Navy Federal Credit Union Reviews

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.

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.