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

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.

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.

Is it hard to get Navy Federal? ›

Good news. If you're a servicemember, veteran of any branch of the armed forces or a Department of Defense employee, then you're eligible to join. 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.

Can I get my girlfriend into Navy Federal? ›

No. A joint owner shares access to your account but isn't necessarily a member of Navy Federal. To become a member, you or one of your family or household members must have ties to the armed forces, DoD or National Guard.

What is the minimum credit score for Navy Federal? ›

Navy Federal Credit Union has no minimum credit score requirement for its personal loans, unlike most personal loan providers.

Can you get denied at Navy Federal Credit Union? ›

A new analysis from CNN found Navy Federal Credit Union, the largest credit union in the US serving military service members and veterans, denied more than half of its Black conventional mortgage applicants.

Does Navy Federal verify income? ›

Navy Federal Credit Union may verify income by requesting financial information like pay stubs, bank statements, or W-2 forms. In other cases, they'll just use credit report information.

What qualifies you for Navy Federal? ›

Find Out if You're Eligible. So you're thinking of joining Navy Federal Credit Union? Good news. If you're a servicemember, veteran of any branch of the armed forces or a Department of Defense employee, then you're eligible to join.

Is it hard to get a loan through Navy Federal? ›

Is it hard to get a personal loan from Navy Federal? NFCU's membership eligibility requirements make it so that only a small portion of U.S. consumers can apply for a loan.

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 get Navy Federal if I'm not in the military? ›

Membership Eligibility

Our field of membership goes beyond current and retired members of the armed forces to include their families and household members, Department of Defense personnel and more.

Which is better, Navy Federal or USAA? ›

Navy Federal pays a higher interest rate on savings than USAA, and it has more checking account options. As for CDs, the best choice between the two institutions will depend on which term length you want.

How hard is it to get a loan from Navy Federal? ›

NFCU's membership eligibility requirements make it so that only a small portion of U.S. consumers can apply for a loan. If you're eligible to be a member, though, you might be able to get approved even if you have a limited credit history, though you could need a co-applicant.

What is the approval rate for Navy Federal? ›

CNN only analyzed loan applications that were ultimately approved or denied by lenders, not those that were withdrawn by borrowers before a decision was made. In 2022, according to the data, Navy Federal approved 77.1% of White applicants, 55.8% of Latino applicants, and 48.5% of Black applicants.

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 is the average credit score for Navy Federal? ›

Credit scores help lenders decide whether to grant you credit. The average credit score in the United States is 705, based on VantageScore® data from March 2024.

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