Become a Member Welcome to Better Banking

Enjoy the support of a financial institution that puts your needs first.

Join Now

If under 18, see below to open a minor membership.

Servicemembers & Veterans

Eligibility

  • Active Duty members of the Army, Marine Corps, Navy, Air Force, and Coast Guard
  • Army and Air National Guard
  • Delayed Entry Program (DEP)
  • DoD Officer Candidate/ROTC
  • DoD Reservists
  • Veterans, retirees and annuitants

What You'll Need to Join

  • Social Security Number*
  • Driver's license or government ID*
  • Current home address*
    Plus previous address if at current address for less than six months
  • Credit card or bank account and routing number to fund your account
    If applicable
  • Phone number
  • Email address

*What you'll need to add a joint owner.

DoD Civilians

Eligibility

  • DoD civilian employees
  • U.S. Government employees assigned to DoD installations
  • DoD contractors assigned to U.S. Government installations
  • DoD civilian retirees and annuitants

What You'll Need to Join

  • Social Security Number*
  • Driver's license or government ID*
  • Current home address*
    Plus previous address if at current address for less than six months
  • Credit card or bank account and routing number to fund your account
    If applicable
  • Phone number
  • Email address

*What you'll need to add a joint owner.

Family Members

Eligibility

Immediate family members of current members and those who are eligible for membership. Immediate family includes:

  • Grandparents
  • Parents
  • Spouses
  • Siblings
  • Children (including adopted and stepchildren)
  • Grandchildren
  • Household members

If you're an existing member and a parent, grandparent or guardian, share the gift of membership with your minor. Add a Minor Membership
Not available via mobile app.

What You'll Need to Join

  • Social Security Number*
  • Driver's license or government ID*
  • Current home address*
    Plus previous address if at current address for less than six months
  • Credit card or bank account and routing number to fund your account
    If applicable
  • Phone number
  • Email address

*What you'll need to add a joint owner.


Joining through a family member (sponsor), you’ll also need:
  • Sponsor’s last name
  • Sponsor’s Access Number or last four digits of their SSN and date of birth
  • Sponsor’s affiliation (e.g., Army, Navy, Contractor)

If your eligible family member is not currently a member of Navy Federal, please call 1-888-842-6328 or visit a branch.

  • This application should take about 10 minutes to complete.
  • Your personal information is always safe and secure with Navy Federal.

USA Patriot Act: Federal law requires that we obtain, verify and record information that identifies each person who opens an account, including joint owners. Within this application, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Approval of your application may be delayed pending further verification of your identity.

Field of Membership determined by NCUA.

Consumer Reports: By submitting an application, you authorize Navy Federal to obtain a consumer credit report to evaluate your creditworthiness so that you may be considered for other Navy Federal products and services. You also authorize Navy Federal to obtain consumer reports for purposes of evaluating the membership application and reviewing any Navy Federal accounts you open. You understand these reports may be used in decisions to deny account applications, close accounts, and/or restrict accounts or services.

Open a Minor Membership

If under 18, visit a branch or call us at 1-888-842-6328 to learn about opening a minor membership account.

If you're an existing member and a parent, grandparent or guardian, share the gift of membership with your minor through our online application. Not available via mobile app.

Add a Minor Membership Now

Adding a Joint Owner?

A joint owner shares access to your account but isn't necessarily a member of Navy Federal.

  • Social Security Number
  • Driver's license or government ID
  • Current home address (previous address is required if at current address for less than six months)

Are You Eligible to Become a Member?

Are you or have you ever been affiliated in any way with the Armed Forces, DoD, Coast Guard or National Guard?

This includes Active Duty, reservists and retired personnel.

Are you currently Active Duty, Reserve or Guard for the DoD or Coast Guard?

Are you an honorably discharged Veteran of the Armed Forces?

Are you a Military Officer Candidate?

Are you a Military Recruit?

Are you a retiree receiving an annuity from the DoD or Coast Guard?

Are you a Department of Defense Civilian?

Are you a U.S. government Civilian (including Coast Guard) assigned to a DoD installation?

Are you a DoD contractor assigned to a U.S. government installation or facility?

Are you a family member of one of the previously mentioned individuals?

Family members include grandparents, parents, spouses, siblings, grandchildren, children and household members.

Do you have a family member who at any time was affiliated with the military?

Family members include grandparents, parents, spouses, siblings, grandchildren, children and household members.

Do you have a family member who is already a Navy Federal member?

Family members include grandparents, parents, spouses, siblings, grandchildren, children and household members.

Is your military-affiliated family member already a Navy Federal member?

Congratulations!

You're eligible for membership with Navy Federal.

Join Now

We would like to confirm your eligibility. Please call 1-888-842-6328 or visit a branch for further assistance.

Why Join Navy Federal

Exceptional Service

Our stateside member reps are here for you 24/7. Reach us online, over the phone or at a branch. We always act in your best interest and are ready to serve you, no matter where you are.

Powerful Products With Great Rates

Get access to world-class member benefits, including great rates, exceptional service and the products and services you deserve.

Special Offers & Discounts

Enjoy member-exclusive offers and discounts that save you money on auto insurance, car rentals, credit monitoring and more.

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.