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.

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

How long does it take for Navy Federal to approve my application? ›

If qualified, the approval process could take seconds. If additional documents are required, it can take up to 30 days to receive a decision. You can sign up for text notifications,* and we'll send you a text letting you know our decision.

Is Navy Federal hard to get into? ›

Please Note: Positions at Navy Federal are very competitive, and there are often many qualified candidates applying to each job.

Can I get my girlfriend into Navy Federal? ›

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.

How long does it take to join Navy Federal? ›

How long does it take to become a Navy Federal member? If you have all the required information close at hand, you can complete your online membership application in around 10 minutes. You may also apply for a new account at the same time.

How do I know if I was approved for Navy Federal? ›

Navy Federal Credit Union may approve you as early as the same day you apply, or within 30 days, depending on the type of loan. You can check your loan status online or going into a branch in the meantime. You should receive the funds say same day after approval, depending on the type of loan.

Does Navy Federal do instant approval? ›

No, Navy Federal does not give instant approval, but applicants could be approved the same day. If Navy Federal Credit Union needs to verify any of your information, the approval process may take a little longer, but you can expect to get the funds the same day you're approved and you accept the offer.

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.

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.

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?

How does Navy Federal verify eligibility? ›

To verify eligibility to join Navy Federal Credit Union (NFCU), individuals can visit the NFCU website or contact their customer service directly. NFCU typically serves active duty or retired members of the U.S. military, veterans, Department of Defense (DoD) civilians, and their families.

Can I invite someone to join Navy Federal? ›

As a Navy Federal member, you can share membership with your friends and family members. Eligible family members include your spouse, parents, siblings, grandparents, children, stepchildren and grandchildren.

How do I check the status of my Navy Federal application? ›

Over the phone: You can check the status of your Navy Federal Credit Union loan by calling 888-842-6328 and speaking to a representative. In person: You can speak directly to a customer service representative about the status of your loan application by going into a Navy Federal Credit Union branch.

Can you be denied a Navy Federal account? ›

They also authorize Navy Federal to obtain consumer reports to evaluate membership applications and review any Navy Federal accounts they open. They understand these reports may be used in decisions to deny account applications, close accounts, and/or restrict accounts or services.

Which is better, Navy Federal or USAA? ›

Navy Federal is better for in-person banking, with 350 branches worldwide compared to just four financial centers operated by USAA. That said, USAA's network of over 100,000 preferred ATMs with up to $10 in refund per statement cycle for non-preferred network ATMs is larger than Navy Federal's 30,000+ fee-free ATMs.

Who are the top 5 credit unions? ›

  • No. 1 — Navy Federal Credit Union.
  • No. 2 — State Employees' Credit Union.
  • No. 3 — Pentagon Federal Credit Union.
  • No. 4 — Boeing Employees' Credit Union.
  • No. 5 — SchoolsFirst Federal Credit Union.
  • No. 6 — Golden 1 Credit Union.
  • No. 7 — America First Credit Union.
  • No. 8 — Alliant Credit Union.
May 14, 2024

How long does Navy application process take? ›

How long does it take to join the Navy? Although there is no set time for the selection process being completed from start to finish, this could take anything from 6 to 9 months.

How long does Navy Federal take to review? ›

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.

How long does it take for the Navy to process an application? ›

8 answers. Once I went thru applucation, interview, background check, was offered the job, about 2 months. Typically takes three weeks, you have to be hired, finger printed, and go through phase 1 training.

How do I check my Navy Federal application status? ›

Over the phone: You can check the status of your Navy Federal Credit Union loan by calling 888-842-6328 and speaking to a representative. In person: You can speak directly to a customer service representative about the status of your loan application by going into a Navy Federal Credit Union branch.

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