Become a Member
Who Can Join?
For more than 90 years, we’ve been providing financial support to the military, Veterans and their families. So, who’s eligible?
- Active Duty—including members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard and Space Force
- Veterans—no matter how long you served, you’re in!
- Immediate Family Members—including spouses, siblings, parents, children, grandparents and grandchildren
- Department of Defense (DoD) employees
Once you’re in, don’t keep it to yourself! Share with your eligible family and friends!
Why Join Navy Federal?
Once you become a member, you’re part of our family. We’re dedicated to providing you with all the exceptional service you need to reach your financial goals along with the banking experience you deserve. Our stateside member reps are here for you 24/7.
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Tools and Products With Great Rates
Get access to excellent member benefits, including competitive rates, superior service and free checking options.
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Low Fees, Low Charges
Since we're a not-for-profit organization, one of the benefits of membership is that we keep our fees and charges low.
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A 360-Degree View of Your Finances
With My MakingCents, get a customized budget, monitor all your accounts (even those outside of Navy Federal), view your spending by categories and so much more to give you the support your financial health needs—in one trusted location.
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Convenient Banking
With multiple ways to bank, you get access to your money the way you want it, when you want it—on your mobile device,* online, in person or at an ATM.
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Home Buying Made Easy
We're a top VA lender. If you've used up your VA eligibility, check out our Military Choice Home Loan, a great option for servicemembers and Veterans.
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Special Offers & Discounts
Enjoy member-exclusive offers and discounts that could save you money on auto insurance, car rentals and more.
Learn More about Special Offers & Discounts
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**
*Note: 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.
Membership Is a Big Deal
Our members could earn and save $461Footnote 1 per year by banking with us. See how you can take advantage of your new membership perks.
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.
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
Disclosures
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 discounts, incentives, and other savings.