Navy Federal Credit Union Reviews

I have been a long time customer and I deposited a paper check due to an error with my employer - at my local credit union ATM - since Navy Federal Locations are very limited in any area that I lived. They inform me that it is going to take 6 business days to deposit my check!! My check is from a government agency and because of their slow processing my funds won't be available to me - until the 9th of the month! Now I am going to be late on my rent, my electric, my water, my credit cards -- I am livid. The people who helped me were rude about it too - it was like they just didn't care, can't do anything about it, and tough luck I should have read the ATM and their website more closely. They are not what they used to be, and our service members deserve better than this 'could care less' attitude. Do not bank here - if you are military go to USAA for your financial needs.

Extremely dissatisfied with Navy Federal. Been with them for over 27 years, and now all of sudden, the way they treated me to add a joint owner was just appalling. Refusal to help, refusal to follow procedures, potential to expose additional PII, basic lack of respect, constantly interrupting you when speaking. They also REFUSE to respond to emails, they will only "maybe' call you back, as to not leave a physical trace of there poor customer service. Sad times. Looking for a new credit union to join now. STAY AWAY FROM NAVY FEDERAL CREDIT UNION = they are the WORST in customer service.

Absolutely the worst internal communication and customer servicve for a loan application I have ever witnessed. I am going through a divorce and put an offer on a house 300,000, which was accepted. Applied to NFCU for a loan for 100,000 with 200000 (66%) down. I was 100% honest and upfront that the divorce final would prob be a week or 2 after closing. Provided all the requested bank, financial statements, home insurance policies, HOA info, income etc etc etc. The application goes through every approval process except for their "final review") 1 week befoire closing, they now require me to provide the final decree, which is impossible, and/or a guarantee from a major oil company they would pay on a lease that has been paying for 8 years like clockwork. These people are incredibly clueless and don't give a wit about giving notice or following their own procedures. Worst customer service on the planet. Avoid, avoid, avoid.

Was a customer over three years, poor customer support, system seems to be full of auto-bot flags that causes issues no customer service rep can resolve.

As a business owner, I don’t like to write negative reviews because I feel they can greatly impact a person’s decision as to whether or not to “shop” somewhere. However, I feel an obligation to write this in the hope that I'll spare someone else from going down the same road I did when applying for a HELOC with Navy Federal. In short, if you own a true house, you might fare well, but if you own a condo, don’t waste your time on an application. After nearly 7 weeks of going back and forth throughout their application process, I was sent a denial letter for reasons I still can’t wrap my head around. It had nothing to do with my income or credit, but with my condo, which is what I was using for collateral against the HELOC.

The worst bank ever and customer service is incompetent. They have no urgency in resolving customer account issues and fraudulent activity. I only became a member because of my grandfather, but this bank is not good to do business with.

Worst customer service ever. Was dealing with a out of state car dealership and had a problem. Navy Federal offered no assistance. Member is the mission maybe if you're an admiral.

I am extremely disappointed with how Navy Federal handled a fraudulent cashier’s check incident and, more importantly, how I was treated after repeatedly trying to prevent the fraud. I was attempting to sell my 2023 Polaris Slingshot R for $27,400. The purported buyer sent a cashier’s check for $30,500, claiming the additional $3,100 was for transportation.

Today I must have been the worst experience that I have received from any banking Institute. I did a $2000 ATM bank deposit due to the lines inside of the bank and was instructed that I can use the ATM machine to make my deposit I have made deposits from my financial Institute to Navy on several other occasions in the past after I completed my deposit that night I received the email from Navy saying that my funds will be held for five business days due to possibly a fraudulent deposit. I called the Institute today and asked when my funds will be available and was told due to suspicion or possible fraud the funds will not be available till Friday the 14th now remember, I did this deposit on the seventh when I spoke to the representatives.

I am extremely disappointed with Navy Federal Credit Union. Funds were taken from my account without my authorization or approval, which is completely unacceptable. I trusted this financial institution to protect my money, and this experience has seriously damaged that trust. I expected better communication, transparency, and accountability. When it comes to someone’s hard-earned money, unauthorized withdrawals should be taken very seriously and resolved promptly. I hope Navy Federal takes responsibility for what happened and works to ensure this does not happen to other members.

