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!
Kick-start their financial adventure with Youth Week
We’re celebrating Youth Week April 13-27! Take the first step to help them confidently build money skills with exciting special offers, including a $25 bonus when you open a new minor membership for them.Footnote [1]
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 [2]
- 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 [3] we understand the unique needs of Servicemembers, Veterans and their families. From VA loans to our Military Choice Home Loan, you have options.Footnote [4]
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 can earn and save $473Footnote [5] 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 [6]
- Driver’s license or government IDFootnote [6]
- Current home addressFootnote [6]
- Credit card or bank account and routing number to fund your accountFootnote [7]
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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
Offer valid between 04/13/2026 and 04/27/2026 and can expire anytime without prior notice. To open a minor membership account, the person opening the account must be an existing member and a parent, grandparent, or guardian of the minor. To receive the $25 bonus, the minor must be under 18 years of age and eligible to join. This offer may not be combined with any other new member join offers at the time of account opening. Navy Federal member eligibility is open to members of the Coast Guard, all Department of Defense uniformed personnel, Reservists, Active Duty, retired, Veterans, Army and Air National Guard, DoD civilian employees, contractors, and their immediate family. $5 minimum balance is required to open and maintain Membership Share Savings account and to obtain a bonus. If the minor's new Membership Share Savings account has not been funded at the time the bonus is credited, we will hold the minimum $5 share required for their membership. Annual Percentage Yield (APY) 0.25%, effective 02/23/2026. Fees may reduce earnings, and rates may change. Bonus will be deposited into the minor's Membership Share Savings account by 06/30/2026. Accounts must be in good standing for credits to be processed. Recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive. Offer not available via mobile app.
↵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 reflects the 2025 Navy Federal Member Giveback Study, which considers internal analyses comparing Navy Federal products to industry national averages, and includes dividends earned on savings, lower loan rates, discounts, and other benefits. Individual results will vary.
↵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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