U.S. Bank vs Navy Federal Credit Union
U.S. Bank is a big national bank with wide array of services and many account options. How does it compare to Navy Federal Credit Union? Read our comparison chart below.
U.S. Bank | Navy Federal Credit Union | |
|---|---|---|
U.S. Bank Platinum Business Checking - $1,200 Bonus | 12-Month EasyStart Certificate - 3.66% APY - | |
Benefits and Features | ||
| Savings | Bank Smartly® Savings: Minimum deposit $25. Monthly maintenance fee $5, unless you have a Bank Smartly® Checking, or Safe Debit account, or Bank Smartly™ Visa Signature® card, or for accounts with a minor under the age of 18. | 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 | Standard Term CD: 0.05% - 0.25% APY. Terms ranging from 1 month - 60 months. Minimum deposit of $500. Maximum deposit $250,000. | Standard Certificate: Up to 3.70% 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 | |
| Money Market | 0.01% - 0.05% APY, depending on amount. Minimum opening deposit $100. Monthly maintenance fee is $10 unless you open a U.S. Bank Smartly Checking account and enroll in the Smart Rewards® Gold tier or above, or maintain a $10,000 minimum daily balance. | |
| Mobile App | ||
| ATMs | 4,700+ U.S. Bank ATMs across the country | 360+ Navy Federal and more than 30,000 CO-OP Network ATMs |
| Customer Service | 24/7 Live Customer Service (Telephone) | Phone: 888-842-6328 24/7 customer support Online chat |
| IRA CD | Up to 3.70% APY. Terms of 3 months to 7 years. Minimum deposit of $1,000. | |
| IRA Money Market | Minimum opening deposit of $100 or $25 automatic monthly deposit. No monthly maintenance fees. | |
| Locations | ||
CreditDonkey® Reviews | ||
| Savings |   | |
| CD | | |
| Checking | | |
| Money Market | | |
| Mobile App |  | |
| Customer Service | | |
| Fees | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Big national bank with wide array of services and many account options... | Savings account with low APY, best for military personnel... |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. U.S. Bank: Pricing information from published website as of 04/28/2026 based on 91107 zip code. Navy Federal Credit Union: Pricing information from published website as of 04/14/2026 based on 91107 zip code. | ||
Which is Better: U.S. 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 U.S. Bank or Bank of America.
Articles on U.S. Bank
U.S. Bank
Weighing up on banking with U.S. Bank? This comprehensive review covers its pros, cons and how it stacks up against other banks.
U.S. Bank Savings Account Interest Rate
U.S. Bank offers a beginner-friendly savings account with a decent APY if you qualify for relationship rates. Is it worth it? Read on to find out.
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U.S. Bank Business Checking Requirements
Opening a U.S. Bank business checking account can be fast and easy. Most allow online application and require fewer documents than other banks.
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Chase vs U.S. Bank Business Account
U.S. Bank offers a free business checking account, while Chase offers more features. Which is better? Find out here.
U.S. Bank Checking Account Bonus
Get a bonus when you open a new account with U.S. Bank. Learn more about their bonuses to kick-start your banking journey.
U.S. Bank Business Checking Bonus
Boost your business with a business checking bonus from U.S. Bank. Learn how to make the most out of this offer.
U.S. Bank Routing Number
To transfer money in or out of your U.S. Bank checking or savings account, you'll need the right routing number. Find your U.S. Bank routing number below.
Articles on Navy Federal Credit Union
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Navy Federal Credit Union provides various financial products. But do they have a high-yield savings account? Find out here.
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