Youth Membership
Jump-start their financial future
When you join Navy Federal, you, your children and even your grandchildren become part of our family. We’re here to support your child’s financial growth and help your whole family reach their goals through exceptional service and convenient, seamless banking.
- Open accounts for your children or grandchildren
- Promote smart money habits with Free Campus Checking, savings options, reloadable prepaid cards and digital tools
- Empower goal setting and financial choices with MyMakingCents
- Jump-start their future with education savings plans
World-class banking options for kids of all ages
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.
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.
Education Savings
A great choice to kick-start their future. Educational Savings Account earnings are tax free if used for education expenses.
Smart money tools for teens on the move
Once they turn 14, they can also access these select banking tools.
GO Prepaid
Reload anytime and set spending limits to help manage money and teach financial responsibility.
Free Campus Checking
An ideal option for students that offers no minimum balance and no monthly service fee.
Navy Federal Debit Card
Complimentary with Free Campus Checking and accepted at millions of locations worldwide. Protected by Navy Federal’s Zero Liability policy for confirmed unauthorized transactions.
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. You can also set up parental controls to help manage their accounts. Plus, with MyMakingCents, our digital banking tool, you and your child can create a budget, track spending habits and understand credit.
Make their college dreams possible
Whether it’s for their undergraduate or graduate degree, Navy Federal student loans help close the gap on expenses not covered by federal loans and scholarships. Pay no application or origination fees, and you could help reduce overall loan costs when you make payments while they’re in school.
FAQs
Who's eligible for minor membership?
Children (including adopted or stepchildren) and grandchildren of existing members.
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 1-888-842-6238 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.