Navy Federal Credit Union membership goes beyond current and retired members of the armed forces to include their families and household members, Department of Defense personnel, and more.

How to Join Navy Federal Credit Union

Navy Federal Credit Union membership eligibility includes, but is not limited to, the following:

Active Duty, Retired & Veterans

Servicemembers in all branches of the armed forces are eligible for membership. This category includes:

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

Family Members

Membership is also open to the immediate family of current members. Immediate family members include:

• Parents
• Grandparents
• Spouses
• Siblings
• Children (including adopted and stepchildren)
• Grandchildren
• Household members

Department of Defense Civilians

DoD civilian personnel who support our armed forces including:

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

Minor Membership

If you’re an existing member and a parent, grandparent or guardian of a minor, membership is open to:

• Children (including adopted and stepchildren)
• Grandchildren

Notable Mentions & Guides

• 🎖️ Featured among the Best Military Credit Unions.
• 🏆 Listed in the 2026 Best Credit Unions in Virginia.
• 👉 Learn: How to Join a Credit Union →
• 🔎 Explore: Credit Union Marketplace →