Permanent Change of Station (PCS) is a reality for Servicemembers, but that doesn’t mean it’s easy. Uprooting your life is hard enough, but a PCS means military spouses and children have to move as well—and that means new housing and school districts in a new city, state, or even country.
Luckily, Navy Federal Credit Union supports Servicemembers through this process and knows how to make your move a success. Whether you have two weeks or six months to prepare, the Navy Federal PCS resource hub will help you manage moving costs, handle your home and car, and prepare your accounts for you and your family.
Here are just a few things you can find in the hub:
Checklists
Navy Federal provides robust PCS checklists, moving tips, and comprehensive to-do lists to help military members navigate the PCS process with ease.
From preparation to moving day, you’ll be settling into your new community with confidence.
Military families typically move due to PCS orders every two to four years, so staying organized throughout the process helps make your transition smoother. They even have a checklist to help prepare your pet for the move!
Spending Calculator
Navy Federal has a calculator to help you track expenses and budget for the next duty station. It lets you enter expenses like home, auto, childcare, insurance, and more to see exactly how much you’re spending each month.
Navy Federal also provides countless savings and budget resources to help you improve your financial readiness, including budgeting for big expenditures like saving for a first home, buying a car, or paying for college.
Special Product Offers
To help manage moving expenses, Navy Federal offers a special credit card offer with 0% intro APR on purchases for the first 12 months when you open a new Platinum Credit Card. After that, a variable APR between 10.24% and 18% applies.1 This card is only available for new cardholders who have primary or joint ownership of a Free Active Duty Checking® account at Navy Federal, already PCSed in 2026 or received PCS orders in 2026 for an upcoming move, or never used this offer on any existing credit cards with Navy Federal.
Servicemembers and military families can also take advantage of special offers available during May 2026 in honor of National Military Appreciation Month, including a Free Active Duty Checking® Account with a cash bonus, 0.25% lowered VA home loan rates, and investment opportunities.
24/7 Member Service Team
Navy Federal provides real-time guidance to connect members with PCS resources. You can schedule an appointment with a free financial counselor, call the 24/7-member service team, or chat online with a live agent or virtual assistant.
Your Solution to Burnout
It’s easy to get overwhelmed, which is why it’s so helpful to familiarize yourself with the Navy Federal PCS hub, including checklists, informative articles, and frequently asked questions. Once your orders come in — no matter how much time you actually get to PCS — you’ll be prepared.
And don’t forget to check out more about how Navy Federal is celebrating Military Appreciation Month at navyfederal.org/celebrate.
Navy Federal Credit Union is federally insured by NCUA.
This content is intended to provide general information and should not be considered legal, tax, or financial advice. It is always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation.
1As of 05/22/2026, rates range from 10.24% APR to 18.00% APR, are based on creditworthiness, and will vary with the market based on the U.S. Prime Rate. ATM cash advance fees: None if performed at a Navy Federal branch or ATM. Otherwise, $0.50 per domestic transaction or $1.00 per foreign transaction. Offer excludes Home Equity Line Platinum credit cards and is limited to one Navy Federal credit card per member. Limit of one promotional offer at account opening. Navy Federal reserves the right to change or end this offer at any time.