We're a member-owned and not-for-profit credit union exclusively serving the military, veterans and their families. Our members are owners, not just customers, and each one of them has a vote.

No monthly fees on most savings and checking accounts – Most deposit accounts through Navy Federal have no monthly maintenance fee. Large fee-free ATM network – Navy Federal members have access to more than 30,000 fee-free ATMs.

Mike Sarcinelli hits the ice with Navy Federal Credit Union during the 2022 NHL Stanley Cup Playoffs and has his childhood to thank for the win. Mike has always been a fan of hockey. He grew up watching the sport on TV and even playing a bit himself.

As of 10/15/2023, nRewards® Secured card rate is 18.00% APR and will vary with the market based on the U.S. Prime Rate. All other Navy Federal Credit Card rates range from 11.24% APR to 18.00% APR, are based on product type and creditworthiness, and will vary with the market based on the U.S. Prime Rate.

To join, apply online, stop by a branch to apply in person, or give us a call. You'll need your personal information and a method to fund your account. Text, Social security number, Driver's license or government ID, Credit card or bank account and routing number.

Our basic savings account provides you with: 1If you maintain an active checking account, Certificate, IRA or ESA, or have a current account with the credit union as a borrower, your savings account must have a minimum of $5. If not, your savings account must have a minimum of $50.

Navy Federal ATMs can be found at most branches or nearby locations, and they're free. Using your Navy Federal Debit Card or CUCARD® and PIN, you can make: Withdrawals.

The Bankrate promise

Mary McDuffie (Jan 18, 2019–)Navy Federal Credit Union / CEO Mary McDuffie is president and CEO of Navy Federal Credit Union, headquartered in Vienna, Virginia.

With your Navy Federal Credit Card, you can get cash advances at ATMs displaying your card's logo (Visa® or Mastercard®). You will be charged an ATM cash advance fee when you use an ATM not owned by Navy Federal.

You can choose between a Visa or Mastercard version The Navy Federal Credit Union® cashRewards Credit Card is a little different, as it lets you pick either a Visa or a Mastercard version during the application process.

The minimum initial deposit is typically $25 to $100 per account opening, depending on the financial institution. Navy Federal requires a minimum deposit of just $5 when you become a member and open a savings account.