Navy Federal Credit Card Statement DateNavy Federal Credit Union is a legitimate financial institution that’s federally insured by the NCUA and has been serving members of the military and their families since 1933. The Navy Federal credit card minimum payment is either $20 or 2% of your statement balance plus any interest and late fees, whichever is greater. 00% APR, are based on product type and creditworthiness, and will vary with the market based on the. Navy Federal Credit ">Certificate Maturing? Know Your Options. The statement date usually falls on the same day each month, and all of your posted transactions from the last statement date to the end of the next statement date will reflect on this statement. And, since that time, our vision statement has remained focused on serving our unique field of membership: "Be the most preferred and trusted financial institution serving the military and their families. To activate, sign in to digital banking, select your credit card and click “Freeze Card. ago Auto Loan question 4 5 r/NavyFederal Join • 4 days ago. Debt consolidation does make your payments simpler since you’ll only have 1 due. " About Navy Federal About Us Careers Newsroom. The statement closing date refers to the last day of the billing cycle. The Primary Owner must complete and sign Section 1 of the application, and you must complete and sign Section 2. Navy Federal Credit Union’s EasyStart Certificates offer a competitive APY—up to 4. Do we get paid early for direct deposit when using navyfed?. It includes benefits such as a 6% interest rate cap and foreclosure protections. Navy Federal Credit Union Review: Checking, Savings and CDs Navy Federal Credit Union provides accounts and products for people who have served as a member of the military or have. Loan payments can only be made at Navy Federal-owned ATMs. How do I freeze/unfreeze my card? If you temporarily misplace your credit card, freeze the card while you locate it. It’s the way many finance college, make a down payment on a home and achieve their personal goals. It is instantly credited as being paid. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. 00: Federal Express Saturday delivery for Credit Card and PIN: as entered into the ATM; an item is unsigned by the maker; an item is dated more than six months prior to the date of deposit; the numerical and written amounts do not agree; the deposit is over $1,000 and contains. Your rate within that range is based on your credit profile. Information concerning Navy Federal Credit Cards may also be obtained. Cardholders are responsible for payment of all charges until the statement credit (s) post (s) to their account. 85% APY, although it has a maximum deposit cap of $3,000 and requires a checking account with direct deposit. Re: When does Navy Federal report? They report as of the statement date, and it usually takes a couple of days from that date to hit EX, one or two more to hit EQ and TU. The Navy Federal Credit Union nRewards® Secured Credit Card’s due date is 25 days after the close of each billing cycle. They release direct deposits before the settlement date. Box 3501, Merrifield, VA 22119-3501. Understanding your credit card statement. Navy Federal Credit Union EasyStart℠ Certificate 4. Here are tips from Navy Federal Credit Union on choosing the right money moves for you. Navy Federal nRewards Secured Credit Card 2023 Review. For toll-free numbers when overseas, visit navyfederal. Keep in mind that credit card balance transfers may require a hard inquiry on your credit. Navy Federal Credit Union Personal Loans Review 2023. If you prefer, you may write to Navy Federal Credit Union, P. Subscribe to the Navy Federal channel: https://www. Navy Federal Credit Union® More Rewards American Express® Credit Card: Best for Everyday spending. Here’s an overview of Navy Federal Credit Union’s consumer banking products and services. Making Credit Card Payments. Account details and annual percentage yields (APYs) are accurate as of Sept. And if you pay your balance before your card issuer reports to the credit bureaus – usually on or within a few days after the statement closing date – your credit utilization will be lower than if you wait until the due date. The Navy Federal n Rewards Secured credit card lets you earn rewards while building your credit. It is instantly credited as being paid. Featured Products Featured Products Mortgage. Re: When does Navy Federal report? They report as of the statement date, and it usually takes a couple of days from that date to hit EX, one or two more to hit EQ and TU. Navy Federal Credit Union Review: Checking, Savings and CDs">Navy Federal Credit Union Review: Checking, Savings and CDs. It can take one to three business days for an online or phone payment to post to your credit card account and reflect in your available credit. Anyways, I was too scared initially to apply for an unsecured card, so I put $300 into a new Navy Federal secured card. If your statement closes on the 18th of the month, the due date would land somewhere around the 9th of the following month. Since 1933, Navy