Navy Federal Membership Application Under Review: Now What?

Exterior of a Navy Federal Credit Union branch

Short Answer — Navy Federal Credit Union has clear eligibility requirements and membership is not guaranteed. If your membership application is listed “under review,” you may need to submit extra documents or wait for the credit union to verify your personal information.

What Does It Mean If Your Navy Federal Credit Union Membership Application Is Under Review?

Navy Federal Credit Union (NFCU) serves the Navy, Army, Marine Corps, Air Force, Coast Guard, veterans, Department of Defense, and their families. But membership is not guaranteed.

When your membership application goes under review, it likely means the NFCU needs some specific documentation to verify who you say you are and/or proof of your address.

Most applications that go into pending do so under the Bank Secrecy Act of 1970, a law designed to curtail money laundering, according to NFCU customer service.

NFCU will directly reach out to you to obtain the necessary documents. Any government-issued identification should be an acceptable form of ID, and NFCU will accept a voter registration card, pay stub, vehicle registration, bank statement, tax document, W-2, or power or water bill as address verification. (Please note: A cable bill won’t suffice.)

Once the credit union receives your documents, it typically takes three to five days to confirm the information and finalize your membership.

Providing an email address should speed up the process. But, if you’re in a hurry, you can always visit your nearest NFCU branch and have the documents verified immediately.

NFCU Membership Application Process

NFCU has clear eligibility requirements. It requires applicants to be either active-duty members of the Army, Navy, Air Force, or Marines; part of the Army and Air National Guard; a Department of Defense reservist; enrolled in the Military Delayed Enlistment Program; or part of the ROTC. Other eligible individuals include veterans, military retirees, or someone entitled to receive a military annuity.

NFCU members can also add family members. In fact, the credit union will allow parents, grandparents, husbands and wives, brothers and sisters, children (including adopted children and stepchildren), grandchildren, and even household members to join.

To apply, you can either call (888) 842-6328 or fill out an online application. Make sure to have your Social Security number, driver’s license, credit card or bank account number (to fund your account), and contact information (e.g., phone number, email, home address) available.

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