Navy Federal Credit Union Reviews

I was a member with Navy Federal Credit Union for approximately 4 years until my checking account was hacked due to fraudulent activity for $482.00 while I was working, with my debit card in my possession. I filed a police report, I did my own investigation by going to one of the merchants and obtaining camera footage to prove this wasn’t me. The transactions of the purchases were 2 minutes apart but the merchants locations were 25 minutes apart. How can I be two places at one time, with one debit card?

Navy Federal allows ** women to dictate how the bank is ran. If you're a ** man that's doing well they try to slow you up. But if you're from the projects they give you 30,000 credit cards.15,000 loans with a 500 credit score. It's the worst bank I've ever seen ran by straight hood rats.

After receiving their denial letter and reading why... I called Customer Servicing to no end because you can not speak to someone in the loan department. Just as in the branch you can't speak to someone who make any decision for loans.

Horrible customer service. Was not heard and person did not even review account. Passed me to someone else with less knowledge just to be passed back through the automated service. Horrible experience and non-caring to their customers. Do NOT recommend.

11/2024 my credit card was stolen and used at various stores. During that time I recently had a C-Section and experienced re-hospitalization due to postpartum pre-eclampsia. Upon finding out that my card had been stolen I immediately froze my card and then reported it stolen. I initially reported it via chat on navy federal app. I submitted my hospital records showing that wasn't able to be out and about due to recent hospitalizations. FRAUD CLAIM DENIED. I asked for a reopening of case and submitted a police report. DENIED. I asked for another reopening of the case and I was told 11/2025 that if I had new evidence it could be reopened. I submitted my main checking account transactions during those days to include my direct deposit and bills such as electric, water, gas being withdrawn (to prove it was my main account).

12 18 2025 I went to NFCU and was help by Mrs. ** who was awesome. She heard my issue and got me to the right person very quickly. Mrs. ** who assisted with my issue was very patient with me and I wanted to let them know how much I appreciated their help. Stay blessed, and thank you.

Outstanding Customer Support Recognition – Arjuna. Dear Navy Federal Credit Union Team, I’m writing to sincerely recognize the outstanding customer support I received from Arjuna. From the very beginning, he showed genuine care, patience, and understanding toward my situation. Arjuna went above and beyond to try to help me. He didn’t rush the process or dismiss my concerns—instead, he took the time to truly listen, explain my options clearly, and make sure I felt supported. He provided me with the correct support numbers and contacts and encouraged me every step of the way, which meant more than he probably realizes.

I am extremely dissatisfied with my experience at Navy Federal Credit Union. I originally opened an account to pursue an auto loan, but ultimately chose USAA due to a significantly better rate. I decided to keep my Navy Federal checking account open and maintained the required balance to avoid monthly fees. After nearly a year, my balance unfortunately dipped below the minimum. I did not receive any warning, courtesy notice, or attempted communication before fees were applied. Once I caught the issue the following month, I immediately deposited $300 via mobile deposit to correct the balance.

I am getting really frustrated with the holds they place on my checks. I deposited a payroll check from the same employer I have been paid by for over two years. There has never been an issue with the funds being available. It is from an attorney's office in downtown houston. They can never give me an explanation other than it is to verify funds. Why the hell would it take a full week to verify funds for a check from a bank in the same city? And why would they even need to verify when I receive payment from the same employer twice a month. Honestly I think this is just a way to keep you from spending the funds right away so they can draw interest off of it to loan to other people. I had to take out a loan with high interest just to pay my bills because they wouldn't release my funds. Ridiculous! It's bad enough that they can tell us how much of our money we can spend per day. But to hold your paycheck hostage for a week??!! Hope no one has to go without food or other necessities just so the bank can make more money because they literally don't care if you starve or can't pay your bills. All they see is dollar signs.

I deposited a cash payment at an ATM in the Fountain Valley, CA branch locations to my account. The bank has informed me that they are holding my funds for 5 days. This is why people do not use banks. To withhold cash deposits from a member for 5 days is literal robbery from its member.

