Navy Federal Credit Union

Navy Federal Credit Union

 3.8/5 (816 reviews)
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About Navy Federal Credit Union

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Overall Satisfaction Rating

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  • Several low- or no-fee accounts
  • Checking accounts earn dividends
  • Large ATM network
  • Charges fewer fees than most traditional banks


  • Strict membership requirements
  • Limited branch access

Bottom Line

Navy Federal Credit Union is best for active or retired members of the military, their families and Department of Defense employees. It's known for having low fees and competitive interest rates.

Navy Federal Credit Union Reviews

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: March 17, 2023

Navy Federal told me that I had overdraft my account. Come to find out it was a computer glitch on their behalf. Agent put my money back into my credit card then mysteriously right after he did that they put it in my checkings and then took it out my checkings and so the money's gone. I wrote a letter to the fraud department and so it's almost been a year and I haven't heard anything. When I try to call the fraud department I don't believe it's the fraud department. It's just the regular workers that's working there and they tell me they don't know anything and I didn't send no letter. I will stay away from that company is fraud and the workers that work there look like they hired them off the street because they got a nasty attitude. Guy was laughing every time I was talking about my money like it was funny. I told him I said that if he was in my face he won't be laughing cuz it ain't no laughing matter. That company is stealing people's money.

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: March 14, 2023

Navy Federal has absolutely changed. Today I got two of the rudest most condescending agents over the phone. It’s so difficult for me to even talk about it. I’ve banked with them specifically because my father was in the service, and I believed in their mission to serve service members and members of her family. But when I called to inquire about my transaction. And I wanted to further just grieve the situation not because the agent was a good but the policy of it. The agent took it very personally, and became a victim in the conversation and would not transfer me so I can’t talk to them about an unreasonable whole time on a deposit I had made. See if they wanted to keep my deposit on hold for over seven days when it was just a refund. It was so basic and so ridiculously simple of an issue.

The woman informed me she couldn’t help me after putting me on hold for 15 minutes. Immediately getting back on the phone giving me hope she was going to help me. Then, inevitably returning to the call to tell me, she couldn’t help me. And when I called back, I got the same woman. It was totally unbelievable. And when I asked to speak to her supervisor/cohort, Pam. I told her how uncomfortable the other agent make me feel, especially when she used the term “love” to address me. They didn’t take seriously my needs and instead told me how in their culture it’s appropriate so it shouldn’t bother me.

I’m done with unprofessional victims and positions they’re unqualified for.. All I wanted to do was grieve a policy had nothing to do with the girl, and she made it all about herself. I have that my nurse with me listening to the call and it was so ridiculous and she contradicted herself. What a waste of time. Hopefully once my money clears I'll close my account. I’m done with them.

3 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: March 11, 2023

    If you aren't a qualified forensic accountant, take your banking needs elsewhere. They're hard to reach, and once you finally do get through, you'll be transferred around often. I do not live near a branch and had to deposit a refund check, and mobile app didn't work, so I asked for deposit slips to be sent to me so I could deposit by mail. 3 times I asked for them, and 3 times I didn't receive them, and guess what, the check's expiration date came- worthless check. The check was only $68 but that's not the point. I'm also a fan of security features, but NFCU's are extreme. Many times I have been embarrassed at point of sale because card was declined, despite my having plenty of money in savings and checking, and credit card at 20%. I would advise my Navy and Marine Corps brothers and sisters to avoid this bank. I thought time would improve things but they've only gotten worse.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 28, 2023

    As a long time member that has paid off close to $200,000 in loans I am very disappointed. Discover home loans approved us for 3 percentage points lower than NFCU. Saved us over $700 monthly in payment. We had no prior relationship with Discover home loans. We had previously paid off approximately $200k with NFCU, and they refused to match the APR we received with the approval from Discover Home Loans. NFCU does not take care of their loyal customers.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 9, 2023

    NFCU took nearly 7K from my Savings account without a Garnishment or any phone or mail notification. This was not legal. They had their third party collection agency do that. They never gave me a chance to pay the discharged amount. Stay clear of NFCU. They are a corrupt company.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer Verified Buyer
    Original review: Jan. 10, 2023

    I recently leased a car from D&M Leasing (which is another story with exuberant fees and commissions). I had the car for 3 months, I roughly paid $6500 down and made payments on time. I received an advertisement from my personal bank, Navy Federal Credit Union promoting an option to refinance my auto loan. Having paid nothing towards the principal so to speak, I filled out the application and was approved. I phoned D&M leasing to get the payoff. Let's say it was $50,000. I phoned NFCU with the payoff amount and to their credit, 2 days later a check arrived addressed to Texas Credit Union (the financing bank for D&M Leasing) for the amount of $50,000. I took the check to TCU and paid off my loan, they indicated that I would receive my title in the mail soon. I did not receive it for 7 weeks.

    The payoff I was given was less taxes and an early buy out fee of $500. In order to get the title I had to pay an additional $1400 to TCU (which was supposed to be for taxes and fees, however there is no record of the payment being made) and finally I received the title. The problem with this is D&M misquoted me on the payoff. NFCU should have never taken a consumer's word on the payoff amount and issued a check without a proper purchase order being completed by D&M and sent to NFCU.

