Who Qualifies for a Navy Federal Credit Card?

Navy Federal credit union logo

Some of the best credit cards, with the best interest rates and lowest annual fees, are offered by the Navy Federal Credit Union. The Navy Federal Credit Union was founded in 1933 and beginning with seven members and know has over 3.6 million members throughout the United States.

They offer loans including mortgage loans and car loans, and a wide variety of credit cards, including unsecured and secured cards. Their rates and fees are always among the best available.

For example, their Platinum credit card, which seems to be their top-of-the-line card, has no annual fee and a low 7.99% APR. I also wrote about their unsecured card for people with poor credit:

The Navy Federal ‘n Rewards Secured Card is one of the best credit cards for people with bad credit. You don’t have to be in the military to qualify, but you have to have ties to people in the military (I’ll post more on this shortly). The card is issued by the Navy Federal Credit Union, has a low 8.99% APR and no annual fee. This is an astoundingly good offer for someone with poor credit. It’s also a rewards card. The cardholder gets points that can be redeemed for merchandise.

Who Qualifies?

So who qualifies for one of these cards? Well, member is limited to some degree and is determined by the National Credit Union Administration. According to the Navy Federal Credit Union website, If you fall under any of these categories, you’re eligible to join:

All Department of Defense (DoD) uniformed personnel—Army, Marine Corps, Navy and Air Force retirees and annuitants

All Department of Defense Reservists—Army, Marine Corps, Navy and Air Force retirees and annuitants

All Army and Air National Guard Personnel—civilian employees, retirees and annuitants

All Delayed Enlistment Program (DEP) Personnel

All DoD Officer Candidate programs—Midshipmen and cadets at the United States Naval Academy, United States Military Academy, United States Air Force Academy, United States Coast Guard Academy and the United States Merchant Marine Academy; Other Officer Programs*

U.S. government employees assigned to DoD installations (including Coast Guard)

All DoD civilian employees—including retirees and annuitants

DoD contractors assigned to U.S. Government installations

Family Members—including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members

Once your family members have joined, they can extend the membership opportunity to their family members, too.

Still not sure if you are eligible? Use Navy Federal’s Membership Eligibility Wizard or call them at 1-888-842-6328, then press *31.