This one actually looks pretty real (barring the fact that I don't have an account with Navy Federal Credit Union, nor have I or any relation of mine ever been in the Navy.)

Upon closer inspection, it appears that in addition to a couple bits of missing punctuation and a complete lack of identifying information the reckless little scamps forgot the most important part of the whole thing! None of this message is a hyperlink. They forgot to include the fraudulent link to the form they are hoping to get their "victims" to fill out.