Become A Member
Why Join Navy Federal?
Once you become a member, you’re part of our family. We’re dedicated to providing you with all the support you need to reach your financial goals along with the banking experience you deserve.
Our stateside member reps are here for you 24/7. Reach us online, over the phone or at a branch.Learn Moreabout Exceptional Service
Powerful Products With Great Rates
Get access to excellent member benefits, including competitive rates, superior service and free checking options.Learn Moreabout Powerful Products With Great Rates
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.Learn Moreabout Low Fees, Low Charges
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.Learn Moreabout Convenient Banking
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.Learn Moreabout Home Buying Made Easy
Special Offers & Discounts
Enjoy member-exclusive offers and discounts that save you money on auto insurance, car rentals and more.Learn Moreabout Special Offers & Discounts
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.
Video Transcript for How to Join Navy Federal Credit Union
So you're thinking of joining Navy Federal Credit Union? Good news. If you're a servicemember, veteran of any branch of the armed forces or a Department of Defense employee, then you're eligible to join. Your immediate family and household members are also eligible.
To join, apply online, stop by a branch to apply in person, or give us a call. You'll need your personal information and a method to fund your account.
Text, Social security number, Driver's license or government ID, Credit card or bank account and routing number.
And when you do join, you can enjoy low fees market-leading rates, member-exclusive discounts, easy digital banking and award-winning service. Now, you're ready to join the Navy Federal community.
Text, Navy Federal Credit Union. Army, Marine corps, Navy, Air Force, Space Force, Coast Guard, Veterans. Our Members are the Mission.
Visit NavyFederal.org or call 1-888-842-6328 to join. Insured by NCUA. Images used representational purposes only, do not imply government endorsement. Message and data rates may apply. Visit NavyFederal.org for more information. Value claim based on Navy Federal's 2021 Member Giveback Study. NFCU copyright 2023.
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.
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.
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.
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
Dollar value shown represents the results of the 2022 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.↵