Federal Credit Union has grown from 7 members to over 12 million members. Keep in mind that credit card balance transfers may require a hard inquiry on your credit. Best Navy Federal Credit Union Cards of May 2023 NerdWallet Mar 30, 2022 Many or all of the products featured here are from our partners who compensate us. Find Answers">Find Answers. The bottom line: Navy Federal Credit Union is the largest credit union in the U. Navy Federal Bank Statement United States Green Dot Bank Statement United States PNC Bank Statement United States Walmart Money Card Bank Statement United States Woodforest Bank Statement United States Citibank Bank Statement United Kingdom United Kingdom Lloyds Bank Statement United Kingdom Revolut Bank Statement United Kingdom. Your monthly statement will tell you the total amount that you owe us, the minimum payment that you must make, and your payment due date. Navy Federal goes by the settlement date information on your deposit. Navy Federal goes by the settlement date information on your deposit. Points must be redeemed in quantities equal to multiples of 5,000 (i. Credit cards; Education loans (both federal and privately funded) Checking lines of credit; Mortgages (such as first mortgages, fixed equity and home equity lines of credit) Mission Statement. On your statement closing date, you'll be able to prepare to pay your credit card bill because the issuer will: Calculate any monthly interest charges owed and your minimum payment. © 2022 Navy Federal NFCU 800N (5-22). Since 1933, Navy Federal Credit Union has grown from 7 members to over 12 million members. com/subscription_center?add_user=navyfederalConnect with Navy Federal Credit Union (NFCU) onlineWe. Subscribe to the Navy Federal channel: https://www. 00: Federal Express Saturday delivery for Credit Card and PIN: as entered into the ATM; an item is. The credit card closing date or statement closing date is the final day of the card's billing cycle. Applying for another navy Federal credit card 3 statement dates …. The exact date will be different for every cardholder but can be found on your monthly statement. The Navy Federal Credit Union nRewards® Secured Credit Card’s due date is 25 days after the close of each billing cycle. Generally, this date occurs 20-25 days before you owe your payment. In most cases, the FTC requires that the card issuer credit the. Visa Signature® Flagship Rewards Credit Card. Do this by the 1st, to play it safe. Re: When does Navy Federal report? They report as of the statement date, and it usually takes a couple of days from that date to hit EX, one or two more to hit EQ and TU. The first step to changing your credit card due date is selecting a date that makes the most sense for your finances. If your statement closes on the 18th of the month, the due date would land somewhere around the 9th of the following month. More posts you may like r/NavyFederal Join • 12 hr. Best CD Rates In New York May 2023 – Forbes Advisor. Select "Change My Credit Card PIN" from the Credit Card Management section of the page. Your Navy Federal account is too new. For some reason, a few days later, I worked up the courage to apply for a Navy Federal GoRewards card just to see what would happen, and to my surprise, I was approved for a SL of $20,000. May 8, 2022 Borrowing money has become an accepted part of everyday Americans’ personal finances. Your monthly statement will tell you the total amount that you owe us, the minimum payment that you must make, and your payment due date. The first step to changing your credit card due date is selecting a date that makes the most sense for your finances. You’ll just need to answer 3 questions: Are you Active Duty?. Important Changes to the Credit Card Agreement and Disclosure …. Navy Federal nRewards Secured Card Due Date Info. I opened a navy federal platinum card 3 months ago and wanted to know if I should ask for a credit limit increase on my platinum card, or can I apply for another card after 3 statement dates? My platinum card only has a $500 limit as I just opened a checking and savings account in January. The money may roll over to a new certificate with a term like your mature one but at current interest rates. Advertiser disclosure BEST OF Best Navy Federal Credit Union Cards of May 2023 NerdWallet Mar 30, 2022 Many or all of the products featured here are from. After only three months, cardholders of the Navy FCU nRewards® Secured Credit Card * can be evaluated for a higher credit line beyond the amount of the deposit. Here are 2 examples to illustrate how credit cards work and what using credit means: Overspender Credit limit: $500 Billing period: 12/1-12/31 Monthly spending 12/2 - Restaurant charge: $100 12/6 - Clothes shopping: $200 12/13 - New TV: $350 Total spent: $650 Remaining credit line: -$150 Over-the-limit fee: $100. Federal Express Next-day delivery for Credit Card and PIN: $12. Navy Federal ATMs can be found at most branches or nearby locations, and they're free. Here’s an overview of Navy Federal Credit Union’s consumer banking products and services. Apply Now More Prequalification FAQs What