Welcome to Navy Federal (2024)

FAQs

Can I invite someone to join Navy Federal? ›

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.

Immediate family and household members (including roommates) of current Navy Federal members are eligible to join.

You Can Add Your Spouse, Family Member or Anyone You Choose

Navy Federal cardholders can add up to 4 authorized users per card.

Our membership is open to Veterans and their families, too. So, whether your grandparents, parents, siblings, spouse, children or even your grandchildren served, you can join the Navy Federal family.

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.

They'll get an email with a link to apply for a Navy Federal Credit Union credit card and the subject line, “Hi - you've got a referral pending. Check it out...” If they're not already a Navy Federal member but are eligible to become one, they'll be able to join when they apply.

You may join Navy Federal Credit Union without being in the military, provided you have some connection with the nation's defense organizations. For instance, you could be a civilian who works for the Department of Defense or have a sibling who serves in the U.S. Coast Guard.

Navy Federal is better for in-person banking, with 350 branches worldwide compared to just four financial centers operated by USAA. That said, USAA's network of over 100,000 preferred ATMs with up to $10 in refund per statement cycle for non-preferred network ATMs is larger than Navy Federal's 30,000+ fee-free ATMs.

Because we're not-for-profit, any surplus funds are returned to our members as dividends, reduced loan interest and improvements to our products and services. That means we have great rates, lower fees and exclusive discounts.

Will Navy Federal give you a second chance? ›

Our FreshStart Checking is a second chance account for those who may have a record of accounts in unfavorable standing with other financial institutions. Mistakes are made but should never define who we are.

Approval. If qualified, the approval process could take seconds. If additional documents are required, it can take up to 30 days to receive a decision. You can sign up for text notifications,* and we'll send you a text letting you know our decision.

The credit score and report you will receive through Mission Credit Confidence Dashboard is a TransUnion credit report with a TransUnion Vantage 3 Score.

Membership Eligibility

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.

Navy: In the Navy you can join with up to four of your friends (same gender). You can go through recruit training with these friends and even get assigned to the same station after training.

The student applies as the primary borrower, and parents, a family member or a friend with good credit can apply as a co-signer to potentially help get a lower rate and increase the chance of loan approval.

Consider Creating Joint Accounts, Individual or Both

Navy Federal has great options for free checking accounts, savings accounts tailored for your goals and credit cards that can help you earn rewards or even cash back.