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Become a member now and experience the benefits and security of Navy Federal.
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Serving Army, Marine Corps, Navy, Air Force, Coast Guard, DoD and their families.
- About Us
Our story, mission statement and how we have been serving our members since 1933.
- Welcome to Navy Federal
Get up to speed on your new account.
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From our Active Duty Checking to VA Mortgages, we have products that suit your needs.
- Why Choose Navy Federal
Excellent member service. Great rates. Convenient banking.
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- Convenient Money Management
Get the products and services to make managing your money easy.
- Special Offers and Discounts
Save money with our member-only specials and discounts!
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- Switch to Navy Federal
Switching your financial transactions to Navy Federal is easy.
- Managing Your Money
Read our articles to help manage your money, control debt and protect your credit.
NEW! Visit MakingCents. the place to go for information to help you meet your financial goals.
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Protect yourself from fraud, phishing and ATM skimming.
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Reach your retirement goals with tips, strategies and information to help you retire comfortably.
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Start good financial habits young and prepare for a future of healthy saving and spending.
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Get tips for easy filing and faster refunds.
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Attend our FREE Home Buying and Financial Seminars.
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Get tips for your next PCS or deployment and learn about the perks available to you in honor of your service.
- Work Life
Transition easily from the military to the civilian job or your next job with these great resources.
Determine monthly payments, make loan comparisons, check progress on retirement and more with our calculators.
Auto Loan Rates
Guaranteed Asset Protection (GAP)
If your vehicle is totaled in an accident or stolen and not recovered, the insurance settlement is based on the actual cash value, not the outstanding loan balance. This could create a loan “gap” money you owe on the loan after the insurance company pays its portion. Optional GAP may cover the difference between the outstanding loan amount and the actual cash value and covers up to $1,000 of your deductible.
Note: GAP cannot be transferred from one vehicle to another.
For new loans: GAP can be added during the initial online loan application process,
in person at a branch. or by phone .
GAP Frequently Asked Questions
What is a qualifying vehicle?
- GAP only covers up to 150% of the MSRP for new vehicles or 150% of the Actual Cash Value for used vehicles
- Refinanced vehicle loans if the vehicle qualifies
Note: GAP is not available on consolidation loans.
How much does it cost?
There is a flat enrollment fee, which can be financed as part of your loan.
$199 for new and used vehicles.
Many car dealers charge $400 to $700 for the same protection.
How much will my loan payment be?
- On a $24,500 new vehicle loan for 60 months at 4.5% APR, your monthly payment would be $457 without GAP; $460 with GAP.*
- For a used vehicle loan of $24,500 for 60 months at 6.0% APR, your monthly payment would be $474 without GAP; $480 with GAP.*
*Calculations are estimates. Actual payment amount may vary based on booking date of loan and applicant’s first due date.
How do I submit a claim?
Claims can be submitted at your local branch. by mail. or by calling 1-888-842-6328 .
- Processing time is usually within five days of receiving all documentation
- Maximum claim amount is $50,000
- Full refund if canceled within 60 days of enrollment
Since 1933, Navy Federal Credit Union has grown from seven members to over 6 million members. And since that time, our vision statement has remained focused on serving our unique field of membership:
Be the most preferred and trusted financial institution serving the military and their families.
About Navy Federal
More Ways to Find Us
Equal Housing Lender | Important Information About Opening a New Account | APY = Annual Percentage Yield | APR = Annual Percentage Rate
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+ Rates are based on an evaluation of credit history, so your rate may differ.
++ Rates are variable and based on an evaluation of credit history, so your rate may differ.
*Message and data rates may apply. Terms and Conditions are available.
USA PATRIOT Act Information
To help fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including joint owners.
What This Means For You
When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you.