information do you need from me? We’ll pull your name, address, date of birth and Social Security number from your member profile. Navy Federal ATMs can be found at most branches or nearby locations, and they’re free. However, keep in mind that if you make your payment using an external account, the payment could take 2 to 5 days to post to your account. Confirm Your Eligibility To request protection under SCRA, we’ll need some information from you, including: Initial active duty start date Date active duty orders were issued Branch of service An SCRA specialist may reach out for additional documentation. Best CD Rates In New Jersey May 2023 – Forbes Advisor. The card with the $1,500 balance will be maxed out. " About Navy Federal About Us Careers. You must request SCRA benefits from us no later than 180 days after your active duty end date. Here’s how to get it: Cash value: $539 Minimum spend to qualify: $4,000 Expiration date: Aug. The Navy Federal n Rewards Secured credit card lets you earn rewards while building your credit. How To Get My Account Statements | Navy Federal Mobile App Navy Federal Credit Union 11. If you choose to pay from a Navy Federal account, you'll receive credit for the payment on the same day. Credit Confidence® Dashboard. Enter your new pin and select “Save. 04-27-2017 09:50 AM When Does NFCU Report? Does anyone know when NFCU reports credit cards to the bureaus? Is it when the statement cuts? I tried searching but most people seemed to be asking about a CLOC or when how long it takes to first report after they receive their card. After only three months, cardholders of the Navy FCU nRewards® Secured Credit Card * can be evaluated for a higher credit line beyond the amount of the deposit. However, effective April 1, 2022, Navy Federal is offering a lower maximum interest rate of 4% to eligible member accounts. Thank you for choosing Navy Federal for your financial needs. for a second navy federal card?. You can do this on the 2nd, but you'd need to do so before about 5 pm to maybe 7 pm. How much is the Navy Federal credit card minimum payment?. Effective March 31, 2023, we are making changes to your Credit Card Agreement and Disclosure (“Agreement”) as. On your statement closing date, you’ll be able to prepare to pay your credit card bill because. When does Navy Federal report?. Your financial institution will also tell you what will happen to the funds if you don’t tell them what to do within that timeframe. Using your Navy Federal Debit Card and PIN, you can make withdrawals, deposits,. If you are paid every two weeks, it's good to have some bills due on the first of the month or shortly thereafter and some bills due around the 15th, or shortly thereafter. 45%—for terms ranging from six to 24 months. If you want to use all the funds from your mature certificate for a goal like a down. Important Changes to the Credit Card Agreement and Disclosure. The Navy Federal Credit Union n Rewards® Secured credit card is a great option, as it’s a secured card that also offers one rewards point for every $1 spent — points that can be converted into cash back, statement credits, gift cards or merchandise. Annual percentage yields (APYs) and account details are accurate as of Apr. 45% Minimum Deposit Requirement $50 Interest Compounding Frequency Daily Why We Picked It Pros & Cons. Since 1933, Navy Federal Credit Union has grown from 7 members to over 12 million members. Hard inquiries could lower your overall credit score a bit and will remain on your credit report for up to 2 years. So it’s important to consider that you’ll only score the best rate if you have a good credit history. Recent data points have shown maximum starting credit line for Flagship, at least ~$30k. You can assign your payment to any day between the 1st and the 28th of the month, as long as your payments aren't past due. If your balance is less than $20, the entire amount is your minimum payment. It also features a statement credit of up to $100 for Global Entry or TSA PreCheck. You must request SCRA benefits from us no later than 180 days after your active duty end date. The Navy Federal Credit Union Platinum credit card offers a low variable APR between 8. Military personnel with a qualifying DDNP and Active Duty Checking get their funds available two business days before the settlement date. Annual percentage yields (APYs) and account details are accurate as of Apr. You must request SCRA benefits from us no later than 180 days after your active duty end date. You cannot transfer funds to another member's account, including family members. Navy Federal ATMs can be found at most branches or nearby locations, and they’re free. 04-27-2017 09:50 AM When Does NFCU Report? Does anyone know when NFCU reports credit cards to the bureaus? Is it when the statement cuts? I tried searching but most people seemed to be asking about a CLOC or when how long it takes to first report after they receive their card. Navy Federal Credit Union Review: Checking, Savings and CDs. The Primary Owner must complete and sign Section 1 of the application, and you must complete and sign