Navy Federal Credit Union
Navy Federal Credit Union

Frequently Asked Questions

Q: Are my stepchildren eligible for membership?
A: Yes, children—natural, adopted, step—are eligible.

Q: How do I add a joint owner to my account?
A: If you are opening your account(s) with a joint owner/co-applicant, they must be present during the enrollment process in order to validate their identity.
If they are not available, open your account as an individual and request the appropriate application(s) to have a co-applicant added at a later date.

Q: How many joint owners can I have on a savings account?
A: You can have as many joint owners on a savings account as you would like.

Q: How many joint owners can I have on a checking account?
A: You can have two joint owners on a checking account.

Q: Can I have more than one savings or checking account?
A: There is no limit to the number of savings or checking accounts you can establish.

Q: What does joint ownership with survivorship mean?
A: On the death of an owner of the account, the deceased owner's shares in the account pass to the surviving owner of the account.

Q: What does joint ownership without survivorship mean?
A: On the death of an owner of the account, the deceased owner's shares in the account pass as part of the deceased owner's estate.

Q: If I leave your field of membership, will I have to close my Navy Federal accounts?
A: No, once you've joined, you can remain a member as long as you have active accounts.

For more information, please call 1-888-842-6328, international numbers.

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  • Mortgages5/5 ARM as low as+
    3.403%APR
  • Auto Loansas low as+
    1.49%APR
  • Certificatesas high as
    3.00%APY
  • Checkingas high as
    0.45%APY
  • Credit Cardsas low as++
    7.99%APR
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