APY
0.45%
As of Nov 8, 2026. Rates are variable.
Navy Federal Credit Union · Checking account
Navy Flagship Checking
$7 a year for an everyday customer. $10 a month. No minimum to open.
- A year, everyday customer
- $7
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer document · navyfederal.org · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer document · navyfederal.org · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer document · navyfederal.org · PDF
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#12of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- ATM fee rebates
- Bill pay
- Branch access
- Budgeting tools
- Card lock
- Cash deposit ATM
- Check writing
- Debit card
- Interest bearing
- Live chat
- Mobile check deposit
- Online opening
- Overdraft line of credit
- Overdraft protection transfer
- Spending alerts
- Support 24/7
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $1,500 to $9,999
- 0.35%
- $10,000 to $24,999
- 0.40%
- $25,000 and up
- 0.45%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $1,500navyfederal.org, checked Nov 1, 2026
- To earn the APY
- Must maintain a daily ending balance of at least $1,500 to earn dividendsnavyfederal.org, checked Nov 1, 2026
Fees
- Monthly fee
- $10 a monthnavyfederal.org, checked Nov 1, 2026
- Ways to avoid the monthly fee
- No monthly service fees (if average daily balance is $1,500 or more)navyfederal.org, checked Nov 1, 2026
- Minimum to open
- Nonenavyfederal.org, checked Nov 1, 2026
- Overdraft fee
- $20navyfederal.org, checked Nov 1, 2026
- Overdraft transfer fee
- Nonenavyfederal.org, checked Nov 1, 2026
- Most overdraft fees in a day
- 1navyfederal.org, checked Nov 1, 2026
- ATM network
- CO-OP Networknavyfederal.org, checked Nov 1, 2026
- Out-of-network ATM fee
- $1navyfederal.org, checked Nov 1, 2026
- International ATM fee
- $1navyfederal.org, checked Nov 1, 2026
- ATM fees refunded, up to
- $10 a monthnavyfederal.org, checked Nov 1, 2026
- Foreign transaction fee (debit card)
- 1%navyfederal.org, checked Nov 1, 2026
- Incoming domestic wire
- Nonenavyfederal.org, checked Nov 1, 2026
- Outgoing domestic wire
- $20navyfederal.org, checked Nov 1, 2026
- Outgoing international wire
- $25navyfederal.org, checked Nov 1, 2026
- Inactivity fee
- $3navyfederal.org, checked Nov 1, 2026
- Cashier’s check
- $5navyfederal.org, checked Nov 1, 2026
- Stop payment
- $20navyfederal.org, checked Nov 1, 2026
- Card replacement
- Nonenavyfederal.org, checked Nov 1, 2026
Who can open it
- Membership
- Membership required:
- Servicemembers in all branches of the armed forces, including active duty members, Delayed Entry Program (DEP), DoD Officer Candidate/ROTC, DoD Reservists, veterans, retirees and annuitants
- Immediate family members include parents, grandparents, spouses, siblings, children (including adopted and stepchildren), grandchildren and household members
- DoD civilian employees, U.S. Government employees assigned to DoD installations, DoD contractors assigned to U.S. Government installations, and DoD civilian retirees and annuitants
- An existing member who is a parent, grandparent or guardian of a minor can share the gift of membership through the minor membership application
Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees