Easy Checking selected by a visitor from Connecticut
2 days agoFree EveryDay Checking selected by a visitor from Arizona
2 days agoFree Campus Checking selected by a visitor from New York

Navy Federal Credit Union CD Rates

What is Navy Federal Credit Union's CD rates?
  • 12-Month EasyStart Certificate - 3.95% APY
  • 18-Month EasyStart Certificate - 3.75% APY
  • 24-Month EasyStart Certificate - 3.55% APY
  • 5-Year Certificate - 3.50% APY
  • 3-Month Certificate - 1.50% APY

Pricing information from published website as of 03/24/2025 based on 91107 zip code.

 Bank of America
Member FDIC
 Learn MoreLearn More
 

Navy Federal Credit Union

Bank of America

 

Benefits and Features

SavingsShare Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership.Bank of America Advantage Savings Standard Rate: 0.01% APY
CDStandard Certificate: as high as 4.05%. Terms of 3 months to 7 years. Minimum deposit of $1,000.
  • 7-Month CD - 3.75% APY
  • 10-Month CD - 3.45% APY
  • 13-Month CD - 2.50% APY
  • 25-Month CD - 2.00% APY
  • 37-Month CD - 0.11% APY
  • 1-Month CD - 0.03% APY
  • 120-Month CD - 0.03% APY
CheckingFree Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts
Check
Mobile App
iOS & Android
iOS & Android
ATMs360+ Navy Federal and more than 30,000 CO-OP Network ATMs
Approximately 15,000+ ATMs
Customer ServicePhone: 888-842-6328
24/7 customer support
Online chat
  • Monday -Friday: 8AM - 9PM ET
  • Saturday: 9AM - 6PM ET
  • Sunday: 8AM - 5PM ET
IRA CDAs high as 4.05%. Terms of 3 months to 7 years. Minimum deposit of $1,000.
Check
Locations
360+ branches
3,700 financial centers
 Learn MoreLearn More

Navy Federal Credit Union: Pricing information from published website as of 03/24/2025 based on 91107 zip code.

Bank of America: Pricing information from published website as of 09/10/2025 based on 91107 zip code.


Navy Federal Credit Union Alternatives

Bank of America
Member FDIC

Bank of America® Business Advantage Banking Checking Account - $200 Bonus Offer

Expires 12/31/2025
  • The $200 bonus offer is an online only offer and must be opened through the Bank of America promotional page.
  • The offer is for new eligible business checking customers only.
  • Offer expires 12/31/2025.
  • To qualify, deposit $5,000 or more in New Money* directly into a new eligible Bank of America Business Advantage Banking account within thirty (30) days of account opening.
  • Maintain an average balance of $5,000 in that new Business Advantage Banking account during the Maintenance Period**.
  • Once all requirements are met, Bank of America will attempt to pay bonus within 60 days.
  • Additional terms and conditions apply. See offer page for more details.
  • *New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or Merrill investment accounts.
  • ** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.
  • Bank of America, N.A. Member FDIC
Wells Fargo

Wells Fargo Everyday Checking Account - $325 Bonus

Expires 10/15/2025
  • Get a $325 new checking customer bonus when you open an Everyday Checking account and receive $1,000 or more in qualifying direct deposits.
  • Wells Fargo Bank, N.A. Member FDIC
Discover Bank
Member FDIC

Discover® Online Savings - $200 Cash Bonus

Expires 3/12/2026

To qualify for Bonus: Apply for your first Discover Online Savings Account, enter Offer Code CY925 at application, deposit into your Account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus. Qualifying deposit(s) may consist of multiple deposits and must post to Account within 45 days of account open date. Maximum bonus eligibility is $200.

What to know: Offer not valid for existing or prior Discover savings customers. Eligibility is based on primary account owner. Account must be open when bonus is credited. Bonus will be credited to the account within 60 days of qualifying for the bonus. Bonus is subject to tax reporting. Offer ends 03/12/2026, 11:59 PM ET. Offer may be modified or withdrawn without notice. Due to new customer funding limits, you may wish to initiate fund transfers at your other institution. For information on funding, see FAQs on Discover.com/Bank. See advertiser website for full details.

U.S. Bank
Member FDIC

U.S. Bank Business Essentials - $400 Bonus

Expires 9/30/2025

Promo code Q3AFL25 MUST be used when opening a U.S. Bank Business Essentials or Platinum Business Checking account. Limit of one bonus per business. A $100 minimum deposit is required to open one of the referenced accounts.

Earn your $400 Business Checking bonus by opening a new U.S. Bank Business Essentials account between 7/1/2025 and 9/30/2025. You must make deposit(s) of at least $5,000 in new money within 30 days of account opening and thereafter maintain a daily balance of at least $5,000 until the 60th day after account opening. You must also complete 5 qualifying transactions within 60 days of account opening.

Qualifying transactions include debit card purchases, ACH credits, Wire Transfer credits and debits, Zelle credits and debits, U.S. Bank Mobile Check Deposit or Bill Pay. Other transactions such as (but not limited to) other Person to Person payments, transfers to credit card or transfers between U.S. Bank accounts are not eligible.

New money is considered money that is new to U.S. Bank. Funds must come from outside U.S. Bank and cannot be transferred from another U.S. Bank product or a U.S. Bank Affiliate. For accounts opened on non-business days, weekends or federal holidays, the open date is considered the next business day. Account fees (e.g., monthly maintenance, paper statement fee, etc.) could reduce the qualifying daily balance, therefore you must make deposit(s) to cover the fees to maintain the daily balance during the qualifying period to be awarded the bonus. Refer to the Business Pricing Information or Business Essentials® Pricing Information Document for a list of fees.

Bonus will be deposited into your new eligible U.S. Bank Business Checking account within 30 days following the last calendar day of the month you complete all of the offer requirements, as long as the account is open and has a positive available balance.

Offer may not be combined with any other business checking account bonus offers. Existing customers (businesses) with a business checking account or customers (businesses) who had an account in the last 12 months, do not qualify.

All regular account-opening procedures apply. For a comprehensive list of checking account pricing, terms and policies, reference your Business Pricing Information or Business Essentials® Pricing Information and YDAA disclosure. These documents can be obtained by contacting a U.S. Bank branch or calling 800.872.2657.

Bonus will be reported as interest earned on IRS Form 1099-INT and recipient is responsible for any applicable taxes. Current U.S. Bank employees are not eligible. U.S. Bank reserves the right to withdraw this offer at any time without notice. Member FDIC

CIT Bank
Member FDIC

CIT Bank Platinum Savings - 4.00% APY

  • 4.00% APY with a balance of $5,000 or more
  • 0.25% APY with a balance of less than $5,000
  • $100 minimum opening deposit
  • No monthly maintenance fee
  • Member FDIC

Articles on Navy Federal Credit Union

Navy Federal High Yield Savings

Navy Federal Credit Union provides various financial products. But do they have a high-yield savings account? Find out here.

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More Bank Promotions

Bank of America
Member FDIC

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Bank of America Advantage Banking - Up to $500 Cash Offer
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Member FDIC

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Wells Fargo Everyday Checking Account - $325 Bonus
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