Become a Member
Our members are the mission
Start your financial journey with Navy Federal
Enjoy the support and great service of a credit union that puts your needs first.
Under 18? Learn about minor membership.
Who can join Navy Federal?
For more than 90 years, we’ve been providing financial support to the military, Veterans and their families. So, who’s eligible?
Once you’re in, don’t keep it to yourself! Share with your eligible family and friends!
Why join Navy Federal?
See what our members have to say
I have trusted Navy Federal for many years now because of their efficiency and high-quality standards. In my opinion, they represent true American banking at its best.Footnote [1]
- Navy Federal Member Lillian
Reach your financial goals
Tools and products to help you meet your goals
Home buying made easy
As a top VA lender,Footnote [2] we understand the unique needs of Servicemembers, Veterans and their families. From VA loans to our Military Choice Home Loan, you have options.Footnote [3]
A 360-degree view of your finances
Track spending, create a budget, monitor credit and view all your accounts and investments—even those at other banks—all for free with My MakingCents.
Explore My MakingCentsto tracking spending
Free Active Duty Checking®
Get up to $20 in ATM fee rebates per statement period, free checks and early access to pay with qualifying military direct deposit.
Membership is a big deal
Our members could earn and save $461Footnote [4] per year by banking with us. See how you can take advantage of your new membership perks.
Discover more ways to belong
Ready to join Navy Federal?
FAQs
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What documents or information do I need to apply?
To get started, have the following ready:
- Social Security numberFootnote [5]
- Driver’s license or government IDFootnote [5]
- Current home addressFootnote [5]
- Credit card or bank account and routing number to fund your accountFootnote [6]
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How can I join Navy Federal if I’m not in the military?
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:
- Parents
- Grandparents
- Spouses
- Siblings
- Children (including adopted and stepchildren)
- Grandchildren
For more information, visit our Membership Eligibility page.
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Am I still eligible for membership if the Veteran or Servicemember in my family is deceased?
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.
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How can I invite family or friends to join Navy Federal?
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.
Disclosures
The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.
↵Navy Federal Credit Union was a top 10 VA Lender by overall volume and total loan amount in 2025 by VA.
↵100% financing subject to all VA rules, guidelines, and additional program requirements. All loans subject to approval. VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.
↵Dollar value shown represents the results of the 2024 Navy Federal Member Giveback Study. The Member Giveback Study takes into consideration internal market analyses comparing Navy Federal products with industry national averages, as well as member discounts, incentives, and other savings.
↵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.
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