Welcome to Navy Federal (2024)

FAQs

Can I refer a friend to Navy Federal? ›

As a Navy Federal member, you can share membership with your friends and family members.

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. Or, visit a branch or call us at 1-888-842-6328 to learn about opening a minor membership.

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.

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.

You can securely add an authorized user to your card in a few simple steps\u2014the process should only take a few minutes. Just sign in to the mobile app, select your card, tap "Manage Card", then select "Add Authorized User". You can also call us at 1-888-842-6328.

Which Bank Is Better: USAA or Navy Federal? While both institutions have your banking and credit needs covered, USAA and its partners offer more when it comes to insurance, retirement and investing services. Navy Federal Credit Union, however, offers business banking while USAA does not.

Can I have more than one savings account? Yes, there's no limit to the number of savings accounts you can have.

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

Can I add my boyfriend to Navy Federal? ›

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

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

Navy Federal values and celebrates diversity in the workplace. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected Veteran.

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.

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

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.

No. A joint owner shares access to your account but isn't necessarily a member of Navy Federal. To become a member, you or one of your family or household members must have ties to the armed forces, DoD or National 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.

Upon the death of a Navy Federal member, the deceased's family remains eligible for membership in their own right. Eligible family members include spouses, parents, children (natural born, step and adopted), siblings, grandparents and grandchildren.