I have been a customer at Navy Federal for fifteen years and never had any problems. However, with the new CEO coming on board it seems that they have switched to a predatory lending model. I had refinanced my truck through them and they refuse to accept the paperwork from the State of Pa. just so they can jack up my interest rate. Also, they do not want to pay the fee to get the title from the state. I am in the process of closing all of my accounts and leaving the credit union. I would not suggest doing business with this organization.

My clients chose NFCU for their lender needs. NFCU failed to communicate with the clients numerous times. Putting their earnest money at risk of losing. NFCU are not working on behalf of their clients best interest. Dozens of calls and emails with zero response. I have worked closely with several lenders; this company was by far the worst.

My husband and I are new members to this institution and while they represented themselves as a trust worthy establishment they are not. They are thieves and enjoy doing business with other thieves. They will not help you when you need to do a dispute or really anything in general. I had a dispute on my debit card for less than 200.00 and they said they have refused to honor it for whatever lame excuse. Fine whatever. Take my 100% disabled husband's compensation in this economy. I hope it makes you losers sleep better at night.

I am a person who has done business with large banks, the majority of my life but as of late I have become a fan of credit unions and in particular Navy Federal credit union. Open an account at Navy Federal if you qualify. It's very straightforward, simple and easy to do online the verification process is straightforward and the benefits tremendous. Credit unions are not governed early warning services LLC, which make them the best alternative to big banks. Early warning services is a company that is collectively owned by all the major banks that violate every US Monopoly law and is kept secret as those banks represent themselves as being independent and sovereign, so with that being the backdrop credit unions in general is your best approach in Navy Federal credit union is the best of the bunch.

I recently opened an account with Navy Federal credit union, and I must admit I was blown away with how simple and straightforward. The process was the thoroughness of the verification and the clearness in which they explain what makes you eligible. Credit unions in general are a better option than your traditional banks because all the larger banks are colluded because they own a company called Early Warning Services LLC, which is a secret watchdog company that violet every US Monopoly law is ever existed so if given the opportunity to become a member of a credit union I would highly advise going that route and Navy Federal credit union is foreign away superior to any other credit union that I've had the pleasure of doing any type of business with.

I had an exceptional experience at Navy Federal Credit Union WRNMMC Bethesda, and I want to recognize the outstanding service I received from Tatiannya. From the moment I arrived, Tatiannya was welcoming, professional, and incredibly attentive. She took the time to listen carefully to my needs and ensured that every question I had was answered thoroughly and clearly. Her knowledge, patience, and ability to explain everything in a way that was easy to understand made the entire experience smooth and stress-free.

First of all, dealing with the customer service people there is like you are appearing in the show Idiocracy. You might think it isn't even real, like you must be on Candid Camera or something, but no, they really are that dumb. I disputed a credit card transaction, submitted reams of documentation, then they refused to support the dispute because they didn't have enough info. I asked what more could you possibly want? They said - and this is unbelievable - that they need a receipt from the merchant showing the correct amounts! In other words, they want me to submit evidence that there actually is no dispute at all! Mind numbingly uninformed about the Visa card issuer procedures they are supposed to follow, and that a merchant is supposed to follow. Stay away from this bank, and most importantly, don't ever use a credit card issued by them, they will not support you if you have a problem.

Absolute inconvenience every weekend with these erratic app maintenances! No access to your money for 3-4 plus hours! Every Saturday it’s an issue if you don’t have cash. Oh well because you won’t have access to your money! Not only that no updates or an estimate of time! What’s the point of having a bank if I can’t access my money! Will definitely be moving my money to chase

On May 26, I deposited a $20,000 insurance settlement check at a branch and was initially told the funds would be available within two days. That did not happen. I was then told the hold would last five days, which also proved to be inaccurate. Throughout this process, I received inconsistent information and explanations that ultimately undermined my confidence in the handling of my account. At one point, a representative from the Fraud Department contacted me and stated that the insurance company could not be reached to verify the check because they were not answering their phones. However, when I personally called the exact same number, the insurance company answered immediately and was willing to assist. This contradiction was both frustrating and concerning.

In their infinite wisdom NFCU has decided to use just 4 browsers - none of them in the top 5 secure browser list - 1 of them takes screenshots of your passwords when you type them. I am moving my assets elsewhere.

