Navy Federal Credit Union Reviews

Navy Federal falsely advertises same-day Zelle transfers up to $1500. On multiple occasions, it has taken 1-2 business days. The customer service is terrible, as they just say "sorry" with no solution. Advertising what can't be delivered should be illegal for a financial institution. Now, I don’t have access to funds needed urgently and have to suffer the consequences of their misleading advertisements.

I'm so disappointed with NFCU. I've been a member for over 20 years, and I have always paid back anything I got from them. I had a hardship, and they don't even help their members out, so they can fix any issues you may have. My history as a member should count for something. My credit score went down because trying to apply for loans to put my life back together. NFCU doesn't even help there members when they're going through a hardship.

Terrible customer service anymore… I’ve been a customer since 1986. This bank has sunk so dramatically I can’t even recognize it anymore. Cumbersome and onerous rules, transaction limits and grossly incompetent customer service and management staff has become unacceptable. Any problem you bring to their attention is responded to with apathy and a complete lack of urgency or concern. Every answer to a question is a canned, predictable “don’t give a crap” response, especially if you’re dealing with them over the phone. Find another bank. NFCU is god awful anymore.

I've been with Navy Federal Credit Union for ten years. I apply for and mortgage loan and credit card and was denied. If you are ** do NOT apply for loans with NFCU. But they use your money in your savings.

I moved to Las Vegas 2 years ago and decided to give Navy Federal CU a try to bank with. At first things were okay, but as my financial requirements grew they became more and more deficient - I am currently going to change banking institutions for a number of reasons. I received a check from my mother's estate and it stated on the deposit receipt it would clear in 2 days. On the day it was supposed to clear, I get an email indicating it will be held for a total of 5 business days. On another occasion, with over $120k in my account I tried to purchase a piece of furniture for my house for $7600. My debit card was declined twice forcing me to use my credit card and incur interest. When I challenged NFCU about the decline, they said there is a arbitrary limit of $5k per day for the use of my card. I can find this information nowhere in the card agreement and there is nothing more unsettling that having your card declined for no reason.

STAY FAR, FAR AWAY!!!! Went to sign up, followed directions, submitted ID online, stated accepted and then sent email asking materials to be sent in, when I called to inquire why, no one could explain why they didn't have my info or whether my submission went, emailed CEO who has snotty person respond, filed complaint with CFPB, they responded with it wasn't them!!! This is very sketchy. They act like your info is of no concern of theirs that you are an interruption of their day,. Stay away and use other financial institutions that are reputable. In today's day and age of scams, NFCU opens to you due to their ignorance

I wish to thank Ambrossa for the excellent customer service she provided to me and my granddaughter on Friday. My granddaughter became a member of Navy Federal. Ambrossa made the process really easy. She was very helpful, and extremely knowledgeable. Thank you so much.

I’ve been a loyal Navy Federal Credit Union (NFCU) member for decades, but my recent experience with their credit services has been nothing short of frustrating and disappointing. I want to share my experience to help others make informed decisions. About two years ago, I requested a call from an NFCU manager to address an issue with my credit account. Despite multiple follow-ups, they never responded. I had clearly stated that without management communication, I would consider the matter closed, as I was not past due on any amount. I even transferred the exact payoff amount to NFCU to settle my credit card and requested that my card be frozen. However, NFCU continued to allow unauthorized transactions to go through, causing additional financial burden.

I thought they were the best thing. However, after using them for a while, it's best to stick with a different credit union. Interest rates are not the lowest and I believe they are loan sharks if you need to borrow money. They are good for your day to day banking and transactions only. Go elsewhere for loans and credit cards. Best advice is stay away from all credit cards. :-)

I have been with NFCU for many years now and live in the Navarre area. On Several occasions I have driven to the ATM to make deposits to find either it is down or will not accept my money. The closest 2 ATMs are 30 mins away. They have a lot of military in this area plus additional members who have constantly suggested if nothing else can we get an ATM in Navarre. If your machine is down in Gulf Breeze we then have to drive to Pensacola (another 30 mins). Also your new app is garbage! The move money to transfer is ridiculous & the acct to & from are backwards. Tried to leave a message but if you don't upload a file you can't submit your message. The staff is friendly and I hate the thought of changing banks but unless you can listen to your members and try to make accommodations to better assist I'm not going to have a choice.

The absolute worst. I will be closing my account soon as I get a person on the phone. I have never had to deal with such a stupid bank as them, no way in hell. I have to constantly keep calling to get my money put back on my account. I’m so over them, just the absolute worst, never again ever.

