Navy Federal Pay Dates for 2025
Navy Federal Credit Union 2025 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.
2025 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 Freee 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.
| Military Payday | NFCU Pay Date |
| Jan. 15 | Jan. 14 |
| Jan. 31 | Jan. 30 |
| Feb. 14 | Feb. 13 |
| Feb. 28 | Feb. 27 |
| Mar. 14 | Mar. 13 |
| Apr. 1 | Mar. 29 |
| Apr. 15 | Apr. 12 |
| May 1 | Apr. 30 |
| May 15 | May 14 |
| May 30 | May 29 |
| June 13 | June 11 |
| July 1 | June 28 |
| July 15 | July 12 |
| Aug. 1 | July 31 |
| Aug. 15 | Aug. 14 |
| Aug. 29 | Aug. 28 |
| Sep. 13 | Sep. 12 |
| Oct. 1 | Sep. 30 |
| Oct. 15 | Oct. 11 |
| Oct. 31 | Oct. 30 |
| Nov. 14 | Nov. 13 |
| Nov. 29 | Nov. 27 |
| Dec. 13 | Dec. 12 |
| Dec. 31 | Dec. 30 |
NavyFed Retiree Payment Dates 2025
If you draw military retirement pay, your payday delivery “differs a little” 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.
| Retiree Pay Dates for 2025 | |
|---|---|
| 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
| NFCU Annuitant Pay 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.