It was an easy process to start. All my questions were answered, and the process flowed fairly well initially but during the process I was traveling in Italy and had my wallet stolen with all my cred... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Overall it all worked out. But, from the date I signed the closing paperwork it took 14 days to get funded. Came back twice it was msiing paperwork from my wife. I believe problem was because of th... See more
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The people were terrific. The computer experience could use some tweaking. It wasn’t always clear who we were dealing with, at each step in the process our contact changed. At the same time, it wasn... See more
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Navy FCU quickly paid the promised rewards which I appreciated. I particularly like the free Amazon Prime, I had debated for years getting Prime, but didn't think I purchased enough from Amazon to ju... See more
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Company details
About Navy Federal Credit Union
Written by the company
Navy Federal Credit Union opened its doors in 1933 with only 7 members—now, it’s over 14 million strong. As a member-owned, not-for-profit credit union, each and every member’s financial well-being is their mission. They strive to become the preferred and trusted financial institution for the military, Veterans and their families—offering products designed with their members' unique needs in mind.
Not a member of Navy Federal? Join today!
Contact info
P.O. Box 3000, 22119-3000, Merrifield, VA, United States
- 1-888-842-6328
- www.navyfederal.org
Navy Federal Credit Union
4.4
Excellent
51K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
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The flagship has been extremely helpful…
The flagship has been extremely helpful to me.The app is easy to navigate and less downtime
12 August 2026
Unprompted review
Reply from Navy Federal Credit Union
Thanks so much for taking time to share your review, Ebenezer ! We're glad to hear you've been enjoying your card, and we look forward to future opportunities to assist you. Thanks again for your feedback!
Reed,
Navy Federal Social Care Team
I have been with Navy Federal for a…
I have been with Navy Federal for a little over 2 years. I have never had a problem up until July 16, 2026. I have had my direct deposit set up and I used the oops a lot. lol, yes I overdraft my account. That’s not the point. The point I’m making is that I used a few cash advances. Meaning when I get paid the money I borrowed comes back out my account. For almost 2 years I have been doing this. Never had an issue because soon as my check is deposited the merchant takes the money. Well this particular week Navy Federal decides that they would honor multiple other payments and not that one. I check my account daily so I know what’s in there. The fact that they told me the money was never taken out my account and I had proof. I went back and forth with navy and green dot. I disputed the transaction b/c navy posted it to be completed on July 20 and now all of a sudden it mysteriously cleared on 7/17/26. They put a negative 400.95 charge on my account. I say this to say be careful with these credit unions. They are scamming and taking people money. This will be the last past check they get from me.
16 July 2026
Unprompted review
Reply from Navy Federal Credit Union
Thank you for sharing your feedback, Bianca. I wanted to make sure you know our Social Care Team is available to support our members with questions and concerns 24/7 via Navy Federal's Facebook, Instagram, and X (formerly Twitter) accounts. We're unable to provide account-specific help through social media for privacy and security reasons, but we'll always do everything we can to get our members to the right resource. If you do reach out to us on Facebook, Instagram or X, I hope you'll mention your Trustpilot review, so the person who receives your message can get up to speed on your concerns as quickly as possible.
Dawn,
Navy Federal Social Care Team
Falling far short understanding mortgages.…
I have been with Navy Federal for a few years and find deposits and withdraws ok. But when it comes to detailed mortgage information they are terrible. The closing on my home could have been much easier than it was. Their people new nothing when the underwriters of the mortgage needed some account information. The woman I spoke to had no idea why proof of funds was asked for in a way she thought was incorrect. She went on to tell me they should do it in a different manner. If she had experience working with underwriters she would have done it without causing doubt and distress for the customer.Navy Federal has a cross training model that doesn't work. Many tellers don't always work well as mortgage experts. Your mortgage person fell far short of understanding types of mortgages and fell way short of even trying to understand my needs for my mortgage loan. Thats why I did not get my mortgage through Navy Federal. When I go to a credit union, I want to talk to an expert who works in mortgages full time. I am leaving Navy Federal because it seems I am asking for to much when it comes to my banking needs.
Regards, Paul Fisher
9 July 2026
Unprompted review
Reply from Navy Federal Credit Union
Thank you for sharing your feedback, Paul. I wanted to make sure you know our Social Care Team is available to support our members with questions and concerns 24/7 via Navy Federal's Facebook, Instagram, and X (formerly Twitter) accounts. We're unable to provide account-specific help through social media for privacy and security reasons, but we'll always do everything we can to get our members to the right resource. If you do reach out to us on Facebook, Instagram or X, I hope you'll mention your Trustpilot review, so the person who receives your message can get up to speed on your concerns as quickly as possible.
