APY
0.05%
As of Nov 1, 2026. Rates are variable.
Navy Federal Credit Union · Checking account
Navy Free Campus Checking
$1 a year for an everyday customer. No monthly fee. No minimum to open.
- A year, everyday customer
- $1
- APY
- Receipt · APYChecked Nov 1, 2026
Issuer's page · navyfederal.org
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer's page · navyfederal.org
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer's page · navyfederal.org
The source states this figure; we have no exact sentence on file yet.
Features
- ATM fee rebates
- Bill pay
- Branch access
- Budgeting tools
- Card lock
- Debit card
- Interest bearing
- Live chat
- No minimum balance
- Online opening
- 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.
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $0navyfederal.org, checked Nov 1, 2026
Fees
- Monthly fee
- Nonenavyfederal.org, checked Nov 1, 2026
- Minimum to open
- Nonenavyfederal.org, checked Nov 1, 2026
- ATM network
- CO-OP Networknavyfederal.org, checked Nov 1, 2026
- ATMs in the network
- 30,000navyfederal.org, checked Nov 1, 2026
- ATM fees refunded, up to
- $10 a monthnavyfederal.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
- Minimum age
- 14navyfederal.org, checked Nov 1, 2026
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