Section 2. Some financial institutions, for example in the Visa/PLUS System and CashPoints® networks, may charge you a convenience fee for using their ATMs. I opened a $250 pledge loan just over a week ago. What Is SCRA? The Servicemembers Civil Relief Act (SCRA) provides legal and financial protection to eligible active duty servicemembers. Navy Federal Credit Union EasyStart℠ Certificate 4. Navy Federal More Rewards American Express® Card At a Glance Maximize your everyday spending with 3X points at supermarkets, 3X points on gas and transit, 3X points at restaurants and 1X points on everything else. That may be skewed because I use their 3-burea monitoring which is based on EX. It also features a statement credit of up to $100 for Global Entry or TSA PreCheck. Making your credit card payments on time is important to building and maintaining good credit. 00, the minimum payment will be the new balance. Credit card due date : r/NavyFederal. Learn how balance transfer offers can help. The Navy FCU nRewards® Secured Credit Card * earns 1 point per dollar on eligible net purchases. How Long Does It Take a Credit Card Payment To Post?. Servicemembers Civil Relief Act. , with over 10 million members and. With a low minimum opening deposit of $50, these certificates. Recent data points have shown maximum starting credit line for Flagship, at least ~$30k. 2K subscribers Subscribe 14 Share 5. All other members get their funds one business day before the settlement date. The minimum payment for credit card accounts will be the greater of (1) 2% of the new balance or (2) $20. Since 1933, Navy Federal Credit Union has grown. Please allow 6-8 weeks after the applicable program application fee is charged for the. ) Points are redeemed for cash back (or as redemptions against previous. And, since that time, our vision statement has remained focused on serving. Navy Federal certificates can be renewed up to 21 days after the maturity date. I opened a navy federal platinum card 3 months ago and wanted to know if I should ask for a credit limit increase on my platinum card, or can I apply for another card after 3 statement dates? My platinum card only has a $500 limit as I just opened a checking and savings account in January. Here’s an overview of Navy Federal Credit Union’s consumer banking products and services. Effective March 31, 2023, we are making changes to your Credit Card Agreement and Disclosure ("Agreement") as follows: Minimum Payment Due: We are changing how we calculate your Minimum Payment Due. Navy Federal Credit Union EasyStart℠ Certificate 5. With Card on File, you can easily link your Navy Federal Debit and Credit Cards to the online merchants you shop with most. Sometimes after hours transfers and payments won't credit until the next day. Navy Federal Bank Statement Template Download Template At Navy Federal, there is an accessible app that you can download right to your smartphone to check your account balance, participate in online banking activities and review your statements online at ease. A minimum payment may be due around the 1st or the 2nd of the following month if the payment due date is within 14 days of the statement closing date. Navy Federal Credit Union| Navy Federal Credit Union | Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, Veterans Sign In Sign Out Please enter a search term Checking & Savings Checking & Debit Card Savings Accounts Certificates Money Market Accounts Retirement Savings Education Savings Prepaid and Gift Cards. A billing cycle generally lasts either 28, 30 or 31 days, depending on the card issuer. Debt consolidation does make your payments simpler since you’ll only have 1 due date instead of 3. I opened a navy federal platinum card 3 months ago and wanted to know if I should ask for a credit limit increase on my platinum card, or can I apply for another card after 3 statement dates? My platinum card only has a $500 limit as I just opened a checking and savings account in January. On your statement closing date, you’ll be able to prepare to pay your credit card bill because the issuer will: Calculate any monthly interest charges owed and your minimum payment. 1 That’s because payments made using a checking account and routing number are processed in batches overnight and not in real time. Navy Federal Credit Union">Servicemembers Civil Relief Act. Since 1933, Navy Federal Credit Union has grown from 7 members to over 12 million members. All other Navy Federal Credit Card rates range from 10. Best Navy Federal Credit Union Cards of May 2023 NerdWallet Mar 30, 2022 Many or all of the products featured here are from our partners who compensate us. 85% Minimum Deposit Requirement $50 Interest Compounding Frequency Daily Why We Picked It Pros & Cons. 5,000 for $50, 10,000 for $100, 15,000 for $150, etc. WalletHub Answers is a free service that helps consumers access financial information. If the new balance of your account is less than $20. This may influence which products we. Navy Federal has a higher minimum interest rate than PenFed (7. You can assign your payment to any day between the 1st and the 28th of the month, as long as your payments aren’t past due. Personal loans are either secured or unsecured. As long as you have a solid history since you opened up your secured card with Navy you have been building an internal score with them and like the previous poster suggests waiting until month 6and top of that your card unsecuring would be optimal for best results. 