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    Help them create a strong financial future

    When you join Navy Federal, you, your children and even your grandchildren become part of our family. From their first savings account to their first debit card and beyond, we’re here with tools and accounts tailored to grow alongside them.

Smart money habits start young

Open a minor membership

 

World-class banking options for kids and teens

Banking basics for early savers

With a Navy Federal minor membership account, your child will have access to these select savings accounts.

  • Basic Savings

    Your child’s first step toward saving. Included with Navy Federal membership and offers competitive rates with no monthly service fee.

    Learn more about basic savings

  • EasyStartSM Certificate

    Grow their savings with as little as $50 to start with 12–24-month term options. Set up automatic transfers or make additional deposits at any time.

    Learn more about EasyStart certificates

  • Education Savings

    A great choice to plan for their future. Educational Savings Account earnings are tax-free if used for education expenses.

    Learn more about education savings accounts

Smart money tools for teens on the move

Once they turn 14, they can also access these select banking tools.

  • Free Campus Checking

    An ideal student checking option for teens and college students that supports everyday spending with no minimum balance or monthly service fee.

    Learn more about Free Campus Checking

  • Navy Federal Debit Card

    Complimentary with Free Campus Checking and accepted at millions of locations worldwide. Protected by Navy Federal’s Zero Liability Protection for confirmed, unauthorized transactions.

    Learn more about debit cards

  • Digital Banking*

    A great way to teach them what financial responsibility is all about. Call or visit a branch to get them digital banking access when they turn 14. 

    Learn more about digital banking

    See why parents trust Navy Federal

    This account teaches my children how to manage their money so they can be successful in the future.Footnote [1]

    - Navy Federal Member Mekeba

Even more ways to set them up for success

  • Digital banking made simple for the whole family

    With our award-winning digital banking* tools, you can help your child learn the necessary skills to manage their money. They can view their account balance, make deposits and transfers, and set up text alerts. Plus, with My MakingCents, our digital banking tool, you and your child can create a budget, track spending habits and understand credit.

    Discover digital banking tools

  • Make their college dreams possible

    Whether it’s for their undergraduate or graduate degree, Navy Federal student loans help bridge the gap between education costs and what federal loans and scholarships cover. Pay no application or origination fees, and you could help reduce overall loan costs when you make payments while they’re in school.

    Explore student loan options

FAQs

  • Who's eligible for minor membership?

    Children (including adopted or stepchildren) and grandchildren of existing members are eligible for a youth membership.

  • How do I get started?

    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. You can also visit a branch or call us at 1-888-842-6328 to learn about opening a minor membership.

  • Can my child access the Navy Federal app on their mobile devices?

    Minors ages 14 and up can download the app to their mobile devices once their parent or guardian completes the minor membership application form for enrollment. After setup, they'll have access to view account balances, make transfers and more. To enable mobile access, a parent or guardian must be listed as either the joint owner or a "trusted user" on the account.

Disclosures

1

The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.

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