Navy Federal Fees
Credit UnionComplete fee breakdown for Navy Federal and how it compares to zero-fee alternatives.
Fee Breakdown
Common Fees
Monthly Maintenance:
$0/month
Overdraft Fee:
$20
ATM Fee (out-of-network):
$0
Wire Transfer:
$25
Minimum Balance:
$0
Annual Cost Calculator
Monthly fees (×12): $0
Overdrafts (2×/year): $40
ATM fees (1×/month): $0
Annual Total:
$40
With Holdings: $0
Pros & Cons
Pros
- ✓ Low fees
- ✓ Military benefits
- ✓ Competitive rates
Cons
- ✗ Military members only
- ✗ Limited branches
- ✗ Membership required
Key Features
Military credit union
Low fees
30,000+ free ATMs
Business Banking
- • Business checking
- • Business loans
- • Military business focus
Compare with Holdings
| Feature | Navy Federal | Holdings |
|---|---|---|
| Monthly Fee | $0 | $0 |
| Overdraft Fee | $20 | $0 |
| ATM Fee | $0 | $0 |
| Wire Transfer Fee | $25 | $0 |
| Minimum Balance | $0 | $0 |
| APY | 0.01% | 1.75% |
| Business Tools | Basic | Full Suite |
| Annual Cost | $40 | $0 |
Ready to Eliminate Banking Fees?
Save $40 per year by switching to Holdings. Zero fees, 1.75% APY, and built-in business tools.