Navy Federal Credit Union Reviews

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.

Navy Federal used to be an amazing bank, but after 31 years, they are no longer. Someone in Nigeria attempted to commit fraud against my NFCU account, so NFCU punished me by instantly freezing my accounts pending permanent closures. I had no access to my money for 6 weeks as my bills piled up. I was informed that closing accounts and banishing the member for life is NFCU’s standard procedure for fraud, even if the member was innocent of any wrongdoing. After I was permitted to retrieve my funds two months later, I was told that my accounts were then closed and I needed to find some way to repay my loan with them (but they won’t take payment over the phone). Now I am being charged monthly overdraft fees on my closed account for not having money in it. NFCU policy makers are idiots and are not there to support the members.

This bank takes advantage of the fact that you were in the military service. They are in no way competent in any way, shape or form. They couldn't even put a meal in a person's ** hands if they had to for a living. It is the worst experience I've ever had banking in my entire life.

Terrible experience. I would not recommend Navy Federal Credit Union membership to anyone. I was the victim of debit card fraud, yet my fraud claim was denied twice, despite Navy Federal initially alerting me to the suspicious activity themselves. Upon receiving the alert, I immediately took all appropriate steps: I closed the compromised card, had a new one issued, and promptly submitted a fraud claim.

I need to share with you about the following unjust issues that I have been confronted by. I wanted to invest with Roth Ira accounts and when I inquired with Navy Federal, the Rep. made me aware that she had not been trained in that area and I appraised her for her honesty and help and gave her my contact number for a call back, with a call back from a person that called me, his only concerned was “How much” rather than sharing with me about investment products.

I have been with Navy Federal since 1993. They used to be really good back in the day, but the customer service has really gone downhill. They are not helpful and it’s quite disappointing to say the least. I would not recommend banking with them. You would be better off banking with a local credit union that has better customer service and offers better rates/services.

Navy Federal is an unethical bank. My debit card was blocked while checking into a hotel late night and I wasn't given a reason. I phoned and the representative in the fraud department named Brittany who appeared to be incompetent stated she was removing the block, twenty minutes later she asked for my phone number to send a code and stated she was updating the account. She then states I will have to visit a branch to release the block because she couldn't authenticate my identity that was authenticated during the call.

I was reviewing my account and found 2 charges that had not been noticed. My wife had managed the accounts for years and she ask me to review the account. The accounts were listed as 1 time pay so did not think this was auto pay. I found these 2 companies had been taking money out of my account for years. I tried to stop payment but no function on the banking app allowed me to stop payment. After going to my local branch and requesting for the payment to be stopped, I was told that I could not stop payment to the 2 accounts. I ask how come I could not control my account and was told if you authorize auto pay, only the person you authorized can stop taking money out of your account. I do not think you as owner of a banking account should not be able to control your money and stop money from being taken from your account. The person at the branch told me that one of the charges was for an insurance company they had.

On December 9, 2025, I was granted an order for a legal name change, and I began updating my life. So, I applied for a new SSC, passport book, and card (because the card is RealID-compliant and is valid longer than the license), a new regular driver's license, updated my Global Entry info, bank accounts, credit cards, info at work... You get it. Well, I received my SSC, permanent new license, passport book, updated checks, and debit card from another financial institution by December 26, 2025. I sent Navy Federal and another financial institution the info they asked for to update my name on the account and for new CCs. Navy Federal asked me to fill out a form and sign it, which I did. I sent the form, the copy of the court order showing my old and new names, and a copy of my passport to Navy Federal, to no avail. I sent the info twice again electronically in their system and even faxed it to them.

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.