Who can join navy federal credit union?

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Navy Federal Credit Union is one of the largest credit unions in the United States, serving millions of members. However, not everyone is eligible to join. In this article, we will explore who can join Navy Federal Credit Union and the eligibility requirements involved.

Membership Eligibility

Active Duty and Retired Military: One of the primary groups eligible to join Navy Federal Credit Union is active duty and retired military personnel. This includes individuals serving in the Army, Navy, Air Force, Marine Corps, Coast Guard, National Guard, and the Reserves.

Department of Defense (DoD) Civilians: In addition to military personnel, DoD civilians are also eligible to join Navy Federal Credit Union. This includes employees of various government agencies and departments, such as the Department of Defense, Department of Homeland Security, and Department of Veterans Affairs.

Family Members: Navy Federal Credit Union extends its membership eligibility to the family members of current or eligible members. This includes spouses, children, siblings, parents, grandparents, and grandchildren. It is important to note that family members can join even if the military or DoD civilian member is not a current Navy Federal Credit Union member.

Contractors: Contractors working on DoD installations are eligible to join Navy Federal Credit Union. This includes individuals working for government contractors who have a contract with the Department of Defense.

U.S. Government Employees: U.S. government employees, including those working for federal agencies other than the DoD, are eligible to join Navy Federal Credit Union. This includes employees of agencies such as the Federal Bureau of Investigation (FBI), Central Intelligence Agency (CIA), and the Department of State.

Other Eligible Groups: Navy Federal Credit Union also extends membership eligibility to other groups, such as veterans, retired Department of Defense employees, and individuals who have received a military pension. Additionally, membership is open to individuals who are eligible through membership in select organizations, such as the National Military Family Association.

Joining Process

To join Navy Federal Credit Union, eligible individuals need to complete a membership application. This can be done online through the Navy Federal Credit Union website or by visiting a branch location. The application requires providing personal information, such as name, address, social security number, and employment details. Additionally, applicants may need to provide documentation to verify their eligibility, such as military identification or proof of employment.

Benefits of Joining Navy Federal Credit Union

Joining Navy Federal Credit Union offers numerous benefits to its members. These include:

Lower Interest Rates: Navy Federal Credit Union often offers lower interest rates on loans and credit cards compared to traditional banks. This can result in significant savings for members.

Higher Savings Rates: Members can take advantage of higher savings rates, allowing their money to grow faster compared to other financial institutions.

Exclusive Products and Services: Navy Federal Credit Union offers a range of exclusive products and services tailored to the needs of military personnel and their families. This includes specialized mortgage options, insurance products, and financial planning services.

Access to Branches and ATMs: With over 340 branches and thousands of ATMs worldwide, Navy Federal Credit Union provides convenient access to banking services for its members.


In conclusion, Navy Federal Credit Union membership is primarily open to active duty and retired military personnel, DoD civilians, and their family members. Other eligible groups, such as contractors and U.S. government employees, can also join. The joining process involves completing a membership application and providing necessary documentation. By joining Navy Federal Credit Union, members gain access to a range of benefits, including lower interest rates, higher savings rates, and exclusive products and services tailored to their needs.


– navyfederal.org
– military.com
– mycreditunion.gov