Welcome to Navy Federal (2024)

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Get the Most from Your Membership

Get the Most from Your Membership

Take advantage of the best products and services to help you reach your financial goals.

Offers and Discountsdesigned to help you get the most of your money. Not a member? Join today.

Your Success is Our Mission

Now that you're a member, we'll be here every step of the way as you work toward your financial goals. As a member-owned, not-for-profit credit union, we have a mission - to put you and all of our members first by making your success our priority. Let's get started.

Better Banking at Your Fingertips

Sign up for digital banking*. Check out online banking and download our mobile app to make managing your money quick and easy.

  • Remember your AccessNumber—it's your key to Navy Federal. You’ll need it to identify yourself in branch, on the phone and the first time you sign in to digital banking. If you don’t have your Access Number, you can recover it.
  • Never miss a payment with free, online Bill Pay.
  • Easily transfer money to another member. Transferring money to non-members? Zelle®1makes it easy to send money to family and friends in minutes.

Money Management Made Easy

We have the tools you need to keep your financial plans on track.

  • Set up Direct Deposit for quicker access to your pay. Our routing number is 256074974.
  • Activate your debit card in seconds using digital banking.
  • Go paperless and secure your statements—it’s easy, convenient and you can access up to three years of statements.

Connect with Us

We're here, no matter where you are. There are a variety of ways to get in touch with us.

  • Visit us at one of over 355 branches worldwide—many of which are on or near military installations
  • We’re here 24/7/365—there’s always a stateside member rep ready to help you. Get your questions answered in real-time with online chat or call us today.
  • We want to stay connected with our members. Join the conversation on Facebook, Twitter and Instagram.
  • Learn the different ways you can bank with us through the app, online, at a branch and more.

Tools for Your Financial Success

Your financial goals are our priority. Since you’re a part of our family, we want to provide you with a lifetime of knowledge and support so you can reach them. Here are some topics to help you start learning.

Savings & Investments

Savings Made Simple

  • Manage Your Money
  • Saving for Your Future
  • Increase Your Savings Savvy

Learn More about saving moneyExplore Our Products to learn more about Navy Federal's savings options.

Credit Cards

Take Charge of Your Credit

  • How Credit Cards Work
  • Manage Your Credit
  • Reduce Your Debt

Learn More about credit cards Explore Our Products to find your next credit card

Mortgages & Home Equity

Home Ownership Essentials

  • Are You Ready to Buy?
  • Mortgage Options
  • Refinance Your Home

Learn More about buying a home Explore Our Products to learn more about Navy Federal's mortgage and equity offerings

Auto Loans

Stop Dreaming, Start Driving

  • How Much Can I Afford?
  • Get the Best Value
  • New or Used?

Learn More about auto loans Explore Our Products to find the right auto loan for you

Student Loans

Plan & Pay for College

  • Saving for College
  • Understand Student Loans
  • Graduate from Debt

Learn More about paying for college Explore Our Products to learn more about how Navy Federal can help you pay for school

We Serve Where You Serve

Finding a nearby branch or no-fee ATM couldn’t be easier. Use our locator tool to find one close to you. You can skip the lines by booking an appointment online before you go.

Learn more about branch locations

Still have questions? Visit our Membership FAQs.

1

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.

Welcome to Navy Federal (2024)

FAQs

Can I invite a friend to join Navy Federal? ›

Refer friends and family for membership, and you'll each receive $50! Learn more here: http://bit. ly/1dLtT1c We're proud to serve military families! Shari, our online app includes instructions for the referral promotion!

How to get into Navy Federal without military? ›

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

How long does it take Navy Federal to review an application? ›

Navy Federal Credit Union may approve you for a personal loan the same day you apply or within 3 - 10 business days, depending on how quickly NFCU can verify your information. After your application is approved, you may receive your funds by electronic bank transfer as soon as the same day you accept the offer.

Will Navy Federal give you a second chance? ›

Our FreshStart Checking is a second chance account for those who may have a record of accounts in unfavorable standing with other financial institutions. Mistakes are made but should never define who we are.

Can I add my girlfriend 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.

Can I refer my sister to Navy Federal Credit Union? ›

Your immediate family and household members are also eligible. To join, apply online, stop by a branch to apply in person, or give us a call. You'll need your personal information and a method to fund your account.

Is it easy to get approved for Navy Federal? ›

The Navy Federal credit card approval requirements include a credit score of at least 700 (good credit), in most cases. You might be able to get other Navy Federal Credit Union credit cards with bad credit.

Is Navy Federal pre approval a hard pull? ›

Navy Federal will then use your information to run a soft credit pull with the credit bureaus and verify your identity. A soft inquiry does not affect your credit score and a pre-qualification can be a good way to gauge your odds of being approved.

What credit score does Navy Federal require for auto loans? ›

Navy Federal does not have a minimum credit score requirement. However, your credit history and other factors will be evaluated to determine if you qualify for an auto loan.

How likely am I to get a loan from Navy Federal? ›

It is not hard to qualify for a personal loan from Navy Federal Credit Union if you are eligible for a membership and you have enough income to afford the loan and a valid bank account. You will also have to meet other requirements like being at least 18 years old and being a U.S. citizen or a permanent resident.

Does Navy Federal accept everyone? ›

Who Can Join? To become a member, you or one of your family or household members must have ties to the armed forces, DoD or National Guard. Find Out if You're Eligible. So you're thinking of joining Navy Federal Credit Union?

What is the best credit union bank to join? ›

Here are some of the country's top credit unions:
  • Alliant Credit Union. Alliant offers an above-average interest rate for savings. ...
  • Consumers Credit Union. ...
  • Navy Federal Credit Union. ...
  • Connexus Credit Union. ...
  • First Tech Federal Credit Union.

Can you join the Navy with a friend? ›

Navy: In the Navy you can join with up to four of your friends (same gender). You can go through recruit training with these friends and even get assigned to the same station after training.

How can I add someone to my Navy Federal? ›

3 Ways to Add a User
  1. Sign in to the mobile app,* select your card, tap “Manage Card” and select “Add Authorized User.” If you're using the new mobile app, you can find step-by-step instructions here.
  2. Call us at 1-888-842-6328.
  3. Visit a branch.

Can friends enlist together? ›

Can I join the Army with my friends? Yes, you can join with up to four of your friends through the Buddy Team Enlistment Option. All friends will need to enlist on the same day and agree to the same Army job.

Can you make friends in the Navy? ›

There are plenty of opportunities wherever you're located to make new friends, explore new activities and maybe even find that special someone. Use all available resources to stay in touch with old friends and make new acquaintances as you make the most of your military experience.

References

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