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Am I Eligible for Membership?

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

Active Duty, Retired & Veterans

Servicemembers in all branches of the armed forces 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

Join Nowif 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
  • Children (including adopted and stepchildren)
  • Grandchildren
  • Household members

Join Now if you have a family member at Navy Federal

Department of Defense Civilians

Our field of membership also covers DoD civilian personnel, who support our armed forces. 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

Join Now if you belong to the Department of Defense

Minor Membership

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

  • Children (including adopted and stepchildren)
  • Grandchildren

Start Minor Membership Application

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 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 for more information. Value claim based on Navy Federal's 2021 Member Giveback Study. NFCU copyright 2023.


Ready to Join?

Watch this simple how-to video and find out what you’ll need to get started. When you’re ready, apply for membership using our online application. You can even sign up your children; just use our minor membership application. And, if you want to apply in person, visit a branch or give us a call at 1-888-842-6328.

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