Posted by Chuck on January 13, 2020
Deals

Published on January 13th, 2020 | by Chuck

29

Get $25 For Joining Navy Federal Credit Union (Promo Code DIGITAL20)

The Offer

Direct Link to offer

  • Navy Federal Credit Union is offering a $25 bonus when you join using promo code DIGITAL20 (there’s a text box to add the promo code right before you hit Submit Application).

Navy Federal is for military families only; service members in all branches of the armed forces are eligible for membership, including:

  • Active Duty members of the Army, Marine Corps, Navy, Air Force, Coast Guard and Air National Guard
  • Delayed Entry Program (DEP)
  • DoD Officer Candidate/ROTC
  • DoD Reservists
  • Veterans, retirees and annuitants

The following relatives of military personnel are also eligible:

  • Parents
  • Grandparents
  • Spouses
  • Siblings
  • Children (including adopted and stepchildren)
  • Grandchildren
  • Household members

The Fine Print

  • Valid through March 2, 2020.

Our Verdict

Sweet little bonus. Hats off to all who have served!

Thanks to reader Nick for sending this one in



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Brendan
Brendan

Are their services any good?

slowbrake
slowbrake

0% balance transfer fees with intermittent 0% APR offers combined with crazy high limits – lots of opportunity.

And there CS is pretty good. I called in to cancel an account and the CSR recommended downgrading to preserve my credit limit and credit score – while also forgiving the fee I was charged.

Matt
Matt

Oh yes. One of my favorite financial institutions. Good rates and products. Good website and mobile app.

Duke I.
Duke I.

NFCU services are good except for the mortgage side. If you’re trying to close in 30 days I wouldn’t recommend them.

Chilli Con Karne
Chilli Con Karne

Id pay to join Navy. Good CD rateS last I lookeD.

Randy
Randy

The following relatives of military personnel are also eligible: Spouses, Household members

Just gotta put an ad up on Craigslist for a roommate. Or get married.

PAUL S.
PAUL S.

All that for $25?

Chilli Con Karne
Chilli Con Karne

Rates aren’t that Good…..lol.

Fred
Fred

No need for such a commitment. Just join the Delayed Entry Program.

Ry
Ry

That’s bold. Renege on your enlistment contract just for Navy Federal account. I know there isn’t really any penalty for doing so, but still.. lol

ThaiBinh!
ThaiBinh!

For those who are going through the process of becoming a member online, there will be an explicit, obvious text box to add the promo code right before you hit Submit Application (which is the page immediately following the terms and conditions/fee schedule/fine print).

lenin1991
lenin1991

Sounded like it’d be a slam dunk as a greatest-generation grandchild, but I’d need to call or go to a branch with copies of enlistment paperwork from 75 years ago, which is MAYBE in a parent’s attic somewhere…

fitzejunk
fitzejunk

Seriously? I joined two years ago, and never had to submit a thing. Called, said my Dad was a Vietnam vet, my grandfather was a decorated WWII vet, and that was it. I actually had my Dad’s service records handy, but didn’t need anything.

Incidentally, great CU. Joined for a long dead IRA bonus and have stuck around. Good rates, not astronomical but solid, and CS has been absurdly good every time I’ve needed to talk to them. Good app, website isn’t amazing but serviceable.

Parts Unknown
Parts Unknown

We joined in branch last week. Did not need to provide proof, but were told they may request it down the line.

Nathan Ponder
Nathan Ponder

Any info on soft/hard pull to join and which bureaus? I’m eligible and would like to take advantage of this offer, need to know what to unfreeze prior to app.

Nathan Ponder
Nathan Ponder

Answered my own question: Going through the online process, my eligibility (family member in the service) directed me to call the 888 number, no option to sign up online. CSR said that it would require a hard Equifax pull for basic membership, plus a Transunion hard pull if I wanted to apply for a credit card. He added that this promo code can only be applied with an online application, not a call-in.

Dubya
Dubya

I don’t know who you talked to but you got bad info. As of 2018 its a soft pull on TU to join. Hard pull on TU for any credit product including CLOC. Hard pull on EQ for credit limit increase. Lately the added the ability for soft pull credit limit increase if you call in and its not official so ymmv.
But it is definitely been a soft pull to join now.

Bill
Bill

“He added that this promo code can only be applied with an online application, not a call-in.” – Nathan

I’ll probably call to double-check, but since my joining would be based on my father’s service, it sounds like this bonus is out-of-reach for me.

Bill
Bill

I called. Got an agent who thought that I could do it online (even though I’m qualifying as a child of non-NFCU member service member.) As she stepped through the online pages and realized she was wrong, she asked me to hold so she could research.
She finally connected me to a supervisor who said, while I couldn’t do it myself online, since I had the promotion code, she would enroll me over the phone and make sure the bonus was applied to my account.
(I wouldn’t have made a fuss “Let me talk to your supervisor!” for $25 but since they did it without me asking, I’ll take it.)

Duke I.
Duke I.

I like everything about NFCU except the amount of time it takes to receive signup up bonuses. Have to wait until the 4th statement generates.

Eric M.
Eric M.

I had been holding out for a welcome bonus to join Navy Federal but I’m not sure if $25 is enough for me to pull the trigger with the credit card offers no longer being available. I’m hoping for $100+ even though it appears that was last offered back in 2017.

Jethro Tuller
Jethro Tuller

Their savings/CD rates may not be the best at the moment, but at times they really are.

Parts Unknown
Parts Unknown

They will not match this applying in branch, fyi

Matthew Feehan
Matthew Feehan

I am new and have recently opened 3 accounts! Thanks for all the support and putting this together everyone! What an amazing group effort. I haven’t found if it is possible to move money out of the account to somewhere else and not be penalized. Online or in-person is fine. For instance, my $200 chase bonus came in yesterday. The account is 3 months old. Can I just send all the money out and leave in $0.01 to keep it open without penalty?

missjenniferd1🦉 🦁

that is never advisable. you always want to leave enough money for a fee to hit. just in case. if something were to happen and you got a fee for whatever reason, you would go negative. i try to leave $100 in all accounts, but at least $50 for sure.

Matthew Feehan
Matthew Feehan

I only asked because I had purposely done this years ago with a PNC checking account. I just left it at 1 penny and never got any fees. I didn’t think they could legally charge you a fee and make you go negative. I was hoping to use this money elsewhere ASAP. Do the majority of you leave it in the full 180 days and then just close out and move the money?

missjenniferd1🦉 🦁

yes

Ry
Ry

I just wanted to add a DP. NFCU website offers $5000 CC funding.. at least when I applied it did. I used my Discover card to fund it fully. However, I was only charged $250. I also got an email asking if I had authorized a charge to NFCU. So I don’t know if it was the CU that pulled $250 or if somehow Discover only allowed a $250 purchase..? I’ll try to follow up if I get anymore info.

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