Kai,
Navy Federal Social Care Team
Poor customer service via app message.
11 August 2026
Unprompted review
Reply from Navy Federal Credit Union
Richard, I'm sorry to hear you haven't had a good experience with us. I hope we'll have an opportunity to provide the world-class service we strive for in the future.
Lydia,
Navy Federal Social Care Team
Great Financial Advisory Team
Gil and his assistant Amnita are incredibly responsive and professional. They have attended to my requests consistently. If Gil wasn't available Amnita would offer for him to return my call or she would make every effort to assist us. Great Financial Advisory Team, we fortunate to have them available.
10 June 2026
Reply from Navy Federal Credit Union
Joseph, thanks so much for sharing your feedback! I'm happy to hear you've had a good experience with us. We'd be happy to pass along your kind words to our employees and their management team. We look forward to more opportunities to serve you!
Jessica,
Navy Federal Social Care Team
Reply from Navy Federal Credit Union
April, thanks so much for sharing your feedback! I'm happy to hear you've had a good experience with us so far. We look forward to more opportunities to serve you!
Jessica,
Navy Federal Social Care Team
I am the victim of a horrible scam can I get my protected benefits returned to me please??
They can return my social security direct deposit and my pension direct deposit I reached out and explained how I was scammed and I was treated like a liar and a thief my benefits are supposed to be protected my rent and my bills are all behind is my bank account insignificant cause of my color or low income shame on you navy Federal I'm making a police report of this incident cause these scams are running rampant they closed my complaint cause they said they tried to contact me with no response which is a lie because the very same day I was called from your Virginia corporate with instructions which I completed with no response once again showing me how insignificant I am to you as a member the fraud was also your fault but I'm the only one being held accountable so unfair!!!4
22 April 2026
Unprompted review
Reply from Navy Federal Credit Union
Thank you for sharing your feedback, Crystal. I wanted to make sure you know our Social Care Team is available to support our members with questions and concerns 24/7 via Navy Federal's Facebook, Instagram, and X (formerly Twitter) accounts. We're unable to provide account-specific help through social media for privacy and security reasons, but we'll always do everything we can to get our members to the right resource. If you do reach out to us on Facebook, Instagram or X, I hope you'll mention your Trustpilot review, so the person who receives your message can get up to speed on your concerns as quickly as possible.
Kai,
Navy Federal Social Care Team
Reply from Navy Federal Credit Union
Clayton, thank you for taking the time to provide candid feedback. I'm sorry to hear you didn't have a positive experience with the mortgage equity process. I'll be sure that your feedback reaches the right team, so it can be considered for future improvements. Thank you again for your review.
Nancy,
Navy Federal Social Care Team
Ive been with NFCU for years with…
Ive been with NFCU for years with multiple loans and products. This last mortgage process was terrible. So much I was considering moving my loans and account to another credit union. I felt like I was done wrong at closing & the process was terrible.
31 July 2026
Reply from Navy Federal Credit Union
Thank you for sharing your feedback, William. I wanted to make sure you know our Social Care Team is available to support our members with questions and concerns 24/7 via Navy Federal's Facebook, Instagram, and X (formerly Twitter) accounts. We're unable to provide account-specific help through social media for privacy and security reasons, but we'll always do everything we can to get our members to the right resource. If you do reach out to us on Facebook, Instagram or X, I hope you'll mention your Trustpilot review, so the person who receives your message can get up to speed on your concerns as quickly as possible.
Dawn,
Navy Federal Social Care Team
Excellent experience…
the team that worked on my account was extremely attentive. Cared about me during the process and it felt authentic. Korina, Wanda and the whole team did a great job.
27 July 2026
Reply from Navy Federal Credit Union
Joseph, thanks so much for sharing your feedback! I'm happy to hear you've had a good experience with us. We'd be happy to pass along your kind words to Korina, Wanda, and their management team. We look forward to more opportunities to serve you!
Sage,
Navy Federal's Social Care Team
professional very knowledgeable great…
professional very knowledgeable great advice with trusted recommendations Kent has been superb advisor for years
10 August 2026
Reply from Navy Federal Credit Union
Frederick, thanks so much for sharing your feedback! I'm happy to hear you've had a good experience with us. We'd be happy to pass along your kind words to Kent and their management team. We look forward to more opportunities to serve you!
