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Frequently Asked Questions

Eligibility depends on a few variables. Veterans, retired servicemembers and Active Duty in all branches of the armed forces are eligible for membership. That includes:

  • Active Duty members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard and Space Force
  • Delayed Entry Program (DEP) candidates 
  • DoD (Department of Defense) officer candidate/ROTC
  • DoD Reservists
  • Veterans, retirees and annuitants

Our field of membership also covers DoD civilian personnel who support our armed forces. This includes:

  • DoD civilian employees
  • U.S. Government employees assigned to DoD installations
  • DoD contractors assigned to U.S. Government installations
  • DoD civilian retirees and annuitants

Eligibility also extends to certain family members of those who meet this criteria. See details below or for more information, visit our Membership Eligibility page.

See all membership FAQs

You can become a business member in 4 easy steps. Simply visit our Business Membership page, tap the Get Started button and follow the instructions.

See all business solutions FAQs

If you’re opening your membership with a joint owner or co-applicant, they must be present during the enrollment process in order to validate their identity. If they’re not available, you can initially open your account as an individual and then request an application to add them later.

See all savings FAQs

Sign in to online banking to submit your credit limit increase request. If you prefer, send us a secure message through online banking or call us at 1-888-842-6328.

See all credit card FAQs

After signing in to your account via online banking or the mobile app, you can apply for your auto loan in just a few minutes. There's no fee to apply and most decisions are instant. In cases where applications require more attention, we'll send you an email and/or a text.

If approved for an auto loan, we’ll mail you a check or you could pick it up at your nearest branch. Once you pay the seller, ensure the title is received by Navy Federal within 90 days of purchase. You can also apply over the phone at 1-888-842-6328 or at a branch.

See all auto loan FAQs

A billing dispute is when you tell us you believe there's an error regarding a transaction or calculation or when you tell us you have a concern as to the property or goods purchased with your debit card. For example, you might believe you’ve been overcharged or you haven’t received the product or service for which you paid.

A fraud claim is when you tell us you didn’t authorize, nor benefit from, a transaction appearing on your account. For example, you might believe you were charged for something you didn't authorize.

See all debit card FAQs

After you submit your loan application, you may be instantly preapproved subject to further confirmation of details, if you meet the initial requirements. If that's the case, you'll be able to access your preapproval letter in the Documents section of HomeSquad. Keep in mind that we often need additional information after you submit your application. In that case, a home loan advisor will contact you in 1 to 2 business days to discuss next steps. Get more information about mortgage preapprovals here.

See all mortgage FAQs

Disclosures

Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license.