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    Am I eligible for membership?

    Our field of membership goes beyond current and retired members of the military to include their families and household members, Department of Defense personnel and more.

Who can join Navy Federal

  • Active Duty, Retired & Veterans

    Servicemembers in all branches of the military are eligible for membership. This category includes:

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

    Become a member if you are Active Duty, Retired or a Veteran

  • Family Members

    We know military families also serve in their own way. Immediate family members* include:

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

    *Immediate family members in this case do not include aunts, uncles and cousins.

    Become a memberif you have a family member who served

  • Department of Defense Civilians

    Our field of membership also covers DoD civilian personnel, who support our military. This category includes:

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

    Become a memberif you are a Department of Defense civilian

  • Youth Membership

    If you're an existing member and a parent, grandparent or guardian of someone under 18, share the gift of membership using our online minor membership application to open a youth account. Minor membership is open to:

    • Children (including adopted and stepchildren)
    • Grandchildren

    Start a minor membership application

    What you'll need to join

  • Social Security Number*

  • Current home address*

  • Driver's license or
    government ID*

  • 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.

    Join today

  • What information do I need to provide to show I’m eligible for membership through a relative or household member?

    In addition to the personal information you'll need to supply for yourself, you'll also need to provide the following details about your sponsoring member:

    • Last name
    • Access Number or last 4 digits of their Social Security number and their date of birth
    • Relation to you (e.g., spouse, grandfather)

    When selecting the Household Member option, we suggest that the new applicant be a contributing member to the same address as the existing member for at least 30 to 60 days. This will provide the proper time frame to have acquired one of the following documents with the new applicant’s name:

    • Mortgage or lease
    • Utility bill (electric, water or gas bill)
    • Voter registration card
    • Pay stub from within last 2 months
    • Vehicle registration
    • Insurance documents
    • Local, state or federal tax documents
    • W2 from the most recent tax year

  • Am I still eligible for membership if the Veteran or Servicemember in my family is deceased?

    Yes, you're still eligible for membership. Keep in mind you may be asked to submit documentation like a DD-214 form proving your deceased family member would have been eligible for membership.  

  • How long does Navy Federal take to approve my membership application?

    A membership application review can take just a few minutes, but if a manual review is needed, it could be 1 to 5 business days before a decision is made.

  • Can I remain as a Navy Federal member even after leaving the military?

    Yes, you can keep your Navy Federal membership after leaving the military.

  • If I'm eligible to become a member, can I open my membership with a Joint Owner? Is the Joint Owner automatically a Navy Federal member?

    Yes, you can open your Navy Federal membership with a Joint Owner. They share responsibility for everything that happens in the account, but it doesn’t make them a Navy Federal member. In order to enjoy all the benefits of membership for themselves, they’ll have to apply for their own individual membership.

  • How much money will I need to deposit into my new Navy Federal account?

    To become and remain a member, you'll need a Membership Savings Account with at least $5 in it.

  • If I'm eligible for individual membership, am I automatically eligible for business membership?

    A business membership is separate from an individual membership. All interested business owners must apply for a business membership.

  • How can I invite family or friends to join Navy Federal?

    You can refer your eligible friends and family members by visiting our Membership Referral page. Remember, your immediate family members and household members are eligible if you're a current Navy Federal member. 

Still have questions? Visit our Membership FAQs