Navy Federal Pay Dates for 2026
Navy Federal Credit Union 2026 Pay Dates
One benefit of being a Navy Federal Credit Union member is having funds made available early if you have Active Duty Checking. Find the standard military pay dates and Navy Federal pay dates below.
Military Pay Dates
Military paydays are typically on the 1st and 15th of every month—everyone knows that! But what if the actual military pay date falls on a weekend or a holiday?
Navy Federal Credit Union deposits funds early for some members. This will depend on the checking account that you have. An Active Duty Checking account will receive funds earlier than other checking accounts.
It is important to note, as confirmed by Navy Fed, that if a military payday falls on a Monday, Regular Military Funds will go in the Saturday before, and Active Duty Checking will go on Friday. Funds are typically available the day before the military pay date.
Editor’s Note: These paydays are estimates. The following tables are for informational purposes only.
2026 Pay Dates for Navy Federal CU
The Navy Federal official site reminds if you have NFCU Free Active Duty Checking, you “automatically” receive Direct Deposit funds one business day early. In spite of the name, Active Duty Checking is an option offered to active duty military, Reserve members, and military retirees. Any reference below to Free Active Duty Checking refers to this program. The option (at press time) offers rebates on ATM fees, no service fees, and no minimum monthly balance.
| DFAS Official 2026 Pay Date | Estimated 2026 Navy Federal Pay Date |
|---|---|
| Jan 16 | Jan 15 |
| Jan 30 | Jan 29 |
| Feb 13 | Feb 12 |
| Feb 27 | Feb 26 |
| Mar 13 | Mar 12 |
| Mar 27 | Mar 26 |
| Apr 10 | Apr 9 |
| Apr 24 | Apr 23 |
| May 8 | May 7 |
| May 22 | May 21 |
| Jun 5 | Jun 4 |
| Jun 18 | Jun 17 |
| Jul 15 | Jul 14 |
| Jul 31 | Jul 30 |
| Aug 14 | Aug 13 |
| Aug 28 | Aug 27 |
| Sep 15 | Sep 14 |
| Sep 25 | Sep 24 |
| Oct 15 | Oct 14 |
| Oct 23 | Oct 22 |
| Nov 13 | Nov 12 |
| Nov 20 | Nov 19 |
| Dec 18 | Dec 17 |
| Dec 31 | Dec 30 |
NavyFed Retiree Payment Dates 2025
If you draw military retirement pay, your payday delivery “differs a little” from Navy Federal’s standard, according to Navy Federal. The pay dates are not identical to Active Duty military pay dates, and if you are newly retired, you’ll need to adjust your calendars to reflect Direct Deposit dates (below) for military retirement pay instead of active duty pay.
NFCU says its retired military members who have Free Active Duty Checking accounts automatically get their retirement pay one business day early.
| Month | Direct Deposit Date |
|---|---|
| January | Jan. 31 |
| February | Feb. 28 |
| March | April 1 |
| April | May 1 |
| May | May 30 |
| June | July 1 |
| July | Aug. 1 |
| August | Aug. 29 |
| September | Oct. 1 |
| October | Oct. 31 |
| November | Dec. 1 |
| December | Dec 31, 2026 |
NavyFed Annuitant Payment Dates 2025
| Month | Direct Deposit Date |
|---|---|
| January | Feb. 3 |
| February | Mar. 3 |
| March | Apr. 1 |
| April | May 1 |
| May | June 2 |
| June | July 1 |
| July | Aug. 1 |
| August | Sep. 2 |
| September | Oct. 1 |
| October | Nov. 3 |
| November | Dec. 1 |
| December | Jan. 2, 2026 |
Learn more about Navy Federal Credit Union benefits and perks.
PAY AND BENEFITS UPDATES
- BAH Rates
- Military Pay Raise and Pay Charts
- Military Pay Dates
- USAA Pay Dates
- National Guard Pay and Reserve Pay
- Reserve Pay Dates (@ MyMilitaryBenefits.com)
About the author
Julie Provost is a freelance writer, and blogger. She lives in Tennessee with her National Guard husband and three boys.