I signed up with this bank by accident a year ago and it's been the worst banking experience I've ever had. I requested a HELOC rate (not even a loan req) and my info was sold and I started getting 25 calls per day. The person told me to take a personal loan at 17% and refi it. I did and they ask me to do illegal things, which I refused to do, and they have refused to let me speak to anyone regarding their request. They requested me to commit a federal fraud in order to be approved and I refused, now I'm black listed. I've had my info for years and until this bank, I NEVER had privacy issues. I have to ask multiple times per year for the one year I've been with them to stop harassing me.

Like most Credit Unions you can have a very high credit score, no debt and still be charged high interest rates, I filed complaint, nothing happened. Last time I do business with them, they also told me to call 800 number to change due date and they said I was told wrong.

As of April of 2025, every member who has a CC with them, or a loan had their interest rate spike to the max percentage. Anyone remember what the greedy and corrupt banks did to Germany after WW1 pre Nazi Germany WW2 that caused the birth of Nazi Germany and WW2? Predatory and impossible payment expectations that Germany would never be able to make and pay off. They're doing it to us all now. And when WW2 ended, the greedy banks were forced to add extensions to the debt so that Germany would actually be able to repay, because if not, we would have WW3.

500.00 went missing out of my account. In Maryland. The customer service representative refused to file a claim on my behalf. My son received a 40k check to purchase a car. The 3 dealerships ran his credit to get a loan from another bank. The last dealership said that NFCU has a bad reputation for approving loans and later declining the customers. She said that she had to call the police 3 times on 3 people w/ NFCU checks. 😳 I don’t believe this. Tomorrow, we will consult a legal expert regarding those accusations and forcing a Capital One loan w/o consent with higher interest rates and 800.00 payments.

I am the daughter of a Vietnam Veteran who received a Purple Heart and have been a member of Navy Federal Credit Union since I was 13 years old. I am now a 41 year old woman who experienced a horrible disservice with Navy Federal after my personal check card was stolen out of their atm and because I thought that putting my PIN number in each time I have made a purchase with my check card since the invention of check cards would prove that the $720.09 stolen out of my account within 48 minutes, across the street from the atm that malfunctioned and "ate" my card, which I was told to leave by one of their specialists on their customer service lines because the machine will "eventually suck the card in and be disposed of" so I would need to go to a branch the next day to get a new checking card.

I have made Navy Federal my only bank. I get direct deposits sent from my job. My credit score is over 720 and they have yet to explain to me why I can’t get a credit line with them. I am loyal and I would like the same in return.

My dad is a US Navy and Coast Guard… My dad is a US Navy and Coast Guard veteran and our family has been banking with NFCU for 40+ years. We have recently had several extremely negative experiences that will likely force us to move to a different banking option. Due to declining health and an increasing need for daily care, both of my parents live with me and my partner, in a house that we purchased with an NFCU mortgage. All four of us chip in to pay every month. Last month, my parent’s NFCU accounts were flagged and frozen for fraud while trying to make a routine transfer to my partner and I, who also have NFCU accounts, so we could pay the mortgage like we always do.

I have ran into this issue multiple times with the online app that Navy Federal Credit Union has provided for us. The message I’m getting is conducting maintenance some people work at night so it’s not fair for us to not be able to access our money. You never know what people go through and things can happen very fast. I’m afraid to even go out a night on the weekends to enjoy myself because of this maintenance. I’ve paid for parking in a parking garage and was in a situation of being stuck. If it wasn’t for my friend I would have paid for more than I wanted to. This is an issue and I really hope things will change and be better in the future.

My husband is a former Navy veteran and is EXTREMELY dissatisfied with his experience with his recent experience of disputing charges from a hotel we stayed at in early October of 2025. He was asked to provide documentation of a shower overflow, which we have tried to do several different ways but, Navy Federal application keeps having error messages with our pictures being accepted even though it's the right format and they should be accepted. We've been asked to provide documentation other than our room receipts from hotel that aren't obtainable to us from this hotel.

NFCU is an oppressive, extortive financial institution with horrible customer service, excruciatingly slow claim resolution, excessive late fees, argumentative, bullying, retaliatory, anonymously-operating employees with zero accountability and/or transparency. One example is that they allege they sent me an email asking for more information about a claim despite not having done so. When I requested proof in the form of a screenshot or to forward the alleged email they refused. Then they shortly thereafter sent a retaliatory letter alleging my claim has been closed — when it wasn’t and shouldn’t have been.

