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Navy Federal Credit Union (NFCU) is a top-rated financial institution serving military members and their families. Perks of having a Navi Federal checking account include ATM rebates, free checks, and the chance to receive military pay early with an Active Duty Checking account.

Military pay is scheduled for the 1st and 15th of each month, but your deposit may arrive earlier or later if those dates fall on a weekend or holiday. If you have an Active Duty Checking account with NFCU, you may receive your pay one business day early.

Read on to see the full Navy Federal pay dates for 2025, including how early deposit works and what to expect based on your account type.

Navy Federal pay dates refer to the days your military pay becomes available in your account. If you have an NFCU Free Active Duty Checking® account, you may receive your direct deposit one business day early.

Any member of Navy Federal Credit Union is eligible to open this account and set up direct deposit from any branch of the U.S. Military — including the Army, Navy, Marine Corps, Air Force, Coast Guard, and Space Force. Military spouses and family members can also qualify.

Keep in mind that early deposit is only available for Active Duty Checking accounts. If you have another type of account, such as EveryDay Checking, Campus Checking, or Flagship Checking, your deposit will be available on the standard payday.

All Navy Federal members with an Active Duty Checking account are eligible to receive their military pay one business day early. Here’s a look at the full pay calendar for 2025 to help you manage your finances and stay ahead of holiday and weekend delays.

Navy Federal Pay Dates for 2025

With the 5.2% military pay raise in 2024 announced by the Department of Defense (DOD), many service members are eagerly waiting for paydays. Use this Navy Federal pay calendar for 2025 to stay on top of direct deposit dates and plan your monthly budget more effectively.


Navy Federal Credit Union Pay Dates for 2025

* Members with Free Active Duty Checking® accounts receive pay one business day early.

Navy Federal Retiree Pay Dates for 2025

If you receive military retirement pay, your deposit schedule will differ from active duty servicemembers. Retirees with a Navy Federal Active Duty Checking account are still eligible to receive their pay one business day early.


Navy Federal Credit Union Retiree Pay Dates for 2025

* Members with Free Active Duty Checking® accounts receive pay one business day early.

Military pay is typically issued by check or direct deposit on the 1st and 15th of each month, providing a predictable semi-monthly schedule.

To view the official Navy Federal pay dates (including early posting for Active Duty and retiree accounts), visit the NFCU Pay Posting Schedule page or download the calendar for easy reference.

Active duty service members receive predictable base pay along with tax-free benefits like Basic Allowance for Subsistence (BAS) and Basic Allowance for Housing (BAH). For a detailed breakdown of your compensation, check your Leave and Earnings Statement (LES).

Although military pay is normally deposited on the 1st and 15th of the month, weekends, holidays, or longer pay periods can affect the exact date. Institutions like Navy Federal and United Services Automobile Association (USAA) may post your pay up to one business day early if you have an eligible account.

With a free Active Duty Checking account at Navy Federal, you'll receive early access to pay and can monitor deposit activity online, via text or email notifications, or through the mobile app. You may also want to explore Navy Federal Certificates of Deposit (CD) as a low-risk way to grow your savings.

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