Navy Federal Credit Union: $200 Bonus with Special EasyStart Share Certificate (4.15% APY) for New Members

Navy Federal Credit Union is offering a $200 bonus when you become a member and open a new Special EasyStart Share Certificate (4.15% APY as of 11/1/2025), which requires that you have a direct deposit and a Navy Federal checking account within 90 days of the certificate issue date.

Membership in Navy Federal Credit Union is open to: Active Duty members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard and Space Force; Veterans; Reservists; Immediate Family Members including spouses, siblings, parents, children, grandparents and grandchildren; and Department of Defense (DoC) employees and contractors.

When you join Navy Federal Credit Union, you must open a Basic Savings Account (Membership Savings Account) with a $5 minimum balance to establish and maintain your membership.

Navy Federal $200 Special EasyStart Share Certificate Bonus

1. Check out these Navy Federal Promotional Offers to see if you’re eligible for membership and join NFCU with a $5 minimum deposit to a Membership Share Savings Account.

2. Open a new 12-month Special EasyStart Share Certificate between 11/1/2025 and 11/30/2025.

3. The 12-month Special EasyStart Share Certificate has a $50 minimum balance and $3,000 maximum contribution limit, earning a 4.15% APY as of 11/1/2025.

4. The $200 bonus will be deposited to your Membership Share Savings Account by 2/28/2026.

5. Certificate owners age 18 and older must have a direct deposit and a Navy Federal checking account within 90 days of the certificate issue date, or your Special EasyStart Certificate dividend rate will be adjusted to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate’s term.

6. You may qualify for the direct deposit if you have: A recurring ACH from an employer, military pay or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are a Primary or Secondary Owner; Mobile deposits, ATM deposits, Branch deposits, payments from the FedNow Payment network, the Real Time Payment network or third-party services that facilitate payments to your debit card using the Navy Federal Credit Union Debit Card, totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are a Primary Owner; or Monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are a Primary or Secondary Owner.

7. At maturity, the Special EasyStart Certificate will automatically renew and any amount exceeding the $3,000 maximum contribution limit will be transferred to your Membership Savings Account unless instructed otherwise.

8. There is a limit of 1 $200 bonus per member.

Membership Navy Federal Credit Union

Navy Federal Membership is available 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.

In order to join, you’ll need your Social Security number, driver’s license or government ID, current home address, and a credit card or bank account and routing number to fund your account.

A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.

If you’re considering joining the Navy Federal Credit Union, take advantage of this limited-time promotion to earn a $200 bonus with your new membership.

Once you join Navy Federal, you may also consider one of their credit card offers including the Navy Federal cashRewards Cards or the Navy Federal Go Rewards Card.