Navy Federal CU Specials: $200 New Member CD Bonus, 10-Month CD at 4.15% APY w/ Add-Ons

Navy Federal CU Specials: 0 New Member CD Bonus, 10-Month CD at 4.15% APY w/ Add-Ons

New offers November 1-30. Navy Federal Credit Union is the nation’s largest credit union, with a long history of serving active military members. More recently, they have expanded their field of membership to include veterans and family members of veterans. NavyFed often offers special rates and promotions, and here are some for November 2025.

$200 Certificate bonus for New members: To qualify for the $200 bonus, you must be eligible for membership, join Navy Federal, and open a new 12-month Special EasyStart Share certificate between 11/1/2025 and 11/30/2025. 4.15% APY. Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Requires a NavyFed checking account and direct deposit. They are meant to encourage members to start saving at a special rate with a low minimum purchase requirement.
10-month Special Certificate at 4.15% APY. Open with as little as $50. Maximum $250,000. Make additional deposits any time. Valid for taxable, IRAs, ESAs.
Credit card $250 bonus: Open a cashRewards or cashRewards Plus credit card and get $250 when you spend $2,500 within 90 days of account opening. Unlimited 2% cash back on all purchases with cashRewards Plus. No annual fee. 1.99% intro APR for 12 months from account opening on balance transfers made in your first 60 days. No balance transfer fees.
Auto loans: Get a $200 bonus if your auto refinance loan is at least $5,000. Their rates are usually competitive as well, starting at under 4%.

NavyFed likes to offer these short-term add-on CDs regularly, and I usually always open one with the minimum $50 because I like the optionality. If rates drop drastically somehow, I’ll have the ability to add unlimited additional funds at 4.15% APY. If nothing big happens (most likely scenario), I’ll only have committed $50, which I can later roll over into the next 10-month CD. Once you have joined NavyFed, it just takes a few clicks.