Updated January 2026: Navy Federal Credit Union is the largest credit union in the United States, boasting a rich history of supporting active military members. Recently, they have broadened their membership criteria to encompass veterans and their families. Here are some of their current notable offers:
- 13-month Special Certificate at 4.00% APY: Start with as little as $50 and make additional deposits up to a maximum of $250,000. This offer is available for taxable accounts, IRAs, and ESAs.
- Credit Card Bonus of $250: Sign up for a new cashRewards or cashRewards Plus credit card and earn a $250 bonus after spending $2,500 within the first 90 days. Enjoy unlimited 2% cash back on all purchases with the cashRewards Plus card, no annual fee, and a 1.99% introductory APR for the first 12 months on balance transfers made within the first 60 days, with no fees.
- Auto Loan Bonus of $200: If your auto refinance loan is at least $5,000, you can receive a $200 bonus. Their rates are typically competitive, starting at under 4%.
Navy Federal often provides these special add-on CDs, and I usually opt to open one with the minimum $50 for the flexibility it offers. Should rates drop significantly, I can add unlimited funds at 4.00% APY. If things remain stable (the most likely scenario), I will have only committed $50, which I can later transfer into the next special CD. Once you’re a member of Navy Fed, it only takes a few clicks to manage your account.
