Frequently Asked Questions
Eligibility
Who is eligible for membership?
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, Space Force, Coast Guard and National Guard
- 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
- US Government employees assigned to DoD installations
- DoD contractors assigned to US 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.
How can I join Navy Federal if I’m not in the military?
Immediate family and household members (including roommates) of current and retired members of the armed forces, DoD personnel and current Navy Federal members are eligible to join. Immediate family includes:
- Parents
- Grandparents
- Spouses
- Siblings
- Children (including adopted and stepchildren)
- Grandchildren
For more information, visit our Membership Eligibility page.
What information do I need to provide to show I’m eligible for membership through a relative or household member?
In addition to the personal information you'll need to supply for yourself, you'll also need to provide the following details about your sponsoring member:
- Last name
- Access Number or last 4 digits of their Social Security number and their date of birth
- Relation to you (e.g., spouse, grandfather)
Am I still eligible for membership if the Veteran or servicemember in my family is deceased?
Yes, you're still eligible for membership. Keep in mind you may be asked to submit documentation like a DD-214 form proving your deceased family member would have been eligible for membership.
How can I invite family or friends to join Navy Federal?
You can refer your eligible friends and family members by visiting our Membership Referral page. Remember, your immediate family members and household members are eligible if you're a current Navy Federal member.
Getting Started
Joint Ownership
Still have questions? Visit a branch or give us a call at 1-888-842-6328.
Disclosures
You will need these for any joint owners you would like to add.
↵A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.
↵Zelle® is available to bank account holders in the U.S. only. To receive money in minutes, the recipient's email address or U.S. mobile number must already be enrolled with Zelle®. Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Note: This service is not intended to replace the current member-to-member transfer options Navy Federal offers. It is available for members who do not have the option to complete an internal transfer or an ACHO (Automated Clearing House Operation) with an account and routing number. Members can also send funds to non-Navy Federal members.
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