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NFCU Membership Eligibility

Established Contributor

NFCU Membership Eligibility

Hi all

Just wondering, if there are any way to be NFCU member, without any military affiliation? Like what penfed allows to do by donating. 


Starting Score: EQ: 499
Current Score: FICO 8 EX: 745, EQ: 738, TU: 766, FICO 9 EX: 774, EQ: 765, TU: 769




Shell FCU : 5K, CreditOne: 700, BBVACompass Express Loan : $35000
Message 1 of 15
14 REPLIES
Valued Contributor

Re: NFCU Membership Eligibility

There is no current way to join without affiliation. There used to be one, but that loophole was closed a little over a year ago.
NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 2 of 15
Established Contributor

Re: NFCU Membership Eligibility

Thanks for the information. I would have only tried if they themselves offering a way to join

Starting Score: EQ: 499
Current Score: FICO 8 EX: 745, EQ: 738, TU: 766, FICO 9 EX: 774, EQ: 765, TU: 769




Shell FCU : 5K, CreditOne: 700, BBVACompass Express Loan : $35000
Message 3 of 15
Frequent Contributor

Re: NFCU Membership Eligibility

Nope, there's no buy-in option (donate 5 bucks) like penfed has. Only direct affilation or through a relative.

Cards: BCE 24k 5/'17 | CF 12k 10/'15 | IHG 12k 10/'15 | HH 6k 6/'18 | DS It 6k 3/'15 | TR 5k 11/'15
Scores: 760-770 | Inquiries: 0-1 | Utilization: 0-10% | AAoA: 3yrs | Bank: Ally | CU's: Navy & Pentagon
Message 4 of 15
Frequent Contributor

Re: NFCU Membership Eligibility

I joined NFCU in 2017 by joining the Navy League San Diego chapter. Smiley Very Happy

Message 5 of 15
Valued Contributor

Re: NFCU Membership Eligibility

That is no longer a viable option for joining NFCU
Message 6 of 15
Established Member

Re: NFCU Membership Eligibility

Not sure if this helps you, but currently, eligibility through military affiliation extends all the way to grandchildren.  And eligibility includes household members of current members or those who are eligible.  

Message 7 of 15
Established Contributor

Re: NFCU Membership Eligibility

Thank you for the information. 


Starting Score: EQ: 499
Current Score: FICO 8 EX: 745, EQ: 738, TU: 766, FICO 9 EX: 774, EQ: 765, TU: 769




Shell FCU : 5K, CreditOne: 700, BBVACompass Express Loan : $35000
Message 8 of 15
Senior Contributor

Re: NFCU Membership Eligibility

I joined nearly 10 years ago by being a Govt. contractor.  Not sure if that option bit the dust since then either.



Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 12/2017 TU 779 - EQ 779 - EX 782
Goal Score: 850

Bury me in the garden...last app 07.27.17

Message 9 of 15
New Contributor

Re: NFCU Membership Eligibility

I lucked out. My sister was briefly married to an active duty Marine. I got in because of her membership.

Message 10 of 15