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.
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
- Up to 3.70% APY
- Available terms are 12 to 24 months
- $50 minimum deposit
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.
Compare Promotions
Bank of America Advantage Banking - Up to $500 Cash Offer
- 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 Bonus Total 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 Everyday Checking Account - $325 Bonus
- 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
Chase Total Checking® - $400 Bonus
- New Chase checking customers can receive $400 when you open a Chase Total Checking® account and make direct deposits totaling $1,000 or more within 90 days of coupon enrollment.
- Unlock more offers with Chase. Get up to $500 per calendar year by referring friends and family. Plus, get cash back from top brands with Chase Offers when you use your debit card.
- Chase Total Checking® has a $15 monthly service fee, you can easily avoid the fee with direct deposits totaling $500 or more, or a minimum average daily balance each statement period.
- Chase Overdraft Assist℠ – no overdraft fees if you're overdrawn by $50 or less at the end of the business day or if you're overdrawn by more than $50 and bring your account balance to overdrawn by $50 or less at the end of the next business day*
- Chase Mobile® app makes banking simple. Manage accounts, pay bills, send money to friends with Zelle® and deposit checks on the go with Chase Quick Deposit℠.
- Chase has the largest branch network in the U.S. with thousands of ATMs and branches. Use the Chase locator tool to find a branch or ATM near you.
- Chase helps keep your money protected with features like Zero Liability Protection, fraud monitoring and card lock.
- Chase Total Checking includes FDIC insurance up to the maximum amount allowed by law.
Navy Federal Credit Union Trending Offers
| Yesterday | 5-Year Certificate - 3.50% APY selected by a visitor from Georgia |
| Yesterday | 18-Month EasyStart Certificate - 3.60% APY selected by a visitor from Oregon |
| Yesterday | Referral Program - Up to $500 Bonus selected by a visitor from Florida |
| 1 days ago | 12-Month EasyStart Certificate - 3.70% APY selected by a visitor from California |
| 2 days ago | Free EveryDay Checking selected by a visitor from Georgia |
Navy Federal Credit Union CD Rates
- 12-Month EasyStart Certificate - 3.70% APY
- 18-Month EasyStart Certificate - 3.60% APY
- 5-Year Certificate - 3.50% APY
- 24-Month EasyStart Certificate - 3.45% APY
- 3-Month Certificate - 1.35% APY
Highlights
Share Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership.
Standard Certificate: Up to 3.75% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.
Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts
iOS & Android
360+ Navy Federal and more than 30,000 CO-OP Network ATMs
Phone: 888-842-6328
24/7 customer support
Online chat
Up to 3.75% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000.
360+ branches
Pricing information from published website as of 12/30/2025 based on 91107 zip code.
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| Learn More | Learn More | |
Navy Federal Credit Union | Bank of America | |
|---|---|---|
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. | Bank of America Advantage Savings Standard Rate: 0.01% APY |
| CD | Standard Certificate: Up to 3.75% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000. |
|
| Checking | Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts | |
| Mobile App | ||
| ATMs | 360+ Navy Federal and more than 30,000 CO-OP Network ATMs | |
| Customer Service | 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 | ||
| Learn More | Learn More | |
Navy Federal Credit Union: Pricing information from published website as of 12/30/2025 based on 91107 zip code. Bank of America: Pricing information from published website as of 01/09/2026 based on 91107 zip code. | ||
Navy Federal Credit Union Alternatives
Bank of America® Business Advantage Banking - $400 or $750 Cash Bonus Offer
- The $400 or $750 cash 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 12/31/2026.
- To qualify, a new Business Advantage Relationship Banking or Business Advantage Fundamentals™ Banking account through the promotional page and deposit New Money* directly into that new eligible account within thirty (30) days of account opening (“Deposit Period”). At the
end of the Deposit Period, all New Money deposits made directly into new eligible Business Advantage Banking account will be totaled to determine which Balance Requirement you have met and which corresponding Cash Bonus Tier you
are eligible for.
Balance Requirement Cash Bonus Tier $5,000 $400 $15,000 $750 - Maintain a daily balance in that new Business Advantage Banking account that meets the applicable Balance Requirement during the Maintenance Period**
- After you satisfy all of the requirements, Bank of America will attempt to deposit your earned bonus directly into your new eligible Bank of America Business Advantage Banking account within 60 days.
- Additional terms and conditions apply. See offer page for more details.
- *New Money is new funds deposited into your Business Advantage Banking account that are not transfers from other Bank of America 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 Everyday Checking Account - $325 Bonus
- 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
Chase Secure Banking℠ - $125 Bonus
- New Chase checking customers enjoy a $125 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Open online or at any Chase branch.
- Set up direct deposit and you may get your money up to two business days early—exclusively for Chase Secure Banking℠ customers.
- No minimum deposit to open an account and get started plus no overdraft fees with a Chase debit card that helps you stay within your balance.
- No need to worry about overdraft fees - Chase Secure Banking℠ allows you to spend only the money you have available.
- Chase Secure Banking℠ customers told us they save an average of more than $40 per month on fees after opening their account.
- Pay bills, cash checks and send or receive money with Zelle® with a Chase Secure Banking℠ account.
- Chase makes it easy for you to access your money from anywhere with the Chase Mobile® app, plus thousands of ATMs and branches.
- JPMorgan Chase Bank, N.A. Member FDIC.
U.S. Bank Business Essentials - $400 Bonus
Promo code Q1AFL26 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.
To earn a business checking bonus, open a qualifying U.S. Bank business checking account between 1/15/2026 and 3/31/2026. Make the required deposit(s) in new money within 30 days of account opening, maintain the same required daily balance through the 60th day, and complete 6 qualifying transactions based on posted date within 60 days of account opening.
Business Essentials: $400 bonus with $5,000 new money deposits, daily balance, and 6 qualifying transactions.
Qualifying transactions include debit card purchases, ACH and wire credits or debits, Zelle credits or debits, U.S. Bank Mobile Check Deposit, electronic or paper checks, Bill Pay (excluding payments made by credit card), and payment received via U.S. Bank Payment Solutions. Other transactions, such as person-to-person payments, credit card transfers, or transfers between U.S. Bank accounts, are not eligible.
New money is defined as funds 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 may reduce the required daily balance during the qualifying period.
Bonus will be deposited into your new eligible U.S. Bank business checking account within 30 days after the month-end in which all offer requirements are met, provided the account remains open with a positive available balance.
Offer may not be combined with other business checking bonus offers. Existing businesses with a business checking account or had one closed within the past 12 months, do not qualify.
All regular account-opening procedures apply. For full checking account pricing, terms and policies, refer to your Business Pricing Information, Business Essentials Pricing Information, and YDAA disclosure. These documents are available at any U.S. Bank branch or by 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 Platinum Savings - $300 Bonus
- Qualify for a $300 cash bonus with a minimum deposit of $50,000
- This limited time offer to qualify for a $225 cash bonus with a minimum deposit of $25,000 or a $300 bonus with a minimum deposit of $50,000 is available to New and Existing Customers who meet the Platinum Savings promotion criteria. The Promotion begins on September 23, 2025 and can end at any time without notice.











