How do I do a balance transfer with Navy Federal Credit Union?

To do a balance transfer with Navy Federal, new applicants can just complete the balance transfer portion of a Navy Federal credit card application. Existing cardholders can request a balance transfer online or by calling customer service at (888) 842-6328.

Navy Federal balance transfers usually take 10 business days to process. In the meantime, continue to make payments on your original debt in order to avoid any late fees and possible damage to your credit score.

How to Do a Balance Transfer with Navy Federal (New Applicants)

1. Open the application for the Navy Federal balance transfer card you want to apply for.
2. Enter the account number for your existing balance.
3. Enter the amount you want to transfer.
4. Include standard application info such as your name, Social Security number, and annual income.
5. Submit the application.

How to Do a Balance Transfer with Navy Federal (Existing Cardholders)

1. Log in to your Navy Federal account.
2. Select "Card Benefits" from the "Cards menu.
3. Click Balance Transfer.
4. Enter the account number(s) and the amount(s) you’d like to transfer.
5. Verify your information is correct and submit the application.

Key Things to Know About Navy Federal Balance Transfers

Navy Federal accepts balance transfers from other issuers’ credit cards. Navy Federal does not allow balance transfers from other Navy Federal credit accounts.

If you’re transferring a balance to a credit card with an introductory APR on balance transfers, try to pay off the balance before the introductory rate expires. Any balance remaining after that will accumulate interest daily at the card’s regular APR. Using a balance transfer calculator can be a big help.

Keep in mind that, Navy Federal does not charge a transfer fee on balance transfers.