I was mistreated so many times I can’t even count and now someone put me on a global security risk for a disagreement with the vice branch manager at the Cherry Hill, New Jersey branch. A young **, vice branch manager, woman, head strong, rude, and unprofessional interrupted. Bank manager would not leave her off while I’m there, making remarks unnecessary. They service me, no security was called, the branch manager was apologetic about her people lack of knowledge and behavior but later on, I received a letter without any indication of where any incident happened. I only can remember that day with the rude vice branch manager. Therefore, I was already in the process of closing my account anyway, and opened up another bank account elsewhere a year ago. Now, I am going to close this account immediately.

I'm so glad I closed my account. Strange things were happening to my account, and no matter how I was patient in getting issues resolved, it was never in my favor, although it was blatantly unethical. Please do not open an account with these guys. Do your research. Google them! ConsumerAffairs please reach out, so I can explain and you can further investigate. At my age, I should not have to go through any negative drama with my hard-earned money! Unacceptable!!

Recently I withdrew $2,500.00 from my savings account to be issued as a cashier's check. Here it is six weeks later and the check was never received. After contacting them numerous times they told me I have to wait a full 90 days before they will be able to issue me another one. I asked them to stop payment but they refused. I have been a customer with NFCU for 40 years and once this is settled I will be closing my account with them.

Very bad credit union! Won’t cash personal checks! My mother sent me a check, and it’s been over 8 business days, and they will not release the funds. I’ve called several times and get the same story, “ it takes five business days.“ Well, it’s been 8! To get through to a customer service representative is practically impossible, and when you do, after an hour, they don’t do anything but look up the account and say it will take 5 business days, but it’s been 8 days.

Navy Federal Credit Union - 5 stars. Sierra Vista Branch - 1 Star. My wife and I drove an hour and a half to pick up a check in order to purchase a new car (trading in our previous car financed with NFCU). Abby was very helpful, however there was some miscommunication between my wife and I, the dealership, and NFCU. So we were there quite some time attempting to sort it out between all three parties. Apparently, the Assistant Branch Manager felt it was taking too long and literally kicked my wife and I out. As a 100% Disabled Veteran, I’ve been banking with Navy Federal for decades, probably longer than that Assistant Branch Manager has worked for them. I don’t like leaving bad reviews, however I have never been treated as badly as the Assistant Branch Manager treated us.

I experienced numerous incidents where I lost over $10,000. Did Navy Federal help me? No, they did not. I had a retirement check in 2023 for the amount of $2,700. I deposited the check inside a Navy Federal ATM at Walgreens. Somehow, the check was removed from the ATM and cashed at a Chase bank. All these years, I’ve been fighting with Navy Federal, inquiring about my funds, not knowing the check was cashed. Navy Federal claimed they had no record of a check being deposited that day, even though I called a representative minutes before depositing it to inform them that I would be depositing to cover my overdraft and save my checking account. At that time, there were so many credits and debits in my savings account that I was unaware of, with the debits significantly outweighing the credits.

Not at all helpful in transferring funds. I was denied transferring funds to one of my children without proving detailed and intrusive details about the planned use of the funds. After 40 years of active membership in NFCU and 50 years of federal service, I was not trusted to dispense my funds as I chose.

As a customer of 12 years, I am swiftly changing hands to another bank. I attempted to full funds from my HELOC; the bank flagged it as a fraudulent transaction and withheld my own money from me. I have called customer service on multiple occasions and they will make you feel like nothing more than a number. Do yourself a favor and find yourself a local branch or credit union that has in-person customer service to serve your family instead. This organization is a sinking ship.

Navy Federal is the worst and most indolent company out there. I provided them with indisputable evidence of fraud, and they denied me. I demonstrated that I was in a country that doesn't permit access to the website where the fraud occurred. Furthermore, when I returned, the company that operates the site confirmed that during the dates in question, the purchases were made with a US IP address. Then they informed me in a message about using my card, which I never did. Do not trust them. They deceive and are dishonest. They show no concern for their customers at all.

