Here you will find the latest Navy Federal Credit Union bonuses, offers, and promotions.
Update 10/7/24: There’s currently a $200 digital investor bonus available through 12/31/24.
Navy Federal Credit Union Review
Navy Federal Credit Union has a long-standing history catered to active/retired military service members. Today, Navy Federal Credit Union is headquartered in Vienna, Virginia, and serves more than 8 million members. The credit union serves its members through numerous locations in states all across the country. If you want to find out more about the bank, visit a local branch, and get started.
| Eligibility: Membership is open to members of active duty Army, Marine Corps, Navy, Air Force, Coast Guard, Army and Air National Guard, Department of Defense Officer Candidate/ROTC, Department of Defense Reservists, retirees from military service, Department of Defense civilian employees and contractors and retirees, U.S. Government Employees Assigned to Department of Defense Installations. Membership is also open to immediate family of current members or those eligible for membership. For a full list of eligibility see their full list of membership requirements. |
I’ll go over all Navy Federal Credit Union offers below.
Navy Federal Credit Union $100 Referral Bonus
Navy Federal Credit Union is offering a $100 bonus when you refer new Senior NCOs to the credit union. There is no expiration date listed.
- What you’ll get: $100 Bonus
- Eligible account: Personal Checking Account
- Where it’s available: Nationwide (Bank Locator)
- Credit Inquiry: Soft Pull
- How to earn it:
- Earn a $100 bonus when you refer new Senior NCOs to the credit union
- Have your referral open a new personal checking account and complete the minimum opening deposit
- Once account is open get $100, up to $500 in referral bonus
- Senior NCOs are considered Active Duty, National Guard and Reserves E-7 through E-9 and be at least 18 years of age.
(Limited time offer)
| Chase Total Checking ($300 Bonus) | KeyBank Checking ($300 bonus) |
| Bank of America Checking ($300 Bonus Offer) | SoFi Checking & Savings Account ($325 bonus) |
Fine Print
- Offer can expire anytime without prior notice.
- To receive the $100 bonus, the person referred for membership must be Active Duty, National Guard, and Reserves E-7 through E-9 and be at least 18 years of age.
- Referring members must be at least 18 years of age and in good standing.
- Recruiters are not eligible to refer to recruits.
- Accounts must be in good standing
- Limit 5 referrals per member.
- Navy Federal employees and their immediate family are not eligible to participate in this program.
- The recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive.
Navy Federal Credit Union $200 Digital Investor Bonus
- What you’ll get: $200 Bonus
- Eligible account: Digital Investor Account
- Where it’s available: Nationwide
- How to earn it:
- How Do I Qualify for the $200 Digital Investor Offer?
- Must be 18 years or older.
- Must join and open a Navy Federal Credit Union checking account and a Digital Investor account as the primary account owner between Oct. 1 and Dec. 31, 2024. Joint and Custodial accounts are not eligible.
- Must establish a recurring deposit. The recurring deposit frequency may be daily, weekly or monthly, but must result in at least 1 recurring deposit per month for 3 consecutive months within 90 days of opening new Digital Investor account.
- Once you meet all of these requirements, you’ll receive up to a $200 deposit into your Digital Investor account within 30 days of the 3rd consecutive month of recurring deposits!
- Match amount is dollar for dollar up to $200 based upon total amount of recurring deposits made that meet the requirements. Cumulative deposits totaling more than $200 will be met with a match not to exceed $200. Matching incentive amount will be credited as interest income. For individual retirement accounts (IRAs), the deposit will not count as a contribution. Limit one match up to $200 per member.
(Expires 12/31/2024)
| J.P. Morgan Self-Directed Investing (Up to $700 Cash) | TradeStation ($150 Cash) |
| E*TRADE (Up to $6,000 Cash) | |
Fine Print
- Offer valid October 1 – December 31, 2024, and can expire anytime without prior notice.
- To qualify for the $200 match, you must be 18 years or older and eligible for membership; join Navy Federal between October 1 – December 31, 2024; open a new Digital Investor account by December 31, 2024; and make at least 1 recurring deposit per month for 3 consecutive months within 90 days of opening new Digital Investor account.
- Navy Federal membership is open to members of the Coast Guard, all Department of Defense uniformed personnel, reservists, Active Duty, retired, Veterans, Army and Air National Guard, DoD civilian employees, contractors, and their immediate family. $5 minimum balance is required to open and maintain Membership Savings Account and to obtain incentive match.
- Membership Savings Account Annual Percentage Yield (APY) 0.25%, effective 8/22/2024.
- Fees may reduce earnings, and rate may change.
