Joining Navy Federal Credit Union opens the door to a world of financial benefits.
This trusted institution offers its members a range of services, from savings accounts to credit cards. To sign up for Navy Federal, you’ll need to meet eligibility requirements, which include being affiliated with the military, Department of Defense, or certain family members.
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The process is simple and can be done online, over the phone, or in person at a branch.
You’ll need some basic information like your Social Security number and a government-issued ID.
Once you’re ready, you can start your application online and open your account with just $5.
Key Takeaways
- Eligibility is based on military or DoD affiliation
- Sign-up can be completed online, by phone, or in-person
- A $5 deposit is required to open a membership savings account
Eligibility and Membership Requirements
Navy Federal Credit Union serves military personnel and their families.
Membership is based on service, family ties, or certain types of employment.
Let’s look at who can join.
Service Affiliation
Navy Federal welcomes servicemembers and veterans from all branches of the armed forces.
This includes:
• Navy
• Army
• Marine Corps
• Air Force
• Coast Guard
• Space Force
Active duty, reserve, and retired personnel qualify.
Those in the Delayed Entry Program or ROTC are also eligible.
Veterans who have left the service can join too.
Their service history opens the door to membership.
Family and Household Member Inclusion
Family members of eligible servicemembers can also join Navy Federal.
This includes:
• Spouses
• Parents and grandparents
• Children and grandchildren
• Siblings
Even household members who aren’t related can sign up.
This broad inclusion helps whole families benefit from credit union services.
Parents can open accounts for their kids through minor membership.
This lets young people start building their financial future early.
Affiliated Employment
Some civilian jobs also qualify for Navy Federal membership.
These include:
• Department of Defense employees
• U.S. government employees assigned to DoD installations
• DoD contractors
People in these roles support military operations.
Their work connects them to the armed forces community.
Employees should check with their HR department to confirm eligibility.
Not all government or contractor positions qualify for membership.
Signing Up Process
Joining Navy Federal Credit Union is easy.
The process differs slightly for adults and minors, but both can be done online or in-person.
Adult Membership Application
To sign up for Navy Federal as an adult, you’ll need some key info handy.
Grab your social security number, government ID (like a driver’s license), and your current home address.
You’ll also need to fund your new account, so have your bank account and routing number ready.
The online application is quick.
Just fill in your personal details and verify your identity.
You might need to upload photos of your ID.
Pick which accounts you want to open – checking, savings, or maybe a credit card.
Once you’re done, fund your account with at least $5.
This makes you a member-owner of the credit union.
Welcome aboard!
Minor Membership Application
Got a kid who wants to join? No problem! Navy Federal offers a special online minor membership application.
A parent or guardian needs to help with this one.
You’ll need the child’s social security number and birth certificate.
The adult’s info is needed too – their Navy Federal member number or their own eligibility proof.
Fill out the kid’s details online.
Then add the adult’s info as the joint owner.
Choose which accounts to open for the minor.
Usually, a savings account is a good start.
Fund the account with at least $5.
This gets the young sailor signed up and ready to learn about money!
Frequently Asked Questions
Navy Federal offers several ways to join and open accounts.
Here are answers to common questions about becoming a member, applying for products, and getting support.
What’s the process for opening a Navy Federal account online?
To open an account online, visit the Navy Federal website.
Click “Join Now” and answer some questions about your eligibility.
Then set up your account information by providing details like your name, address, and Social Security number.
You’ll need to open a Membership Savings Account with a $5 minimum deposit.
This establishes your membership with Navy Federal.
Do I need military ties to become a member of Navy Federal?
Military ties are the main way to qualify for membership.
But you don’t need to be active duty.
Navy Federal welcomes veterans, Department of Defense civilians, and many military family members.
Some government employees and contractors may also be eligible.
Check the Navy Federal website for a full list of membership options.
What do I need to apply for a Navy Federal Credit Card?
To apply for a credit card, you first need to be a Navy Federal member.
Have your Social Security number and income information ready.
You can apply online, by phone, or at a branch.
Navy Federal will review your credit history and other factors to determine approval.
The process usually takes just a few minutes.
What are the requirements for setting up a checking account with Navy Federal?
To open a checking account, you must be a Navy Federal member.
You’ll need to provide personal information and a form of ID.
There’s no minimum balance required for most checking accounts.
You can open a checking account online, by phone, or at a branch.
Navy Federal offers several types of checking accounts to fit different needs.
How do I reach out to Navy Federal customer support?
Navy Federal offers many ways to get help.
You can call 1-888-842-6328 to speak with a representative.
They also have online chat and email support.
For in-person help, visit a local branch.
Navy Federal has hundreds of branches worldwide, many on or near military bases.
Is there a wait time to get approved as a Navy Federal member?
The approval process for Navy Federal membership is usually quick.
Online applications can be completed in about 10 minutes.
In most cases, you’ll get an immediate decision.
If extra information is needed, it may take a bit longer.
But typically, you can become a member and start using your account on the same day you apply.