Navy Federal Credit Union
Navy Federal Credit Union

Become a Member of Navy Federal

What You Need to Join
  • Social Security Number
  • Driver's license or government ID
  • Current home address (previous address required if at current address for less than two years)
  • Credit card or bank account and routing number to fund your account (if applicable)
  • Email address

Adding a Joint Owner?

    You'll need to provide the following joint owner introduction:

  • Social Security Number
  • Driver's license or government ID
  • Current home address (previous address required if at current address
    for less than two years)

Joining Through a Family or Household Member?

    Family and household members will be referred to as 'sponsors' (the persons through whom you are eligible for membership) throughout the application process. If you are using a sponsor for membership eligibility, you will need to provide the following information:

  • Sponsor's last name
  • Sponsor's Access Number or last four digits of sponsor's Social Security Number
    and date of birth
  • Sponsoring member's affiliation (e.g., Army, Air Force, Contractor)

Get Started
Your personal information is safe and secure with Navy Federal.
This will only take about 10 minutes to complete.

You must be at least 18 years old to join online. If you are under 18, visit a branch or call us at 1-888-842-6328.

Already started an application? Retrieve Saved Application | Apply by Mail

USA Patriot Act–Important information about opening a new account: Federal law requires that we obtain, verify, and record information that identifies each person who opens an account. Within this application, we ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Approval of your application may be delayed pending further verification of your identity.

Use of released U.S. Department of Defense imagery does not constitute product or organizational endorsement of any kind by the U.S. Department of Defense. U.S. Department of Defense photo.

Eligibility Requirements

Navy Federal's field of membership is determined by the National Credit Union Administration. If you fall under any of these categories, you're eligible to join:

Department of Defense (DOD)
Uniformed Personnel
Army, Marine Corps, Navy, and Air Force Active Duty, retirees, and annuitants
United States Coast Guard Personnel
Active Duty, reservists, civilian employees, retirees, and annuitants
Department of Defense Reservists
including Army, Marine Corps, Navy, and Air Force retirees and annuitants
Army and Air National Guard Personnel
including civilian employees, retirees, and annuitants
Delayed Entry Program (DEP) Personnel
Please call 1-888-842-6328 to apply
DOD Officer Candidate Programs
Midshipmen and cadets at the United States Naval Academy. United States Military Academy. United States Air Force Academy. United States Coast Guard Academy and the United States Merchant Marine Academy. Other office programs.
U.S. Government Employees Assigned to DOD Installations
including Coast Guard
DOD Civilian Employees
including retirees and annuitants
DOD Contractors Assigned to U.S. Government Installations
Family Members
including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren), and household members. Once your family members have joined, their family members are also eligible for membership.

  • Mortgages5/5 ARM as low as+
    3.484%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
  • More Rates