- If you are a member of another FINRA member firm, you are ineligible from receiving this incentive match.
- Limit one (1) match up to $200 per member access number.
- New member must be the primary account owner of the Digital Investor account to qualify.
- Joint and Custodial accounts are not eligible.
- Match amount is dollar for dollar up to $200 based upon total amount of recurring deposits made that meet the requirement for having at least 1 recurring deposit per month for 3 consecutive months within 90 days of opening new Digital Investor account.
- A Navy Federal checking account is required to open a Digital Investor account.
- Depositing funds into a Digital Investor account can only be done with a Navy Federal checking account.
- Digital Investor has no minimum balance requirement.
- Up to $200 match will be deposited into Digital Investor account within 30 days after the third consecutive month of recurring deposits.
- Available automatic/recurring deposit frequencies: daily, weekly, monthly.
- Manual deposits are not eligible for this offer.
- For all IRA account types, the match amount will not count toward your annual IRA contribution limit and is considered interest income.
- Members may consult a tax consultant or obtain legal advice regarding any tax implications related to the incentive matched investment amount.
- Recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive.
- Navy Federal does not provide tax advice.
- By accepting this incentive, recipient acknowledges that no representations have been made to the recipient by Navy Federal regarding tax consequences or other legal implications of receiving this incentive.
Navy Federal Credit Union $50 IRA Bonus (Expired)
Navy Federal Credit Union is offering a $50 bonus when you open a new IRA account and complete the requirements.
- What you’ll get: $50 Bonus
- Eligible account: IRA Account
- Where it’s available: Nationwide
- How to earn it:
- To qualify for the $50 bonus, members must open their first IRA plan and deposit a minimum of $50 in the new IRA account no later than 45 days after account opening.
- Once the $50 required minimum balance has been deposited to the IRA, Navy Federal will credit the bonus directly into the new IRA account within 45 days.
(Limited time offer)
| J.P. Morgan Self-Directed Investing (Up to $700 Cash) | TradeStation ($150 Cash) |
| E*TRADE (Up to $6,000 Cash) | |
Fine Print
- The bonus will be credited to the IRA in the form of a dividend and will not be reportable as a contribution.
- Account must be in good standing for credit to be processed.
- Penalties apply for early withdrawals from the certificate, including any earned dividends.
- Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the dividend.
- Taxes related to the $50 IRA bonus are the member’s responsibility.
- Navy Federal does not provide tax advice.
- Other restrictions may apply.
How To Avoid Monthly Fees
No monthly fees
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Conclusion
We will be updating this page with new Navy Federal Credit Union Bonuses and offers so check back regularly! In my opinion, this offer is decent considering it triggers a soft pull. However, definitely act soon as this promotion may end at any time!
Navy Federal Credit Union has a decent bonus, but not so great CD and Savings rates, so check out our best rates Savings, Money Market, and CD accounts.
If you’re not local to the state of Indiana, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.
Feel free to comment on this post with any questions you may have about Navy Federal Credit Union, their accounts they offer, or coupon codes.
Check back often for more Navy Federal Credit Union Bonuses, Promotions, or Offers!
ACCESS NUMBER:6218077
Name: Corneal Stewart
You must be military affiliated or dod employee. $50 referral bonus.
But it’s asking for sob and last four of Social ? Now what ? Arghh
D.o.b I mean
03-28-1985
Saying it requires your birthday your full name and the last four you social is this correct or am I clicking on the wrong link when I’m trying to apply as a member
When else are they open for joining really want to Join Navy federal anyone with information
ACCESS NUMBER:6218077
Name: Corneal Stewart
I have some referrals
How often does navy federal credit union do this? Both my sisters want to sign up but we want to wait till they’re offering the promotion again
If you are still looking to join still, Navy Federal is running another bonus opportunity.
Get $25 FREE for opening a new account.
You can use my access number 9384949 and my last name Hinkley if you’d like.
Thanks i will love to use it and thanks
Its saying I need to show relationship
Can I use it?
I was just wondering if the $50 pro.option was still going on?
Stephaine – the promotion expired on 9/30/2016.
ACCESS NUMBER:6218077
Name: Corneal Stewart
Going on until the 30th! I still have all 5 referrals. Feel free to use!
May I use your referral when joining? Is there any info I need to give you so you will also get your bonus?
Friends can’t refer you
I was referred to by my brother opened accounts for myself and my children once I received my bonus they froze the accounts reason they want proof that we are family so if you all think its easy well its not. I don’t know why there promotion says family or friends can refer you its all lies if they are not related they can’t join