Navy Federal seems to not comply with Visa's Zero Liability Policy. I reported an unknown charge. NF can't tell me where my card was used, only that I used it at an ATM for $93.50. I don't use ATMs, which they corroborated, but they still denied my claim. How can you deny a claim when you can't tell me where exactly this charge occurred? Then the representative had the audacity to say I could have used the ATM back to back 9 times, with $10 increments and $3.50 service fees. I've been banking with Navy Federal for over 20 years and I have NEVER had a claim. I guess I will report NF to VISA and send a complaint to NF Office of the President. My husband is a retired USN CPO of 24 years. I assure you, Navy Federal, we are not in dire need of $93.50. Thank you, Navy Federal and ** in the fraud department at NF call center, for accusing me of lying, yet you cannot tell me where this "ATM" is located. But you assume it is an ATM with $10 bills.

No matter how good a member you are, it does not matter. Had multiple loans with these clowns and a perfect credit score and was denied. They are not about the military anymore, it's all number and risk. Bunch of CEO making more than they deserve.

Good morning. If I could give it 0 star I would. They are rude and unprofessional. Time for a new bank. All my checks are legit that I put through the Bank mobile app. They approve one check and not the other. The check had the same company, signatures and everything on it. They are giving me the run around and making it very difficult to process my check.

I have a 799 credit score and no credit card debt. I’m a LTC in the Army who also owns a $600k rental property. My husband has his own business. We have no kids and no car payments so gross income is close to $180k/year. We were conditionally approved for a HELOC pending the appraisal of the property. NFCU appraised $100k lower than other market estimates, which considerable raised the interest rate to 11.5%, so we submitted a legitimate appeal, which was approved and accepted to raise the estimate. One day later, NFCU denied our HELOC loan. Never received an email or phone call from our loan officer. Worst customer service and worst appraisal experience. It’s like we were facing retaliation for refuting the appraisal. We will never use NFCU and neither should you.

I made a deposit of a cashier’s check on December 18 of the amount of 49,500 and until this day is still not available. That day I forgot to endorsed the check but I went back and signed it. I was not notify about the situation and my numbers went to red on my account..I been under a lot of stress not knowing. The day I signed the check after made many calls and informed the only problem was the signature. I was told the next day would be available. That was December 26... Until today I have no money yet...Very irresponsible company..Besides, the clerk also was irresponsible not looking at the check..I was handle a bunch of documents at that time and looking for my ID and he just grabbed the check from my documents. I never handle the check to the clerk..I suspect is discrimination because the ck come from Puerto Rico? And I’m **. The check is from the sell of my parent’s house from an investor’s company.

Do not believe their preapproval letter. They conditionally approved us, and after months of working with them to get to the finish line and close, they asked for additional documents that we did not have and was not requested prior to the preapproval. They will take your time and your money and still deny you in the very end. DO NOT USE THEM.

Purchased a vehicle out of state back in October of 2024. Have since refinanced with NFCU in November. Received threatening text message on Christmas eve stating they need a copy of title or other documentation to show proof of ownership or will raise my interest rates. First of all, you are the lienholder so I cannot access the title. Would be nice if you would have defined what other documents would suffice...copy of registration maybe? Now I have to spend half a day running around and figuring it out. Secondly, I really love the threatening tone of your first request by stating "or we will have to raise your interest rates", how about asking politely first go around? Is this how you treat your customers? Easy to refinance if this is how it's going to be.

Navy Federal has been real good to me. I don't know if someone is assuming my identity. But I feel threatened. I cannot access by debit card and I have to carry a wad of cash on me. This is going to be a setback because I'm used to handling my business in a professional manner. Navy Federal needs to step up and get some type of watchdog in effect.

By far the worse bank in the United States. Especially, when it comes to deposit. I deposit my lawsuit check from where I was hurt on my job & left disabled due to injuries. The nearest branch and standing building to me is 2 1/2 hours away. Leaving me no choice but to do mobile deposit. I deposit a long awaited lawsuit check into my account Monday night my check wasn’t approved until Tuesday but posted as pending to my account on Monday.

Navy Federal is terrible. They are still practicing the same ISF (OOPS) tactics that got them a class action lawsuit. I had a Zelle come through and a ACH debit withdrawal came through that night. Went to my account to Zelle someone and seen I had a OOPS fee. Called and the rep told me that since the Zelle came in after their deposit cut off time it didn’t cover the transaction. I told her you can’t be serious. How do you hold someone’s money that is deposited in their account automatically. That money is available to be spent but not available to be deposited? She went on to try to convince me it was because of the ACH deposit. But the money was there? She had no legitimate reason why I got the OOPS. So I asked to speak to a supervisor.