I had a merchant (TradingTools.Software) auto-renew an annual subscription for $500 on an NFCU credit card that had been expired for 3 months. The merchant agreed the expired card shouldn't have gone through, but since it did, they were going to keep my money and I would have to go through the bank. I disputed the charge through NFCU, they initially give me my money back and the merchant terminated access to the service.

I received a settlement check from an estate in the form of a cashier's check. This money was going to allow us the funds we needed to relocate my son and all his medical equipment and supplies to a new home. My son is a severely disabled brain injury patient who is confined to a hospital bed. Evidently the issuing Bank printed the cashier's check too lightly. The day of the move came and I discovered the funds were not available. My account was frozen and I was told to file an appeal. Appeal for what? All I did was try to deposit a cashier's check. If they had any questions about it they could call the issuing bank and would have gotten an immediate answer that it was valid. Instead they put it into some kind of process cycle that's been going on for weeks. That was all the money we had on that check and they won't give it back.

Hands down awful banking. They are slow and make you feel like you are just a number and don't care to assist you in any way. I called three times to deposit one check and each manager had no clue how to support. Whatever you do, don't trust this bank.

After 30 years of banking with NFCU, I was unfortunately the victim of fraud and do you know how NFCU treated me? They froze my accounts without warning or explanation, then locked my access to them for 3 months, denying me access to funds even my V.A. disability checks! And when I appealed and called, I was given a short anonymous "screw off" letter! After 30 years and a lifetime of transactions over some other a-wipe sending ME a bad check to cash! Screw this company! THey're liars and thieves!

I have been with NFCU since my navy days and they have gone down. Their process is long and drawn out. Fraud is very slow at getting you your money back and it is not worry free or even a guarantee. I am so disgusted with navy federal. They seem to hire anyone that has an attitude.

Absolutely horrible. They don’t calculate correctly in your account. They claim you spent money that you never had. So your account will go negative. Customer service are like government robots. They are quick to take your money or approve a merchants charge regardless but are very slow to clear your checks or disputes even when proper documentation has been provided. This is the worst financial institution I have ever dealt with.

Had an issue with this bank and they can’t help and fix it. I do not recommend this bank, had an issue and they can’t even help to resolve it. Don’t get it!!!! Go someone else that can help you and take care of your money.

I always had good experiences with the older tellers at NF but the younger tellers are lazy & rude. I came into both these locations on different occasions to make a cash deposit but whenever I get the younger tellers (age 20-30 ish) they tell me I can't make coin deposits with my cash unless it's in rolls. I told them that ALL banks I banked with do not have an issue with me depositing coins with my cash. Their response is, "that's our bank policy". My coins isn't enough to fill a roll. It's just plain laziness. They don't want to deal with counting. I reached out to management & they apologize. I am right. Coins can be deposited if it's not enough to fill a roll. NF isn't as good as it use to be. They need to hire better. Screen their hires & fire the ones that ruins people experiences.

Navy Federal Credit Union is a bank dressed up as a credit union. It offers poor rates, engages in high pressure sales tactics, and makes vague and arbitrary decisions. Customer service is practically non-existent.

I applied for a HELOC loan. Before I could approve their proposal, they ran a hard review of my excellent credit which, as a result, dropped more than 8 points and sent me emails that they are moving forward with the HELOC and starting asking for more information. This was a surprise and they provided the name of a loan consultant with a sideline that they are available 24/7. I called, no one live came to the phone. I emailed the person handling the loan. No response. I sent several messages to cancel the loan. Nothing.

I've pulled all the money from my savings/checking accounts with how terrible the experience has been with NFCU after 10+ years as a customer and that was BEFORE the current headache in dealing with them! I have my mortgage with them still unfortunately and 2 credit cards that I keep because of their high limits and just have token bills charged monthly to keep them open. NFCU is being aggressively anticonsumer by blocking access to autopayment through external accounts. Getting it to work on the CCs involved using a NFCU account to set it up and then switching it to my actual external account before confirming the transaction. I cancelled my mortgage autopay to setup biweekly payments and now there is no option to enroll. Chat agent said I have to manually contact them to enroll because I am using an external account. They wish to make you suffer and hope you incur late fees for daring to use another bank.