Navy Federal Credit Union vs Wells Fargo
Navy Federal Credit Union is a savings account with low APY, best for military personnel. How does it compare to Wells Fargo? Read our comparison chart below.
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| Learn More | Learn More | |
Navy Federal Credit Union | Wells Fargo | |
|---|---|---|
Referral Program - Up to $500 Bonus - | Personal Checking Account - $125 Bonus | |
Benefits and Features | ||
| Savings | Share Savings Account: 0.25% APY. $5 minimum deposit. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. | 0.01% APY. Minimum opening deposit of $25. Monthly service fee of $5, unless you maintain a minimum daily balance of $300, make 1 automatic transfer each fee period of $25 or more from a linked Wells Fargo checking account, make 1 automatic transfer each business day within the fee period of $1 or more from a linked Wells Fargo checking account, make 1 or more Save As You Go® transfers from a linked Wells Fargo checking account, or primary account owner is 24 years old or under. |
| CD | Standard Certificate: as high as 4.05%. Terms of 3 months to 7 years. Minimum deposit of $1,000. | Standard Fixed Term CD available online: 2.00% APY. Terms of 3 months to 1 year. Minimum deposit of $2,500. Relationship APY: 2.01% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. More CD terms are available in branch. |
| Checking | Free Active Duty Checking, Free Easy Checking, Free EveryDay Checking, Flagship Checking, Free Campus Checking, Business Checking Accounts | Clear Access Banking, Everyday Checking, Prime Checking, Premier Checking |
| Mobile App | ||
| ATMs | Over 1.7 million Navy Federal and CO-OP Network ATMs | 11,000+ ATMs across the country |
| Customer Service | Phone: 888-842-6328 24/7 customer support Online chat | Available 24 hours a day, 7 days a week. |
| IRA CD | As high as 4.05%. Terms of 3 months to 7 years. Minimum deposit of $1,000. | Standard Term CD: 0.01% to 2.75% APY. Terms of 1 month to 144 months. Minimum deposit of $1,000. Relationship APY: 0.02% to 2.76% APY when you link a Wells Fargo Prime Checking, Premier Checking, or Private Bank Interest Checking account to the CD. |
| Locations | approximately 4,100 retail banking branches coast to coast | |
CreditDonkey® Reviews | ||
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| Pros & Cons | Pros:
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| Bottom Line | Savings account with low APY, best for military personnel... | A "big 4" bank with a good range of checking accounts and full services... |
| Learn More | Learn More | |
Navy Federal Credit Union: Pricing information from published website as of 03/24/2025 based on 91107 zip code. Wells Fargo: Pricing information from the published website as of 04/17/2025 is based on the 91101 zip code. | ||
Which is Better: Navy Federal Credit Union or Wells Fargo?
Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing Navy Federal Credit Union or Bank of America.
In short: Wells Fargo's mobile app is impressive.
Articles on Navy Federal Credit Union
Navy Federal High Yield Savings
Navy Federal Credit Union provides various financial products. But do they have a high-yield savings account? Find out here.
Articles on Wells Fargo
Wells Fargo Bank Review
Wells Fargo offers nationwide access with thousands of ATMs and branch locations. But are their checkings and savings accounts right for you? Read on to see the best options.
Wells Fargo Checking Account Bonus
Wells Fargo may offer a cash bonus when you open a checking account. Read on to learn more.
Wells Fargo High Yield Savings Review
Looking for a traditional bank to grow your funds? Wells Fargo offers a high-yield savings account with a decent rate. Read on to find out more.
Wells Fargo Bank CD Rates
Wells Fargo is one of the largest banks in the U.S. Should you get a Wells Fargo CD? Might be worth considering. Learn more.
Wells Fargo Bank Hours
Wells Fargo is one of the biggest banks in the country. Here's when you can visit a branch near you.
Wells Fargo Routing Number
Not all routing numbers are the same for Wells Fargo. Here's how to find the routing number for your bank account.
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