Posted by William Charles on January 6, 2017
Deals

Published on January 6th, 2017 | by William Charles

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How To Qualify For Navy Federal Credit Union Without Normal Requirements

This no longer works. More information here

According to Deposit Accounts it might be possible to join Navy Federal Credit Union even if you normally wouldn’t qualify. There are lots of reasons why you might want to join. This method isn’t guaranteed to work (and isn’t listed on their official qualification page), but has worked in the past so keep that in mind. Here is what you need to do:

  1. Join Navy League Of the United States (cheapest membership is $25). You need to enter “San Diego” into the preferred council box.
  2. Submit a paper application for Navy Federal. Remember to include proof of your Navy League membership, people have reported that it’s best to snail mail this application in rather than e-mail  (MembershipDocs@navyfederal.org) or fax (1-703-206-4600).

Some reports also say that you can open an account in branch after joining Navy League over the phone. You might be able to get the membership expedited by calling Navy Federal, but this shouldn’t be necessary if you snail mail it in. Navy Federal customer service representatives have confirmed that this is an eligible way to join the credit union.

Please share your datapoints and experiences in the comments below.



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joE
joE

What to choose in section C. Affiliation if we don’t have any? Also is there a thread somewhere else where people are discussing their experiences/data points?

□ Navy
□ Marine Corps
□ Army
□ Air Force
□ Coast Guard
□ Non-Military DoD
□ Navy Federal Employee
□ Family/Household

stevej123
joE
joE

Thanks steve, the comments section helped answer my questions.

Rob
Rob

I can verify that this worked for me. I did this several months ago, and then was able to add family members through the normal means of joining after I became a member.

Zach S
Zach S

This is how i joined Navy Federal. I joined the Navy league then waited a few days. I took the welcome email into the branch and had no issues opening accounts, applying for a car loan, and getting one of their credit cards all the same day.

Larry
Larry

How long did it take you to get the welcome e-mail after joining the Navy League?

Zach S
Zach S

I applied for Navy League online and received the email the same day (I believe it was within an hour). That email (it also had payment information on it) was good enough for the banker at the local branch. This was also almost 2 years ago, not sure if it has changed since then.

Larry
Larry

Thanks for the info. I received the receipt for joining the Navy League but am now waiting for the welcome e-mail from the San Diego branch that will have my member ID on it.

That is what I’ve been told is required to open an account at Navy Federal and it has now been four days since joining the Navy League online.

Guess I’ll just keep waiting and call them next week if I don’t get something from them soon.

Jason
Jason

It appears that none of their CC now has sign-up bonus. Am I right?

J.L.
J.L.

does navy credit union typically offer checking / saving account opening bonus?

is opening an account for the purpose of qualifying for the credit cards offered (based on some of the deals from your click-through link). sorry, just stumbling upon this.

momosan
momosan

They occasionally offer a signup bonus for the share account, I’m going to say it happens maybe once a year and lasts maybe 6 weeks. I believe that last year there was a referral bonus of $50 for the referrer and referee, but I think that’s dead now. A couple of years ago there were the anniversary specials, which was a $100 sign up bonus (I hit the 5% anniversary special CD, so I vaguely remember that new account sign up bonus).

There is usually some sort of special running each month. What the heck, let me check…nope. Not even a credit card signup bonus to be seen. The special of the moment is the 2% 17 month CD (which BTW, is NOT the best CD to start with, the EasyStart is a 3% 12 month with a $3K limit)

Dan
Dan

Keep in mind that Navy Federal does a HARD PULL on new accounts. This includes checking accounts.

RIP
RIP

RIP

Billy
Billy

I did this successfully in the last 2 weeks, with minimal issues. I submitted originally via email but then had to resubmit by fax because I didn’t want to send my drivers license via unencrypted email. I would recommend you try the following:

– Fill out application manually and send by fax.
– Include a copy of the email/website confirmation from Navy League. Make sure it shows “San Diego” as your branch.
– Include a copy of your drivers’ license

I didn’t try to expedite. In a few days I got a call from the CU to finalize the setup of my account. You can’t fund via credit card but you can use a debit card. I told them I would mail in a check, but once my account was setup I just ACH pushed funds in. I didn’t apply for any credit products, but I did get a Transunion hard inquiry.

I plan to open the 3% CD as soon as I can change my direct deposit info. It looks like you need a minimum of $300 to get the rate.

