Extended to 01/01/2026
Offer at a glance
- Maximum bonus amount: $200
- Availability: Nationwide but must be eligible for NFCU membership.
- Direct deposit required: No
- Additional requirements: None
- Hard/soft pull: Mixed reports
- ChexSystems: Unknown
- Credit card funding: Can fund up to $250 with a credit card (Visa, Mastercard or Discover)
- Monthly fees: None
- Early account termination fee: They reserve the right to reclaim bonus if direct deposit is stopped within 12 months
- Household limit: None
- Expiration date: November 30, 2025
Contents
The Offer
- Navy Federal Credit Union is offering a $200 bonus when you become a new member and open an Special EasyStartSM Share Certificate
The Fine Print
- Offer valid 11/1/2025.
- Navy Federal reserves the right to end or modify this offer at any time.
- 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. Navy Federal membership is open to members of the Coast Guard, all Department of Defense uniformed personnel, Reservists, Active Duty, retired, Veterans, Army and Air National Guard, DoD civilian employees, contractors, and their immediate family. Limit 1 $200 bonus per member.
- The new member must be the primary account owner of the 12-month Special EasyStart Share certificate to qualify
- . Business and Trust accounts are not eligible.
- IRA, ESA, and Navy Federal Business Solutions certificate products are not eligible.
- $5 minimum balance is required to open and maintain Membership Share Savings Account and to obtain bonus.
- Bonus will be deposited to the new member’s Membership Share Savings Account by 02/28/2026.
- The new certificate must remain open throughout the time Navy Federal attempts to deposit the bonus.
- Accounts must be in good standing for credit to be processed.
- The recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive. Navy Federal does not provide tax advice. ↵
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
This account has no monthly fees to worry about.
Early Account Termination Fee
Unsure if there is any EATF.
Our Verdict
Suspect most readers that are eligible are already members, but can always share the deal with loved ones who are eligible that haven’t signed up yet.
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