    Here is the big issue. The Title arrived in the mail but it shows D&M Leasing as the current owner and my name is nowhere on this title. NFCU insists that I pay the taxes and list them as the lien holder or they are going to convert my loan to a personal loan and raise my interest rate by 10 points. What? They have come to the realization that they have no collateral on this $50,000 loan. I haven't transferred the title to my name because the TTL is $3500. I refinanced to save money and in the process it will cost me $1400 to TCU and $3500 to the DMV which is $4900 I don't have due to COVID related job loss. These fees should have absolutely have been financed.

    I have asked NFCU to modify the loan to cover the TTL and they will not. My financial situation has changed and my credit score dropped and their only solution is to apply for a personal loan to pay the TTL which I now do not qualify for. They send threatening letters all the time and call threatening repossession of a vehicle that I possess with Title in hand. They know they can't legally repossess this car even if it was originally intended as the collateral. They are not noted as the lien holder on the title and they have converted my loan to personal loan with a 10 point increase in interest. They call and threaten me by lying. How can this be?

    I would not suggest doing business with liars which they are, and they refused to rectify this issue that is a fault of theirs and D&M Leasing. I am very I aware that I provided the payoff amount. If I was out to get them I would have increased the payoff amount by 10,000 if I knew they were just going to hand over a check without any documentation other than my word. Though that is generous to their credit, it was handled improperly and unprofessional and now I don't know what to do. I have a personal loan for $50,000 with a 20% interest rate that I didn't apply for. I recently stopped paying on it, I need the help of a consumer lawyer. Thank you for your attention I hope this enlightens others so they may avoid getting into a similar situation.

    3 people found this review helpful
    Rated with 2 stars
    Verified Reviewer
    Original review: Jan. 3, 2023

    Talking to branch reps and then the security team about 5 day holds on checks from benefactors that I have several check deposits from before with no issues, they were unable to give me a definitive answer to why. The security department gave info that there is no restriction on my account and there is a person that decides if a check is put on hold, this person that is in charge and gives the final decision on determining if a check is put on a hold cannot be reached and is unavailable to the consumer to provide clarification of the exact issue. Only vague descriptions of problem can be offered and there is no recourse in acquiring a resolution to the issue according to the security department. Personnel were understanding and cordial.

    4 people found this review helpful
    Customer increased Rating by 3 stars!
    Verified Reviewer
    Resolution response: Dec. 17, 2022

    NFCU was proactive in addressing the online issues with me.

    Original review: Dec. 9, 2022

    New account, trying to manage disabled brother's account who is located in a nursing home 1500 mi away from me, multiple visits to NFCU offices, more than 6 hours on the phone, POA on file with NFCU, picture IDs on file with NFCU, NFCU Online Agreement signed by myself and the disabled brother, and still can't get NFCU to stop shuffling us around between nfcu office, member services, security dept, digital services dept. We were assured in the NFCU office a wk ago that all was solved and I had access to conduct the authorized transactions. A wk later NO JOY.

    Latest episode this AM: told to call in when the "security dept" starts at 09:00. Did so, was told 5 min wait, 1:25 later got an answer, as the sec rep was asked for the codeword, the disabled relative could not recall it, I gave a hint to him from my end on the conf call, relative was still confused, so I told him what the code word was, NFCU rep stated that he had to say it, my brother's phone (on a conf call) died (he at his nursing home and now over 1hr 40 mins otp) at that moment, so without him on we could not continue.

    As a retired Navy Captain I am just amazed at the exceptionally poor service that NFCU delivers to its members. We still don't have it solved and I don't have the time it takes to remedy the issue if I have to wait hours on the phone with NFCU. If you deal with a simple transaction at an NFCU facility, you're probably OK, but NFCU apparently is struggling with the digital age we're in.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 8, 2022

    Had an account with Navy Federal for years. At least 3 times this year I’ve had my account compromised. Just the other day they closed my account completely down because someone hacked into my account on a computer and took my money. Then they made me pay over $100 back to them because of this. Not only did they do that they took $700 of my money that I sent to my mother. I’m a hard working mom and I can’t believe this even happened to me!! My son can’t enjoy Christmas because of this. I will never trust them ever again. They are scammers and liars.

    7 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Dec. 7, 2022

    My spouse and I are both vets. After reading the great reviews, I applied for and was granted a Navy FCU membership for a 2ND home in Florida, however we were not able to access their mortgage site after repeated attempts. I reached Chris at the call center and was advised this brand-new account will be closed and was flagged for fraud because I am not me, or we are not we. What???? Furthermore, the expected wait times via phone for the Security Team to rectify this mistake was nearly 2 hrs. I understand they have a job to do, but we don't appreciate the way it was handled. This account is not even 24 hrs. old and already experienced issues that could’ve been resolved had they simply reached out.

    The First issue was zero attempts were made to notify us and verify security information when contact information is on the account, including the security questions. The 2nd issue was the 2-hr. hold time after being transferred since we couldn’t dial the security team directly according to Chris. They just flagged it and expected us to wait 2 hrs. on the phone for the honor of us unlocking our info and transferring funds.... No Thank You. Navy FCU did us a favor if this is what we can expect. Went to another local Credit Union in Florida without issues. It appears Navy FCU could care less… but we did. Date of experience: December 07, 2022.

    9 people found this review helpful
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    Navy Federal Credit Union Company Information

    Company Name:
    Navy Federal Credit Union
    820 Follin Lane SE
    Postal Code:
    United States