8K views 10 months ago Subscribe to the Navy Federal. How to Change Your Credit Card Due Date. There’s also the Navy Federal Credit Union Special EasyStart Certificate that earns 4. You won’t be issued a new card when you change your PIN and, in most cases, your new PIN will take effect with your next transaction. Essentially, the closing date is the day that the credit card statement is produced and sent to the cardholder. Please allow 6-8 weeks after the applicable program application fee is charged for the statement credit (s) to post to your account. You can even change your due date once every 6 months in order to avoid any cash flow issues. Currently, it is any past due amount plus the greater of 2% of your new balance or $20. Current Balance: Which Do You Pay?. Making your credit card payments on time is important to building and maintaining good credit. Navy Federal Datapoints Thread for Membership, CLI. Statement date: This is the date your monthly statement was generated. Annual Fee: $ 0 Rate: Variable APR 3 14. Generally, this date occurs 20-25 days before you owe your payment. Navy Federal certificates can be renewed up to 21 days after the maturity date. The Navy Federal Credit Union nRewards® Secured Credit Card’s due date is 25 days after the close of each billing cycle. 74% APR) and Alliant, which starts at 10. Often, the money can be transferred to you pretty quickly once approved—in some cases on the same day. FICO8 Scores as of 2022 MAY 18:. If you want to use all the funds from your mature certificate for a goal like a down payment or to pay off credit cards, Mission Statement. Navy Federal Credit Union Review – Forbes Advisor. When You Might Want to Pay the Current Balance. The 6 best Navy Federal Credit Union credit cards of 2023. Since 1933, Navy Federal Credit Union has grown from 7 members to over 12 million members. The credit card closing date or statement closing date is the final day of the card’s billing cycle. We like to see at least three months of on-time payments on an existing Navy Federal Credit Card account before approving an increase to its credit line. Changing your credit card due date usually is a quick process that can be handled with a quick call to your card issuer's customer service, typically found on the. Here’s how to get it: Cash value: $539 Minimum spend to qualify: $4,000 Expiration date: Aug. Statement credits are applied to application fee charges made on or after account opening. Navy Federal goes by the settlement date information on your deposit. Best Navy Federal Credit Union Credit Cards of 2023 ">6 Best Navy Federal Credit Union Credit Cards of 2023. 31, 2023 How to get it: Open a new Navy Federal Visa Signature Flagship Rewards card and make $4,000 in qualifying purchases within 90 days of. Applying for another navy Federal credit card 3 statement. - New cards can be applied for at least 91 days/3 full statements after the last one - DTI appears to be the most important factor - Credit limits can no longer be reallocated or combined (August 2021). A minimum payment may be due around the 1st or the 2nd of the following month if the payment due date is within 14 days of the statement closing date. How to Figure Out My Credit Card's Statement Closing Date. Just my 2 cents Good luck! Cheers Starting scores - 480 - 11/05/18. Credit cards; Education loans (both federal and privately funded) Checking. Navy Federal Information Mission Statement Since 1933, Navy Federal Credit Union has grown from 7 members to over 12 million members. Re: When does Navy Federal report? They report as of the statement date, and it usually takes a couple of days from that date to hit EX, one or two more to hit. You can even change your due date once every 6 months in order to avoid any cash flow issues. The card with the $1,500 balance will be maxed out. The statement closing date refers to the last day of the billing cycle. 31, 2023 How to get it: Open a new Navy Federal Visa Signature Flagship Rewards card and make $4,000 in qualifying purchases within 90 days of opening the account. Business Solutions Business Checking Business Plus Checking. Best Navy Federal Credit Union Cards of May 2023 NerdWallet Mar 30, 2022 Many or all of the products featured here are from our partners who compensate us. Use 1-703-255-8837 for collect international calls. Debt consolidation does make your payments simpler since you’ll only have 1 due date instead of 3. As long as you have a solid history since you opened up your secured card with Navy you have been building an internal score with them and like the previous poster suggests waiting until month 6and top of that your card unsecuring would be optimal for best results. 