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Why Join Navy Federal?

Once you become a member, you’re part of our family. We’re dedicated to providing with you all the support you need to reach your financial goals along with the banking experience you deserve.

See What Our Members Have to Say

Who Can Join?

To become a member, you or one of your family or household members must have ties to the armed forces, DoD or National Guard.

Find Out If You're Eligible to become a member.

Membership Is a Big Deal

Our members could earn and save $3491 per year by banking with us. See how you can take advantage of your new membership perks.

Learn More about some of your new membership perks.

What You’ll Need to Join
  • Social Security Number*
  • Driver’s license or government ID*
  • Current home address*
  • Credit card or bank account and routing number to fund your account**

*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.

Smart Money Habits Start Early

If you’re an existing member and a parent, grandparent or guardian, share the gift of membership with someone under 18 using our online minor membership application. Or, visit a branch or call us at 1-888-842-6328 to learn about opening a minor membership.

Start Minor Membership Application

Business Membership

Own a small business? Once you’re a Navy Federal member, you can become a business member to get access to a suite of products and services designed especially for you.

  • Business credit cards with rewards 
  • Business loans at competitive rates
  • Business checking and savings accounts that earn guaranteed dividends
  • Access to small business professionals and partner resources like payroll and credit card processing

Learn More about Business membership



Based on the results of the 2021 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 discounts, incentives, and other savings.