Plummer, I'll parrot what everyone else here has said:
1) Finish your Master's. You will not have time to finish your Master's during your initial sea tour. You're looking to at least 3 years in the Navy before you can even consider it. Surface Warfare Officers' main jobs are to drive ships. To do that, they need to be out to sea. You can wait one semester to finish your Master's prior to entering OCS.
2) Whether you choose to pursue a PhD is up to you, but realize that there are age limits for commissioning programs. Also remember that applying to OCS is a 6-12 month process, and you might need to apply more than once. Sit down and figure out your timeline for each choice before deciding.
3) As a Criminal Justice major, I'm sure you've done plenty of writing. By now I'd hope you have learned that writing coherently and intelligently is important in the business world. Even though this is an internet forum, try to at least put a little effort into capitalization and punctuation.