00% APR, are based on product type and creditworthiness, and will vary with the market based on the U. The exact date will be different for every cardholder but can be found on your monthly statement. Best CD Rates In North Carolina May 2023 – Forbes Advisor. 00% Terms & Conditions Apply Now Card Details Add to Compare Go to Compare. Navy Federal Credit Union® cashRewards Credit Card: Best for Flat-rate cash back. Information concerning Navy Federal Credit Cards may also be obtained at navyfederal. For example, if you have a $500 balance on each of 3 credit cards, then consolidate, then consolidate them onto a new credit card with a $1,500 limit, then those 3 will show that you have credit available. Navy Federal Credit Union Review: Checking, Savings and CDs Navy Federal Credit Union provides accounts and products for people who have served as a member of the military or have. 8K views 10 months ago Subscribe to the. Here are tips from Navy Federal Credit Union on choosing the right money moves for you. Once completed and signed, please fax the form to 703-206-3776 mail it to Navy Federal Credit Union, Attn: Digital Services, PO Box 3001, Merrifield, VA 22119-3001, or attach as an eMessage. Navy Federal's interest rates vary from 7. navy Federal credit card 3 statement ">Applying for another navy Federal credit card 3 statement. You can assign your payment to any day between the 1st and the 28th of the month, as long as your payments aren’t past due. 0:00 / 1:29 How To Get My Account Statements | Navy Federal Mobile App Navy Federal Credit Union 11. Best CD Rates In New York May 2023. 99% and 18% on purchases and balance transfers. All other Navy Federal Credit Card rates range from 10. Navy Federal Information Mission Statement Since 1933, Navy Federal Credit Union has grown from 7 members to over 12 million members. Military personnel with a qualifying DDNP and Active Duty Checking get their funds available two business days before the settlement date. May 8, 2022 Borrowing money has become an accepted part of everyday Americans’ personal finances. The exact date will be different for. There is no limit to the amount of rewards that can be earned on the card. That may be skewed because I use their 3-burea monitoring which is based on EX. Since 1933, Navy Federal Credit Union has grown from 7 members to over 12 million members. Best Navy Federal Credit Union Cards of May 2023 NerdWallet Mar 30, 2022 Many or all of the products featured here are from our partners who compensate us. Navy Federal Credit Union EasyStart℠ Certificate 5. At Navy Federal Credit Union, we offer loans for as little as $250 and as much as $50,000. Your monthly statement will tell you: the total amount that you owe us; the minimum payment that you must make; and your payment due date. The Navy Federal Credit Union Platinum credit card offers a low variable APR between 8. Navy Federal Credit Union is a legitimate financial institution that’s federally insured by the NCUA and has been serving members of the military and their families since 1933. Thank you for choosing Navy Federal for your financial needs. The Navy Federal credit card minimum payment is either $20 or 2% of your statement balance plus any interest and late fees, whichever is greater. To activate, sign in to digital banking, select your credit card and click "Freeze Card. In most cases, the FTC requires that the card issuer credit the payment. Earning Rewards. Using your Navy Federal Debit Cardand PIN, you can make withdrawals, deposits, loan payments, balance inquiries, and transfers between your Navy Federal Credit Union accounts. And, since that time, our vision statement has remained focused on. The credit card closing date or statement closing date is the final day of the card’s billing cycle. NerdWallet rating. Loan payments can only be made at Navy Federal-owned ATMs. If you prefer, you may write to Navy Federal Credit Union, P. Or you can quickly swap it out for a new, existing. In a secured loan, you pledge an asset, such as a car, as collateral to. 5 Types of Purchases That Go On Your Credit Report. Navy Federal Credit Union offers tips for determining whether a balance transfer is right for your credit card debt. How To Get My Account Statements | Navy Federal Mobile App Navy Federal Credit Union 11. How To Get My Account Statements. The card with the $1,500 balance will be maxed out. Applying for a Student Refinance Loan: What You'll Need. And, since that time, our vision statement has remained focused on serving our unique field of membership: "Be the most preferred and trusted financial institution serving the military and their families. Card issuer sets a credit limit based on your credit history; over-limit penalties may apply or your card may be declined if you spend more than the credit. The Navy Federal Credit Union nRewards® Secured Credit Card's due date is 25 days after the close of each billing cycle. 85% APY, although it has a maximum deposit cap of $3,000 and requires a. Statement credits are applied to application fee charges made on or after account opening. There has recently been a change to the credit line on this account.