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Joining Navy Fed, who should I join under?

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Miikawaadizi
New Contributor

Joining Navy Fed, who should I join under?

Ok, so for the past four months, on and off I've been wracking my brain how to get membership to Navy Fed through my niece. My mom and dad can be members under her. But, obviously as an aunt, I can't. She lived with us before, but that's neither here nor there. She wouldn't work for membership.

    Suddenly, today, I had a lightbulb. I have had a total brain fart. Because I always think of my dads father as being someone else( side note of no consequence to this, he's a famous actor who died in the 90s. Secretly hes been my grandfather, in my mind all these years, although I never met him. My dad lived with him for a few years in the late 40s and my dads mother was always close family friends "his fathers" with his mother. Although My dads mom never said this actor was my dads father but she left mamy

clues behind after she died in 1988).

Because of this issue I didn't even think about the man who is actually listed on my dads birth certificate, who was a Navy Captain, or the man who legally adopted my father when he was 2yrs old who was also in the Navy. My dad was born in Vallejo on the Navy base and I didn't learn about him being born on base, until today. 


So, who should I join under, the father on my

dads birth certificate or the one who adopted him two years later? Will it matter? I have paperwork for the adoption and his birth certificate. And I working on getting both of their DD214 starting today. 

Also, is there a better way about getting DD214 or OMPF? Apparently if the separation happened 62+ years ago I have to pay for the order of the whole OMPF. Any ideas besides NPRC? 
If it helps, my father is still alive so I have a next of kin to order either of these. 

Thank you all!












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Current Score:Eq/Ex/Tu 740/743/734 Experian is -4 thanks to Comenity hard pull and their website “update” debacle
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Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: Joining Navy Fed, who should I join under?

@Miikawaadizi  I would focus on your niece. If your mom and dad can become members, then maybe you could ask them to join. Then once your parents are members, then you can join. Your parents wouldn't have to keep their membership afterwards if they don't want it.

 

Or maybe that wouldn't work because your parents were not military.

Message 2 of 11
Miikawaadizi
New Contributor

Re: Joining Navy Fed, who should I join under?


@Anonymous wrote:

@Miikawaadizi  I would focus on your niece. If your mom and dad can become members, then maybe you could ask them to join. Then once your parents are members, then you can join. Your parents wouldn't have to keep their membership afterwards if they don't want it.


Editing to say I should really read whole posts before commenting. I really get too excited. I kind of missed the part where 


@Anonymous wrote:

 

 

Or maybe that wouldn't work because your parents were not military.




 



Disregard everything I wrote below🤦🏻‍♀️🤣
Can I join on my parents if they are members? I didn't realize that. If that's true that's the way I'll go. My mom and I have a Joint PenFed account and I imagine I'll do the same for NFCU if that is allowed, as you mention. 

Also, what do I need from my neice for my parents to join? (She is an NFCU member and veteran working for the VA). 
Thanks so much for the info! 












Starting Score:Early 2021 Mid 400s
Current Score:Eq/Ex/Tu 740/743/734 Experian is -4 thanks to Comenity hard pull and their website “update” debacle
Goal Score: 800+


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Message 3 of 11
Anonymous
Not applicable

Re: Joining Navy Fed, who should I join under?

@Miikawaadizi  I think it could go either way. It's definitely worth a call to Navy Federal to ask if your parents are members, but were not in the military themselves, could you join? I don't know if Navy Federal allows that or not. With any other credit union that I can think of, if your parents are members, then you can be a member. I'd call Navy Federal.

Message 4 of 11
Anonymous
Not applicable

Re: Joining Navy Fed, who should I join under?

Message 5 of 11
Anonymous
Not applicable

Re: Joining Navy Fed, who should I join under?

@Miikawaadizi  If that works, here's the answer about your niece. Your niece joins. Then her mother joins. If her mother is your mom's sister, then your mom joins. Then you join.

Message 6 of 11
Jnbmom
Credit Mentor

Re: Joining Navy Fed, who should I join under?


@Anonymous wrote:

@Miikawaadizi  If that works, here's the answer about your niece. Your niece joins. Then her mother joins. If her mother is your mom's sister, then your mom joins. Then you join.


The OP stated their grandfather was military , that's their in , no need to go though all these family members joining .

EXP 780 EQ 796 TU 810
Message 7 of 11
Miikawaadizi
New Contributor

Re: Joining Navy Fed, who should I join under?


@Anonymous wrote:

@Miikawaadizi   Scroll down to "All in the Family". Please see link below.

 

https://www.navyfederal.org/resources/articles/personal-finance/are-you-eligible-to-join-navy-federal.html#:~:text=All%20in%20the%20Family,and%20stepchildren)%20and%20household%20members.


Ok, so I've read this before but apparently as you noticed above, I skip parts while I'm reading 🤣🤣. I guess I am eligible through my niece by way of my mom(or dad). Niece is already a member and I was going to open another joint account with my elderly mother anyways, so.....this works out just as well! And I don't have to research service numbers of men I've never known.

     (Second guy that adopted my dad wasn't even around for long. Dad doesn't really remember him at all nor did my grandma ever talk about that part of her life I believe because of the secret famous lover that is my dads "real" father. Everything was just so secret). 

    Technically I'd have an easier go of it if my sister is still a member. She was a member a few years ago but I think she may have messed up her relationship with them at some point. I have already messaged her to ask, waiting on a response. I honestly thought, all this time, my sponser had to be military. But this makes sense for a credit union. I have an account with the USSFCU(United States Senate FCU) and my parents sponsored me a 16.  I was technically eligible on my own because I worked at the US Senate as an Intern at 16 and then as a adult. I know you can be a sponser to someone then they can be a sponser to someone else and so on. But I know Navy Fed is different because the Sponser has to be military or immediate family member. 

5089F63F-B995-4738-9868-F3C3548ACE18.png

 

@Jnbmom honestly the grandfather usually is a much clearer path to membership, in my case it's probably the more convoluted route.  Thank you for your help. And Thank you @Anonymous fornyour help. This forum is just amazing! 












Starting Score:Early 2021 Mid 400s
Current Score:Eq/Ex/Tu 740/743/734 Experian is -4 thanks to Comenity hard pull and their website “update” debacle
Goal Score: 800+


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Message 8 of 11
D10001
Valued Member

Re: Joining Navy Fed, who should I join under?

I joined over the phone today.  My dad, who died in 1998, served in the Navy and the USMC.  I had his paperwork handy, but the representative said "maybe we might ask for for that later."  I'm in the midst of a two year gardening stint, but wanted to have my foot in the door for at least a year before I apply for anything.

 

I also joined PenFed, which has an exceptional charter that allow anyone in the US to join.

 

Message 9 of 11
Anonymous
Not applicable

Re: Joining Navy Fed, who should I join under?

@D10001  Excellent choice you've made to join Navy Federal and PenFed. Those are considered my many to be the best credit unions in the country. And Navy Federal is regarded by most to be the best credit union that exists.

Message 10 of 11
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