I was told fraud and money theft from my account are my problem. They claimed they could not prove my innocence in the financial loss. Someone purchased plane and train tickets off my account. I saw the charges, alerted Navy Federal. I have no idea who did it. I got a new debit card, cut up my old one. NFCU supposedly "researched" it. I got a letter that says they can't prove it wasn't me so the $764 is my loss. They even told me it was especially true because I don't know who did it. I had a long talk with a Fraud Department woman who clarified that when somebody tried to use my cancelled card again a year later, it still doesn't prove it was stolen and no research is done about who did it when it happens.

I have been a loyal member with Navy Federal Credit Union since 2021, and I am extremely disappointed with how my account issues have been handled. After fraud was reported on my account, instead of helping me access my money safely, NFCU shut down my debit card for a year. After a year, I can get a debit card! Now they have also restricted my Zelle access. I've never in my life had my funds held from me that I WORK FOR!!! I currently have nearly $20,000 in my accounts that I cannot properly access. I was told to either use gift cards loaded with my funds or rely on credit cards, which is completely unreasonable when this is my own money. I also have direct deposit set up through my employer, making this situation even more stressful.

A local check I deposited was supposed to clear in (2) business days, at the end of the 3rd day still hadn’t cleared. When I tried to find out why they said a security hold. This is the second time they’ve put a security hold on a check with no explanation of why from a local company. Ridiculous, worst customer service ever, I will be removing all my funds as soon as the check has cleared!!!

Went in to the one on 195 Crossover Rd in Winchester to get a new debit card and take money out, The guy at the counter said he cannot do the transaction, because my name was not in the same order as my driver license. I have been with Navy Fed for 10 years and just took money out the following week at another location and I've never had an issue, First off I was treated with disrespect and telling me that other location was wrong and the one on Berryville is where I opened up the account 10 years ago and they asked me what name I wanted on the card and asked to see my driver's license and again never had an issue. I will go back to the other location where customer service matters

What a poor credit union. I started an account because of an estate. I gave $25 to them and forgot about it. Bottom line is now I am getting 4 dollars back after it sitting in that bank and doing nothing but wanting to close it.

I am banned for life from ever being a member of Navy Federal. They keep sending me mail asking me to join. So I call and start my application. The person on the phone says I am locked out. They asked a specialist to try and put me in good standing. Only to come off of hold and tell me I can't become a member, sorry. Back in the 90's, I had an account with NFCU. I closed my account and didn't pay overdraft fees, penalties, or something. I really don't remember. After three decades, Navy Federal does not forgive or forget.

Want to open an account for your teen? That’s great! They can do it. Once they age into an adult and you want to remove your name, in the branch they’ll tell you “your son/daughter has to be here with you.” If they overdraft their account, and let it sit for 30 days + before paying it back, then Navy Federal will find your accounts and TAKE YOUR money to cover it. No email, no call letting you know what’s going to happen, just when you least expect it. Oh! But they’ll tell you on the phone that “sure we can take your name off of it with an emessage” only AFTER they take your money.

We are now going on FOUR MONTHS to close a home loan. Our loan processor has made several "typos" on our documentation, and we have needed to re-sign many documents, which has further delayed the process. We were told that our loan have MOVED TO THREE DIFFERENT UNDERWRITERS. And each one asks for DIFFERENT documentation. Now, over 90 days into this process, they said they need to call my wife's employer to actually confirm that she was pregnant in 2025. This is getting to be borderline harassment. I would walk away, but we do need this loan. Lastly, we almost lapsed on our home insurance policy because our carrier switched payment to Navy Fed, on the assumption they would have actually closed the loan. STAY AWAY FOR NAVY FEDERAL!

Worst credit union in the world! In Winchester VA they are getting free security from tax payers by having deputies from the county on site every day because when our service members are overseas they are allowing their spouses to empty their accounts and returning home to find out they lost everything. My wife was able to add herself to my account via text message! Stay away from this rip off place. Their job is to steal everything they can from all service members and when they leave they do it to another member of their family or another service member! What a joke. STAY AWAY AND WARN ALL YOUR FRIENDS AND FAMILY TO DO THE SAME. Also, why do taxpayers not care to pay for security for a credit union they are in no way affiliated with?

We are in the process of selling our home. Our buyer choose Navy Federal in GA. The pure lack of communication to our buyer, the delays in appraisal information being submitted, the lack of urgency for our closing date on our contract, the loan officer NOT returning emails… It’s the most ridiculous, unprofessional organization I’ve ever had the unfortunate issue of witnessing. This had delayed our closing date for both the sale of our house and our purchase of another. Three families have been affected by this ridiculous excuse of a loan agency. We are still waiting for our buyer to get a clear to close and the final documents to move forward in this process. Guess we’ll all just sit around and wait for them to do their jobs!!

