Eligibility depends on a few variables. Veterans, retired servicemembers and Active Duty in all branches of the armed forces are eligible for membership. That includes:
Our field of membership also covers DoD civilian personnel who support our armed forces. This includes:
Eligibility also extends to certain family members of those who meet this criteria. See details below or for more information, visit our Membership Eligibility page.
Immediate family and household members (including roommates) of current and retired members of the armed forces, DoD personnel and current Navy Federal members are eligible to join. Immediate family includes:
For more information, visit our Membership Eligibility page.
In addition to the personal information you'll need to supply for yourself, you'll also need to provide the following details about your sponsoring member:
Yes, you're still eligible for membership. Keep in mind you may be asked to submit documentation like a DD-214 form proving your deceased family member would have been eligible for membership.
You can refer your eligible friends and family members by visiting our Membership Referral page. Remember, your immediate family members and household members are eligible if you're a current Navy Federal member.
Visit our Value of Membership and Offers and Discounts pages to learn more about the benefits of Navy Federal membership, including low fees and great rates to exclusive member perks and financial tools and products.
You'll need the following documents and information:
Note: You’ll need these for any joint owners you’d like to add. A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.
The application process typically takes 5 minutes.
If you open your checking account online or over the phone, we’ll mail your debit card to the address listed on your application within 1 business day. Actual delivery of the card depends on postal service in your area. You can also open a checking account in a branch and receive your debit card while you’re there.
Activate your debit card by calling 1-888-842-6328 or by signing in to your account via digital banking.* Learn more about the features and functions of your new debit card.
You can fund your savings account via digital banking, at a branch or ATM, by mailing a check or by calling us at 1-888-842-6328. Learn more about savings account options at Navy Federal.
Yes. There’s no limit to the number of savings or checking accounts you can have.
Our digital banking tools give you quick, direct access to your funds. You can access your accounts and automate your finances using our mobile app or online banking to quickly and easily manage your money on the go. Explore these convenient features we offer:
For more information, visit our mobile and online banking page.
To add a joint owner, you and the other person need to visit a branch together to validate their identity and start the enrollment process. If they’re not available, you can initially open your account as an individual and then request an application to add them later.
You can have up to 3 joint owners on each of your savings or checking accounts.
No. A joint owner shares access to your account but isn't necessarily a member of Navy Federal. To become a member, you or one of your family or household members must have ties to the armed forces, DoD or National Guard.
Joint ownership with survivorship means that if one of the owners of the account dies, the surviving owner will inherit their share.
Without survivorship, their share would pass to their estate or heirs, rather than to the surviving owner.
You will need these for any joint owners you would like to add.
A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.
Zelle® is available to bank account holders in the U.S. only. To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle®. Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Note: This service is not intended to replace the current member-to-member transfer options Navy Federal offers. It is available for members who do not have the option to complete an internal transfer or an ACHO (Automated Clearing House Operation) with an account and routing number. Members can also send funds to non-Navy Federal members.
Since 1933, Navy Federal Credit Union has grown from 7 members to over 13 million members. And, since that time, our vision statement has remained focused on serving our unique field of membership:
"Be the most preferred and trusted financial institution serving the military and their families."
24/7 Member Services: 1-888-842-6328 Routing Number: 256074974
© 2024 Navy Federal Credit Union. All rights reserved
Navy Federal conducts all member business in English. All origination, servicing, collections, and marketing materials are provided in English only. As a service to members, we will attempt to assist members who have limited English proficiency where possible. Military images are used for representational purposes only; do not imply government endorsement. Terms and conditions are applied to gift cards.
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