Larry
Larry

How long did it take you to get the welcome e-mail after joining the Navy League?

Billy
Billy

I’m pretty sure it was the same day.

==

FWIW, I don’t see anything remotely unethical about this at all. This is completely within the rules established by NavyFed. If anything, since I will be adding capital to the CU that will be lent out at higher rates, I am actually helping that actually need the lending products.

Larry
Larry

Thanks, I got the payment confirmation as receipt for my membership the same day but haven’t received the welcome e-mail from the San Diego Council in the five days since then.

Guess I’ll give them a call next week.

Inquirer
Inquirer

This seems very irresponsible and abusive. What’s next return schemes to defraud retailers? I’m generally a fan of your writing, but this is stepping over the line.

Matt P
Matt P

I don’t agree with this at all. I’m a Marina Corps Veteran, and I joined many years ago when you actually had to be stationed on a Navy base to become a member (now anyone who was in the military can join). I’m actually writing a letter to the credit union asking them to not accept these applications. Credit unions are specifically for members of a certain group as written in their charters and are regulated by the US government as such. Letting them grow their membership to cover everyone destroys the purpose and turns them into just another bank that no longer caters to the unique needs of its members.

Matt P
Matt P

And to be clear, I’m not knocking you William, you provide a great service, and if the bank allows it, then go for it. I’m just not happy that Navy Fed is allowing anyone who hasn’t served to join, so I’m voicing my displeasure to them about it.

Inquirer
Inquirer

Thank you for your service

Dan
Dan

I’m a DoD contractor who has never served in the military and they allow me to join – are you going to complain to them about people like me too? Waaah.

Larry
Larry

I respectfully disagree with you my fellow vet. Someone I know receiving treatment from the VA who after serving for 12 plus years active duty in the US Navy with a service connected disability is not eligible to join NFCU, yet a civilian with no connection other than being a “household member” of a person who is eligible can become a member.

That seems unfair to all of us veteran’s who have faithfully served our country but don’t meet the rather limited requirements of this credit union in order to join. That I have to become a member of the Naval League to join this credit union doesn’t appeal to me either but seems to be the only way that this veteran is eligible to do so.

Thank you for your service.

Deb
Deb

I also respectfully disagree. This isn’t a way around the rules, this is another way to qualify.

Over 20 years ago I was able to join a different federal credit union since my father was in the navy. Since then it has been opened to anyone who lives or works in the local area. It’s not unfair to me, it’s just that they changed their qualification requirements. Credit unions change their qualifying requirements all the time. Credit Unions need growth too in order to continue to provide great rates and benefits. I’m sure if you check your original membership agreement they state that the credit union reserves the right to change requirements at any time.

Since this option for the Navy Federal Credit Union has been around for years, they are obviously aware of it and have decided it meets their own requirements, which are subject to change at any time. If they didn’t want members of the Navy League to qualify, they would change it.

Mser
Mser

Waaaah. Waaaah. Waaaah. You need your binky.

Aaron
Aaron

So by that logic, family members of military personnel should also be denied access, assuming they didn’t serve. Correct?

James
James

I agree. You want to join Navy Federal? Serve your country….or go through a family member that has served their country.

John
John

Total waste of time and hard pull. Out $25 but at least it was a good cause. I tried this early last year. They are a bunch of idiots and clowns. Fought me every step of the way. I think they hate this backdoor. I wanted to join for the 100% mortgage option. Other than that I don’t see what is so great about them. Maybe CDs?

I ended up at Alliant CU. They are awesome! $50 for opening the checking the day after my first deposit. Next day (same day coming!) ACH transfers are amazing. 1% savings and .65% check rate which is a nice supplement to LMCUs 3%. Free checks. Free HSA account (good luck finding that anywhere else). And savings sub account options like capital one 360 has. Quarterly FAKO credit score…..

Kevin
Kevin

There’s nothing Navy offers that you can’t get through another CU that you can join. I don’t know. I get that this is “allowed” by Navy but something just feels dishonest and unethical about it if you haven’t actually served the country.

Shawn
Shawn

Has nothing to do with having served your country. Don’t forget NFCU isn’t open to veterans. You don’t have to be active duty military either. I was able to join because I’m a household member of a DoD civilian employee.

I like them because of their super high credit limits on their credit cards for people without excellent credit. Plus their wire transfers are cheap. Not sure which publicly available credit union provides those things.

Pessimistic churner
Pessimistic churner

Dead in 3-2-1…

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