How to send Navy Federal Referral

Do you want to earn $300 by referring Navy Federal?

Are you looking for assistance in sending Navy Federal Referral?

Well, here’s your one-stop for all the details and assistance. In this post, we will be discussing the steps to send Navy Federal Referral. And along with a details guide, find additional information as well.

Let’s start without any ado.

Navy Federal Referral

Navy Federal introduced the referral program, where the user can send the referral to their friends and earn up to $300 as bonus credit in their NFCU credit account.

Well, for a single successful referral, you can earn $100. And you can share the referral invite with three of your friends in total, giving you a chance to earn $300.

Where most users think promotional email is the only way to send the referral, NFCU’s referral portal remains unnoticed.

Here, in this post, we will be including steps to send NFCU referrals using all available methods.

How to send Navy Federal Referral

Check out the steps to send Navy Federal Referral to your friends.

Step 1 – Wait for Navy Federal promotional email

A lot of users have been asking if they have the chance of earning some bucks off the NFCU’s referral program. For the majority of the users, the referral program details appear as the promotional email in their registered email inbox.

If you are interested in earning up to $300 using the NFCU’s referral program, you will have to wait for the Navy Federal’s promotional email. And using the links provided in the email, you will be able to send the referral to your friends.

How to send Navy Federal Referral

Step 2 – Visit NFCU referral portal

If you receive the promotional email address from the Navy Federal’s official email address, you will be considered a verified user who is eligible to send referral links to others.

But, NFCU is not sending promotional emails to all of its users. And even if you are a verified user, it might take some time for the Navy Federal system to send the promotional email to your inbox.

Well, if you haven’t received the email yet, there is one more way to refer your friend and earn up to $300.

You just need to visit the NFCU referral portal.

There are a few more steps that you are required to do before you can refer your friend through the email; we will discuss them here.

How to send Navy Federal Referral

Step 3 – Check eligiblity

Before you can proceed and start sending the referral to your friend, you must make sure that your friend is eligible to join the Navy Federal Credit Union and also if you are eligible to send the referral to anyone even if you haven’t received the promotional email.

a) Eligiblity criteria for your friend, who doesn’t have a personal (non-business) account on NFCU, who wish to receive the referral link to join Navy Federal credit card account.

  • Active Duty members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard and Space Force
  • Delayed Entry Program (DEP)
  • DoD Officer Candidate/ROTC
  • DoD Reservists
  • Veterans, retirees and annuitants

b) Eligiblity criteria for you

  • Must be Navy Federal unsecured Credit Card account owners
  • Must have credit card account with good history
  • Must be 18 years or older at the time of participation
  • Must be a legal citizen of the United States
  • Must have a personal (non-business) account on NFCU

Step 4 – Verify yourself

Now that you have checked the eligibilities for both parties, you will now have to verify your identity. As mentioned earlier in this post, you will only be asked to verify yourself if you choose to refer your friend through the NFCU’s referral portal.

NFCU send the promotional emails only to those credit card holders who are eligible as per the latest criteria.

As you can see in the image shared in Step 2, you will be asked to enter your email address first. And on a new page, you will have to submit your personal information like first and last name, as well as your email address and date of birth.

Here, ensure you submit your registered email address with your Navy Federal (NFCU) account.

How to send Navy Federal Referral

And finally, check the box right next to the ‘Official Rules’ and select ‘Get Started’ to continue.

Step 5 – Enter email address of the users

And finally, after you complete your verification, you will be asked to enter the details of the user to whom you want to send the referral link. Personal information like first name, last name, and email address will be required.

Enter the details and select the ‘Send referral’ button.

How to send Navy Federal Referral

As you may already know, you can earn up to $300 by sending referral to your friends. But, at most three referral links can be shared. After sending the first referral link, you can select the blue text – ‘Add Another Referral’ just below the ‘Send referral’ button.

Step 6 – Check your earned bonus

Navy Federal also allows the user to check the earned bonus to check if the referral invite they sent is successful. You can track your earned bonus by signing in to your account on the Navy Federal mobile app or the official NFCU website.

Requisite for a successful referral

Well, even if you have made sure that you and the receiver of the referral invite are eligible for the bonus reward program, it is possible that you may not receive the bonus. It all depends if the receiver successfully uses the referral invite.

There are a few things that are required by the receiver to submit to successfully use the referral invite. You can check out the details below and share them with the invite receiver(s).

  • Name and Access Number of referring friend or family member (if applicable)
  • Social Security Number
  • Driver’s license or government ID
  • Current home address
  • Credit card or bank account and routing number to fund the account


That’s all you need to know about Navy Federal referral program.

We have shared a step-by-step guide on sending Navy Federal referral to multiple friends.

If you need any assistance or have queries, feel free to contact us.