Become A Member
Our Members Are the Mission
Our Members Are the Mission
Enjoy the support and great service of a credit union that puts your needs first.
Under 18? Learn about minor membership.
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.
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Exceptional Service
Our stateside member reps are here for you 24/7. Reach us online, over the phone or at a branch.
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Powerful 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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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 save you money on auto insurance, car rentals and more.
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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.
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.
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.
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
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.
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