Navy Federal Credit Union (NFCU) is a leading financial institution for military service members. There are many benefits of having a checking account at Navy Federal, such as ATM rebates, free checks, and the ability to receive your military pay early if you have an Active Duty Checking Account.

While military payday is scheduled for the 1st and 15th of every month, the day you receive the pay in your account varies if it lands on a holiday or weekend. However, if you have an account in NFCU, you’ll be able to receive your pay one day early.

Navy Federal pay dates are the calendar dates on which the semi-monthly payments you receive will be reflected as deposited and available in your bank account. If you have an Active Duty Checking account, NFCU can receive your direct deposit pay one day early. 

If you’re a member of the credit union, you’re eligible to open an Active Duty checking account and use it for direct deposit of employment-related compensation from any U.S. Military branch (Army, Navy, Air Force, Marine Corps, Coast Guard, and Space Force).  Military spouses and other family members are eligible to open an account and receive their pay a day early as well.

Keep in mind that if you have any other type of checking account, such as EveryDay Checking, Campus Checking, or Flagship Checking, early deposit isn’t available. With these accounts, you’ll get funds on your regular payday.

All Navy Federal members with an Active Duty checking account are eligible to receive their pay one day early. Here’s a look at when you can expect to receive your pay in 2024.

Navy Federal Pay Dates for 2024

With the 5.2% military pay raise in 2024 announced by the Department of Defense (DOD), many service members are eagerly waiting for paydays. Here’s a Navy Federal pay dates calendar for 2024 so you can plan your finances better.

MonthNFCU Military Pay DateActual Payday
January11 Jan and 31st Jan12 Jan and 1 Feb
February14 Feb and 29th Feb15 Feb and 1 March
March14 March and 29 March15 March and 30 March
April12 April and 30 April13 April and 1 May
May14 May and 30 May15 May and 31 May
June13 June and 28 June14 June and 29 June
July12 July and 31 July13 July and 1 Aug
August14 Aug and 29 Aug15 Aug and 30 Aug
September12 Sep and 30 Sep13 Sep and 1 Oct
October11 Oct and 31 Oct12 Oct and 1 Nov
November14 Nov and 27 Nov15 Nov and 28 Nov
December12 Dec and 30 Dec13 Dec and 31 Dec

Navy Federal Retiree Pay Dates for 2024

If you receive retirement pay, your actual monthly pay dates will be different from active duty pay. However, retired military members with Active Duty checking accounts can still get their pay one day early.

MonthNFCU Military Pay DateActual Payday
January31 Jan1 Feb
February29 Feb1 March
March29 March30 March
April30 April1 May
May30 May31 May
June28 June29 June
July31 July1 Aug
August29 Aug30 Aug
September30 Sep1 Oct
October31 Oct1 Nov
November27 Nov28 Nov
December30 Dec31 Dec

Military pay is sent to you by check or direct deposit semi-monthly (twice a month) on the 1st and the 15th of each month, so you can expect your pay at regular, predictable intervals. If you would like to access Navy Federal pay dates, you can access the Active Duty and retired military posting calendar on NFCU’s website.

You can also download the posting calendar PDF if you’d like to save it for future reference.

Being an active duty service member comes with many perks, such as predictable basic pay and tax-free allowances like Basic Allowance for Subsistence (BAS) and Basic Allowance for Housing (BAH). Your Leave and Earning Statement (LES) will have more information on your earnings.

While most people know that standard active duty military pay dates are on the 1st and 15th of every month, your pay may be delayed due to weekends, holidays, or longer pay periods. Having an account in some financial institutions can have benefits, such as with Navy Federal and USAA, where such payments are reflected as received and available to the account holder(s) one or even two business days early.

If you have a free Active Duty checking account with Navy Federal, you can get your pay one day early. You can stay updated on the pay dates on Navy Federal’s website. You’ll also be able to check whether you received your direct deposit through text and email notifications, by accessing your account online, or through the mobile app.

If you need help or have any questions, customer service is available 24/7. You can reach them at a local branch, over the phone, or online.