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 300 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.


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)


Is Navy Federal hard to get in? ›

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. Your immediate family and household members are also eligible.

Does Navy Federal help with financial hardship? ›

Yes, we're offering several options to assist eligible members who may need help. Eligible members have access to loan extensions, deferred payments, credit card line increases, student loan forbearance through LendKey, overdraft protection, fee-free transfers and penalty-free certificate withdrawals.

What is the maximum amount for Navy Federal Easy Start? ›

The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Additional deposits are allowed at any time subject to the maximum contribution limit.

What credit score is required 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. You also have to be an NFCU member to apply for one of their credit cards.

Can you get denied at Navy Federal Credit Union? ›

We may deny opening a checking account if you have had any previous checking accounts closed for unsatisfactory reasons. A personal checking account may not be used for commercial or business purposes.

How many Navy Federal credit cards can I apply for at once? ›

What to Consider Before Applying for Multiple Navy Federal Credit Cards. You can have up to three Navy Federal credit cards. To get approved for multiple Navy Federal credit cards, your income and debt must demonstrate your ability to pay for purchases on each.

What is the 15 3 rule for credit? ›

By making a credit card payment 15 days before your payment due date—and again three days before—you're able to reduce your balances and show a lower credit utilization ratio before your billing cycle ends. That information is reported to the credit bureaus.

What is the 90 day rule for Navy Federal? ›

Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay or a payroll allotment and a Navy Federal checking account within 90 days of the certificate issue date.

Can I get a $500 loan from Navy Federal? ›

Affordable monthly payments. $250 to $50,000 loan amounts.

Does Navy Federal give 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.

Does Navy Federal do debt forgiveness? ›

Navy Federal Credit Union has many debt forgiveness to help brave US military and veterans. Summary: Navy Federal Credit Union has many programs in place to help military service members who have fallen behind on their payments. Here's everything you need to know about Navy Credit debt forgiveness.

How to get oops Navy Federal? ›

To learn more about our Checking Protection options, visit navyfederal.org/checking-protection, stop by a branch or call us at 1-888-842-6328. For your convenience, we've provided a Checking Line of Credit application and the opt-in form for OOPS. Just complete for the product that interests you and mail it back to us.

What is the average credit limit for Navy Federal? ›

The Navy Federal Platinum Credit Card credit limit is between $500 and $50,000. Everyone who gets approved for the Navy Federal Platinum Credit Card is guaranteed a credit limit of at least $500, but the higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.

How much will Navy Federal let you overdraft? ›

Optional Overdraft Protection Service (OOPS) $20.00 Total overdrafts cannot exceed $500, including fees. However, your account may become overdrawn in excess of the $500 limit due to fees. See the Optional Overdraft Protection Service (OOPS) Disclosure (Form 657).

Can normal people get 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.

Does Navy Federal approve anyone? ›

No, Navy Federal Credit Union does not approve everyone for personal loans. To qualify for a Navy Federal Credit Union personal loan, you need to be at least 18 years old and have enough income to make the monthly payments, among other requirements.

Is it hard to get a loan through 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 do a hard pull? ›

Our inquiry will result in a “hard pull”—a note on your credit report that a creditor checked your credit file to assess your risk to them. Hard pulls could impact your credit score, depending on how recently you've applied for credit— so you want to be pretty sure of what you want before you let a hard pull happen.


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