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Total Money Management in One Place

With My MakingCents, track spending, create a budget, monitor credit and view all accounts and investments (even those at other banks)—for free.

Take Me to My MakingCents 

What is My MakingCents? 

Video Transcriptfor What Makes Up Your Credit Score?

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A man and woman with three children and a stroller at an amusement park.

 

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NARRATOR: We get that your financial health and goals are unique to you. And we know getting the full picture of your financial status is pretty hard when you don't have the tools you need. The

 

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A woman in a military uniform discusses notifications on her phone with a man in a Navy Federal Credit Union shirt. Notifications from various digital banking apps begin to appear on the screen.

 

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solution, My MakingCents. For the first time ever, from our secure banking site, you can get a 360 degree view of your money, not only at Navy

 

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My making cents webpage appears, showing a credit score tracker, spending tracker, budget tracker and recent account transactions.

 

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Federal but other financial institutions when you add your accounts, all from our secure online banking site.

 

You'll

 

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A woman sits on a couch and smiles as she scrolls on a smartphone. Graphic, a laptop with a lock on the screen.

 

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get all the answers to your financial questions. Like, what's my net worth? Am I spending too much on entertainment and food? What's my credit score? And how can I increase it? Have I saved enough? What's next?

 

You can view all your accounts, including those outside of Navy Federal side by side, so you can make informed decisions when it comes to your financial future. You'll also get a view of all your spending patterns. And you can create a custom budget based on your average spending that works for you.

 

Wondering where your money is going? You'll get a live view of your spending in categories you set, like food, travel, home, and more. Tools like this usually come with a subscription fee, but because you're a member, it's free. You get to choose the features that help you map your next money moves.

 

Your financial success is our number one priority. And with My MakingCents, you'll feel inspired by your accomplishments, motivated to meet your goals, and ready to master your next mission. Let's get started.

 

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Logo, my Making Cents. Text, Let's get started!

 

Logo and text, Navy Federal Credit Union. Army, Marine Corps, Navy, Air Force, Space Force, Coast Guard, Veterans. Our Members are the Mission. Insured by NCUA. Images used for representational purposes only; do not imply government endorsement. Small details may vary slightly from those shown.

 

Audio Described Video 

Featured Tool

Subscription and Bill Manager

Ever started a subscription and then forgotten about it? Everyone has! But that means your hard-earned money could be slipping through your fingers on services you're not even using.

Our subscription manager lets you track and make updates to upcoming payments and recurring bills—all from one location. We’ll even connect you directly to the merchant so you cancel any unwanted subscriptions. And, when you link your external accounts, you'll see your recurring charges at other financial institutions as well.

To get started, sign in to your account, select My MakingCents, then My Stats and Subscriptions & Bills.

Check It Out

View All Your Money at a Glance

Get your full financial picture when you add your external accounts. You can view transactions, loans, investments and more side by side—even those at other banks and credit unions!

Focus on Your Spending Habits

View your spending by categories—think food, travel, home expenses and more—so you can spot trends and make improvements.

Build Budgets Based on Your Finances

Stay on track by creating budgets for specific accounts based on your average spending and needs. 

Get Credit for Your Recurring Payments

Build your credit history with Bloom+Footnote 1 for recurring payments like rent, utilities and phone bills. Choose which payments you want to report so you can grow your credit.

My MakingCents Has More to Offer

Frequently Asked Questions

Your information is automatically updated each time you sign in to My MakingCents. Keep in mind that external accounts may take more time to be accurately reflected.

We take your data privacy and security seriously. All personal information is encrypted through best-in-class industry standard protocols. We maintain strict safeguards, including firewall barriers, encryption, authentication procedures and physical safeguards to protect your information from loss, alteration, unauthorized disclosure and misuse.

See the Navy Federal Credit Union's Online Privacy Policy for more information on how your data is protected.

Only Navy Federal has access to your information. Your account credentials are encrypted and cannot be viewed.

Your personal information is never sold by Navy Federal Credit Union. See the Account Aggregation Terms of Use for more details.

The following accounts can be added:

  • Checking
  • Savings
  • Personal Loans
  • Auto Loans
  • Mortgages
  • Investments

Most external accounts will be available, but some are not available due to data sharing agreements. We’re working with our data provider to provide more coverage. 

No, you can only view your external account information in My MakingCents. If you have specific questions about your external account, you’ll need to contact the other financial institution.

Your cancelation will update on our site after the following payment cycle. However, if you’d like to remove it sooner, you can manually remove certain subscriptions once you’ve canceled.

We’re not able to cancel subscription services or recurring payments for you. However, we’ll route you directly to the merchant’s site so you can securely sign in and complete their cancelation process.

Subscriptions that are not monthly may not show unless you have 3 consecutive yearly or quarterly payments (ex. Amazon Prime® and other annual subscriptions). Apple® and Google® subscriptions also will not show.

Disclosures

1

Using Bloom+ does not guarantee any specific results, including any improvement to your credit score. The Bloom+ service is intended to help enrich the data set that is used to calculate your credit score by using alternative repayment history that is commonly not used in various credit score models. There are many factors that are generally used in credit score models, and, therefore, Bloom+ cannot predict with certainty how its service will change your credit score, nor can Bloom+ control which credit scoring models will take the furnished repayment data through Bloom+ into consideration.

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