Sage,
Navy Federal's Social Care Team
Questionable Checks Holds
I've been a member of NFCU for a little over five years. They’re a good federal credit union, but I am not a fan of their policies, which give them a way to be very dishonest to their customers. I made many deposits, and none came back. Their excuse is that they have reasons to believe the check would not clear, be paid and for Security reasons they must add more holding days, hahaha. At this point, they’re profiling me. Please know my balances in all my accounts and CD’s are much higher then them checks amounts. Good customer service
11 August 2026
Unprompted review
Reply from Navy Federal Credit Union
Tyrone, I'm sorry to hear you haven't had a good experience with us. If you have questions about your accounts, please give us a call, so a representative can investigate. We're available 24/7 at 1-888-842-6328, and we'd definitely like an opportunity to determine what happened in your situation.
Dawn,
Navy Federal Social Care Team
Navy Federal Is A Great Credit Union
They post my income a day early, I really needed a Credit Card and they gave me one. Everytime I have had an issue with my Debit Card, NF issued me another one. I am going to apply for a loan and I might just get it!!!!
11 August 2026
Reply from Navy Federal Credit Union
It's so great to hear you've had good experiences with us, Shirley! We love having you as part of our Navy Federal family, and we look forward to many more opportunities to assist you in the future. Thanks for your review!
Craig,
Navy Federal Social Care Team
Financing with Navy Federal...
Every time I finance with Navy Federal it's seamless with hardly any effort on my part. Let alone the lowest interest rates they have to offer. Job well done in my book!
9 July 2026
Reply from Navy Federal Credit Union
Thanks so much for sharing your feedback! We're so pleased to hear about the ease of your loan application and great rate. We're looking forward to our next opportunity to serve you!
Missy,
Navy Federal Social Care Team
Extremely disappointing mortgage…
Extremely disappointing mortgage experience. Navy Federal had my new construction loan for months, yet changed my processor and underwriter just days before closing. This resulted in confusion over my VA COE and funding fee exemption, poor communication, and ultimately a delayed closing because the closing package was not ready.
My loan officer was extremely difficult to reach and routinely deferred questions to the processor. As both a veteran and a Realtor, I expected much better from a lender that markets itself so heavily to servicemembers.
I later filed a formal complaint, but Navy Federal's response largely avoided the issues surrounding the last-minute personnel changes and delayed closing and instead emphasized that the loan eventually "closed successfully."
I will not use Navy Federal for another mortgage and cannot recommend their mortgage services to my clients.
23 June 2026
Unprompted review
Reply from Navy Federal Credit Union
Damien, thank you for taking the time to provide candid feedback. I'm sorry to hear you didn't have a positive experience with the mortgage process. I'll be sure that your feedback reaches the right team, so it can be considered for future improvements. Thank you again for your review.
Connor,
Navy Federal Social Care Team
Reply from Navy Federal Credit Union
Thank you for being part of our Navy Federal family, Danny! We appreciate you taking the time to share your feedback, and look forward to the next chance we have to assist you.
Jessica,
Navy Federal Social Care Team
Applied for an Auto Refinance based on…
Applied for an Auto Refinance based on the low rate advertising. Took a Hit on Fico score for applying and the rate was significantly higher than advertised and higher than my present rate.
22 July 2026
Reply from Navy Federal Credit Union
Thank you for providing your candid feedback, Susan. Our rates can vary depending on various factors. As always, we are here for you 24/7 at 1-888-842-6328.
Nancy,
Navy Federal Social Care Team
Great rates and terms
Great rates and terms. Customer service was excellent as well. The process is much longer than most for financing but worth it. Just be prepared to wait.
13 July 2026
Reply from Navy Federal Credit Union
Thank you for taking the time to share your experience with us, Kirby. We appreciate you letting us know where we can improve, I'll be sure that your feedback reaches the right team.
Nancy,
Navy Federal Social Care Team
NFCU Mortgage
Excellent communication and service; competitive product - professional and knowledgeable loan officer and loan processor.
27 July 2026
Reply from Navy Federal Credit Union
Thank you for being part of our Navy Federal family, James and Deena! We appreciate you taking the time to share your feedback, and look forward to the next chance we have to assist you.
Jessica,
Navy Federal Social Care Team
User friendly
User friendly, convenient atm locations, mobile banking that can actually be done via the app and website
20 June 2026
Reply from Navy Federal Credit Union
Thank you for being part of our Navy Federal family, Michael! We appreciate you taking the time to share your feedback, and look forward to the next chance we have to assist you.
Seraphina,
Navy Federal Social Care Team
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