Write yourself a loan, anytime, up to your approved credit limit, plus have checking protection for your checking account. Show
*Rates based on creditworthiness, so your rate may differ. Rates range from 13.9% APR to 17.9% APR. To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here. For full functionality of this site it is necessary to enable JavaScript. Here are the instructions for how to enable JavaScript in your web browser.
Protect Your Checking AccountsNavy Federal offers checking protection options to make sure you're covered. 3 Types of CoverageWhether it's a checkbook miscalculation, car repair, medical expense or unexpected travel, we understand that life happens. It's also why we offer checking protection options to make sure you're covered. Overdraft Savings Transfer1Covers overdrafts by moving money from a linked share savings account to your checking account.
If you’d like to change your linked Share Savings account, you can call us at 1-888-842-6328, visit a local branch or send us an eMessage when you sign in to digital banking.* Checking Line of Credit (CLOC)2Protects your checking account from overdrafts and denied transactions.
Sign in to digital banking* or call 1-888-842-6328 to apply. Optional Overdraft Protection Service (OOPS)4Covers overdrafts from checks, ATM withdrawals, Automated Clearing House (ACH) transactions (including automatic bill payments) and debit card transactions.
Sign in to digital banking to opt in:
You can also call us at 1-888-842-6328 or mail/fax us the OOPS Opt In form PDF.
Direct DepositGet your pay safely and conveniently. Learn Moreabout Direct DepositNavy Federal Debit CardAccepted at millions of locations worldwide. Secure and convenient. Activate your debit card today. Learn Moreabout Navy Federal Debit CardAdd Money to Your AccountsOur convenient transfer and deposit options make it easy to put your money where you need it to be. Learn Moreabout Add Money to Your Accounts
1 The Overdraft Savings Transfer transfers funds, at no charge to you, from a linked Share Savings account to your checking account when there are insufficient or unavailable funds in your checking account. Funds in your savings account will not automatically transfer to cover a debit card point-of-sale authorization. Your Share Savings account is linked to your checking account of choice unless you decline Overdraft Savings Transfer coverage. See the NFCU Important Disclosures for more information. ↵2 Checking Line of Credit is a credit product and subject to credit approval. Generally, credit limits are $500. Criteria such as length of membership, direct deposit, and active duty status may be considered in addition to creditworthiness for higher credit limits, up to $5,000 for active duty service members and $3,000 for members not in active duty military service. ↵3 Rates subject to change and are based on creditworthiness. Repayment terms of 2% of outstanding balance or $20, whichever is greater. How do I get a Navy Federal line of credit?How can I request a credit line increase? Sign in to online banking to submit your credit line increase request. If you prefer, send us a secure message through online banking or call us at 1-888-842-6328.
What credit score is needed for Navy Federal Credit Union?The Navy Federal credit card approval requirements include a credit score of at least 700, in most cases; this is considered “good” credit. Other Navy Federal credit cards require a credit score of 750, i.e. excellent credit. Ultimately, Navy Federal also offers options for people with bad credit.
Does Navy Federal check credit for credit line increase?If you request a credit limit increase, you will be asked to give Navy Federal permission to do a hard pull of your credit report. This lets them assess your creditworthiness. The hard pull will cause your credit score to dip a few points.
Does Navy Federal check credit for checking account?Navy Federal does not carry out a hard credit pull when you apply for membership. However, you may expect a hard pull if you apply for any form of credit, be it a credit card, a personal loan, an auto loan or a mortgage.
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