^ There are penalties for early withdrawal on term share accounts and some savings accounts must maintain a minimum daily balance of $2,500 to earn dividends.

^ Navy Federal Credit Union’s overdraft protection may charge a $20 fee each time an overdraft occurs with at a maximum of 3 overdraft fees per day per account.

Navy Federal Credit Union customers have fees or minimums where One customers do not pay any fees and do not have account minimums. Navy Federal Credit Union customers have the option to get paid one business day early where One customers with qualifying direct deposits can get paid up to two days early.** Navy Federal Credit Union customers can only earn .25 – .50% APY on their Navy Federal Credit Union savings and are not able to automatically save where One customers can earn 1.00% APY* in their Save Pocket and 3.00% APY* in their Auto-Save Pocket. Navy Federal Credit Union customers can enroll in overdraft protection with fees where One customers can enroll in fee-free overdraft protection. Navy Federal Credit Union customers do not have the option to enroll in credit building where One customers can enroll in Credit Builder. Navy Federal Credit Union customers are limited to sharing an account with one person where One customers can share up to 99 Pockets.