I have been a Navy Federal Credit Union member since 1996. They were once a very good banking institution. Since they have become the absolute worst. I was denied a $70,000 line of credit with a partner, both of us hold millions in assets. As a disabled veteran, I was singled out, and my income was scrutinized to the degree that left me feeling discriminated against. Although I’m not sure I was, I will not attempt business with NFCU again. Furthermore, I have closed all, but one accounts that I can borrow against. I highly encourage anyone who reads this to avoid NFCU at all cost.

I purchased a mortgage from Navy Federal in October. They required I put my home insurance into their escrow account. They didn't actually ever pay the insurance and it got cancelled, forcing me to pay out of pocket to reinstate the insurance and extra fees. When I speak to their customer service, they claim not to handle that, despite it showing as a line item on my closing disclosure. The customer service insists they have no boss and there's no one to complain to. Use at your own risk.

Navy Federal charged me twice in one month for my mortgage which was devastating. I had to wait 10 days for it to be reversed. They reversed the second payment, then they said I was late on my mortgage from then, even though they have marked on their page that payment has been received every single month. Then they threw me into collections saying I owe for 3 months but on my statement it says PAID. I’m sick of them. How DARE they do this to military families. It’s disgusting behavior. And this has happened more than once with them.

I called the number at (888) 842-6328 and spoke with several customer service representatives and supervisors, none of whom could explain why I cannot see any transaction statements for Saturday and Sunday. I made an internal transfer to my account, but it never reflected in my balance. They claim it went through, but I know exactly what my account had available to spend, and that money is missing.

I've been with Navy Federal Credit Union for almost eight years now but plan on closing. I have retirement savings, NEVER asked for a loan. But it's the most difficult place to make..A DEPOSIT. Without many locations, I've had to mail in deposits. I recently downloaded their mobile app JUST to make a deposit. They declined it because I endorsed my check "For Deposit only". They have declined before and I've played their game, this time I've had enough. What was my transgression? I didn't include the MOBILE in form of Deposit on my endorsement. Yeah, they're that picky. I've put up slow responses, I've made changes in the past trying to make deposits. I'm done with those morons.

They closed my account because they said it was opened under fraudulent terms. I brought whatever proof they wanted to prove my account was legit. I even gave them a copy of my DD214 which automatically qualifies me for membership. They kept my account closed and would not return my funds to me which were almost $1000.00. I’m a senior citizen and a veteran and this is how they treat people. Avoid them like the plague.

Navy Federal Credit Union allowed another member to link to my account using my SSN, then treated me like I was the criminal when I attempted to get any information about my account. The teller informed with informed me that someone had been trying to hack my account since May 4th 2024. They restricted my online access and I have to go to the bank and verify in person every time I have a question pertaining to my account. This person Jazmin ** had an agent link her to my account over the phone. She then transfer $500 from my account to hers.

I went into my local branch at Arroyo Crossing, in Nevada. Per their request to update my account. They assured me that adding my married name to the end of my maiden name wouldn’t change, on my credit cards that I have with them. It was a lie, I received two updated cards in the mail. I built my credit in my maiden name, all my life I fault to build my credit without any help from anyone and Navy Federal Credit Union lies to members about how they manage your account. I don’t have anyone on my credit cards, I’m the sole owner. I was 61 years old when I got married, I had my own money, career when I got married. Then they lie to me, I been with more than 20 years, I will be leaving them. My family member alerted me about them being prejudice to certain people…. I believe it now. There're so many financial institutions that are better. I will be making an appointment to see about transferring my assets to another company that appreciates all people.

Be extremely careful when doing a 457 pre-tax rollover with NFCU. I was given incorrect information two separate times. First, I was told by a NFCU IRA representative that I could place my 457 funds into a certain Roth account. Predicated on that information, I had to provide my other banking institution of the NFCU Roth account number. The initial transfer temporarily went into a NFCU savings account. I then called NFCU a week later wondering why my 457 funds were not transferred to my Roth account. The NFCU IRA representative informed me that my Roth account is a closed account, meaning no new funds could be invested. I flipped! She then told me she would setup a new Roth account for the rollover. She placed me on hold for about 12 minutes. She then informed me that only 457 accounts could be placed in a traditional IRA, not a Roth IRA. At this point, I'm getting jerked around with wrong information big time. I did wind up with a traditional IRA, but I'm telling you all to be very, very careful about IRA representatives at NFCU.