This is quite literally the worst bank I've ever dealt with. The customer service representatives are incompetent and don't show any care for their work. The systems are so outdated that my credit score got hit -132 by their stupidity. I cannot put into words how much I dislike this bank. They also say they help veterans but it's just another bank that takes advantage of veterans. Trust me. Shop around for home rates before speaking with this bank. They also require a hard credit pull to even submit a pre-approval application. Other lenders do not require that. Literally the worst bank ever.

Military families deserve honesty and transparency — especially during a VA home loan. Our experience with Navy Federal left us stressed, confused, and without clear answers, and no family should have to go through that. I’m sharing this to help protect other military families. If something feels off during your VA loan process or you feel misled or ignored, speak up. Report to the following agencies: CFPB, NCUA, FTC, VA Regional Loan Center, DFPI, California Attorney General, and BBB. Your voice matters, and reporting issues helps prevent this from happening to others.

I was just informed that I could join and my brother served Faithfully overseas and after talking to Desiree, she helped me out with some enrollment and details of sign in. Creative process to say the least but she was very respectful, sense of humor and professional.. I really appreciate her support and patience with this old guy. Work on overdraft waiting, budget and debt relief programs and been scammed too many times. Needed trusted organizations.

I have been a Navy Federal customer for a couple years and this is the worst banking experience I've had as an adult. Starting with the locations: they are always short-staffed or rotating members of the team between locations. Lines are long no matter the time of day and asking for specialized help is signing up for an entire day of your life wasted. Customer service is non-existent both inside the bank and over the phone. You're always met with the go-to lines: "go online, use the app" basically - do not come in here because we do not want to help you. Face-to-face customer service is non-existent.

As a customer, it is extremely disappointing to experience prolonged delays when attempting to resolve matters that require legal review or clarification. These situations are often time-sensitive and directly impact financial decisions, yet the response times appear unreasonable and lack clear communication or updates. Customers should not be left waiting for extended periods without transparency or acknowledgement. Efficient communication and timely responses are fundamental expectations when dealing with a financial institution that manages people’s money, credit, and financial security.

As with most institutions, they are great when nothing goes wrong, but when you have an issue that is where things fall apart. Customer service is just horrible, and if you ask for a supervisor, that is when things really go from bad to worse. Sounds like those managers are overworked and really could care less about member issues. To be honest their Phone Tree is more friendly, than the supervisors and it is horrible. Rude and provided zero help to why their security departments keeps flagging accounts and not alerting members and just letting us find out when we go to access our money. Never had this issue with other banks or credit unions and just in the last 6 weeks has this became a major issue.

This company steals from its customers. They intentionally withhold client funds so they can charge NSF fees. THIS IS WHAT'S WRONG WITH AMERICA CORPS. THEY ARE THE OPPOSITE OF ROBIN HOOD, THEY STEAL FROM POOR

My employer deposit my check into my account on Friday. Because of banking issues. 1st they say 2 business days. The next morning, I get an email saying it can take up to 5 business days. I have rent to pay and now I'm going to be late. I don't understand how it takes this long to verify a check. But they can cash it fast. Make it make sense.

NFCU offers excellent customer service, but the consistency and clarity of its communication need significant improvement. As an existing account holder, I applied for an auto loan over a weekend after deciding to purchase a pre‑owned vehicle from a reputable dealership. I was approved immediately and signed all required documents through DocuSign. However, I was later informed that the check could not be issued until the following Tuesday—four days later. The dealership would not hold the vehicle based solely on the approval, and the car was sold to another buyer. When I contacted NFCU to cancel the loan due to their delay, I was told the cancellation itself would take several days to ‘review and justify.’ They explained that I should have applied for a pre‑approval instead of requesting a specific loan amount, and that if I was still shopping, I would need to submit a new application.

Very ignorant people at Navy Federal. The Pensacola Branch is the worse. I called to ask for an agent that was to call me. Two agents were rude and refused to put the call through until I stated why I want to talk to him. They also threatened to hang up if I didn’t state why I wanted to talk to him. This bank is absurd. They’re already out of 1.3. How much lower can they go. Stay away from Navy Fed. They will screw you over and take advantage.