Navy Federal Credit Union Reviews

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.

Navy Federal has become a Credit Union that don't care about their customers. As soon as Navy Federal have fixed this 15 month ongoing issue. I am closing all my accounts, pay off all my loans and get the F away from these incompetent people.... I would never recommend Navy Federal Credit Union To Family, Friends, Veterans and Dog..

My bank account got ripped off for 3500.00 and the service following has been short of catastrophic. Calls in queue are long and the service addressing issues can take a lifetime. I am looking for another credit union.

While purchasing our present home we were approved for a loan at a 4% rate-right as the rates changed. Navy Federal Credit Union disavowed the lower rate and switched the rate to 6.75%. When we asked about this Navy Federal Credit Union argued as the purchasers of the house, we hadn't signed with the seller. So in the middle of our loan NFCU switched our previous rate to a higher one. We thought we could manage this, but the higher rates hurt us financially.

First, I am a 100 percent disabled veteran. I have been banking with Navy Federal since 1990. I have had minor issues over the years until recently. In June, I applied for a consolidation/signature loan and was approved after multiple credit checks, despite a mix-up that occurred due to their error. Now, the consolidation portion of the loan was performed successfully, but even after a month, I still cannot get them to pay me the remaining balance of the loan that I am currently paying for. I call, they give lip service, or even hang up on me. There is nothing I can do. They have nearly $6,000 of my money, but I cannot get them to release it or even deposit it into my account. No reason is ever stated. The last time I called the supervisor, they just hung up on me.

I'm wondering if NFCU has cash flow problems? Every month I deposit a check into NFCU for the same amount from the same bank. There's never been a problem previously with these deposits. I've never had a problem with insufficient funds or any other issue with NFCU. This month, they put a 5-day hold on my check "for my protection," according to them? When I asked to speak with a manager, one is not available. NFCU now has access to my funds & I don't. Doing this to thousands of customers, results in great cash flow for NFCU. In case someone is wondering, I'm taking my banking to an institution I can trust.

Very unprofessional, I had to call this credit union twice and both times I was angry and disappointed with the way they handled my issues, for it to be catering to vets and family it’s a sad situation, after they resolved my claim I will closed my Acc

Navy Federal’s Employees Stole $10K and Years of Harassment. Review: We trusted NFCU because they’re supposed to be for Navy families. On May 7, 2023, over $10,000 was stolen—internally transferred by NFCU employees. They admitted it. We got $1,300 back. Since then:

They are quick to approve a car loan. Then after the purchase they screw you with a different interest rate than what was advertised, a payment that they came up with After the purchase, the ask you to sign the promissory note. Who does that, had I known what the payment plan was going to be I never would have purchased that vehicle. It’s like allowing someone to move in then tell them what the rent will be, a bit backwards. This is unacceptable to real business people.

Been a member of NFCU for 37 years. I've had both business and personal accounts. My kids have all had accounts. I've had mortgages and car loans with them. The quality of the institution has continued to decline every year. They chose to focus on high cost advertising and big employee bonuses rather than value to their customers. No longer any incremental value than any other bank. Their loan rates are not competitive, their account interest rates are well below the market comparisons and they continue to change terms of service on their products and accounts so that they can charge their customers more penalties and costs. Working down my current balance to zero then closing things out with them. Have encouraged my kids to look elsewhere as well. I encourage others to do the same. DO NOT BANK WITH NFCU. THEY ARE A WOLF IN SHEEP'S CLOTHING.

To Whom It May Concern,

As a person of ** I would not recommend Navy Federal for banking. I had lost access to my online banking account with no explanation with all of my money in that bank account. I was told it was supposed to be a 2 day process. It turned out being over 2 weeks with me not being able to access my funds I’ve worked for and as I’m writing this I still don’t have access to my account and sitting on the phone waiting on a supervisor as I type. I was told I needed the written request. I’ve submitted this written request over 10 times. They would confirm they have it then I would call back the next day and then say that they haven’t received it and I know some people would say why not just go in to the bank physically?? Well I don’t have a branch in my state unfortunately.

Deposited an In State Check from A Business! They say it takes 5 Business Days for the check to clear?? Owners Bank already cleared the funds and Navy Federal is Holding them for 5 Buisiness Days ??? Going to another Bank! Do Your Research!

Navy Federal refused doubled the interest rate on my car loan, stating they didn't receive the title from the DMV showing them as lien holder. The clerk office gave me the exact date the title was sent electronically, I provided the information to the bank but was told they had no records of it. After several calls/visits to the bank and the clerk office I had the issue resolve, Navy Federal ten refused to apply the extra payment to my principal loan amount saying it was beyond 90 days. Even though there was evidence of me making multiple efforts to resolve the issue during this period.

Navy Federal Credit Union states that their people "are the mission", yet they will not honor a signed credit card insurance form! Became 100% disabled in combat, had to separate, yet they refuse to give back money they took out of my checking account to cover a bill that I never knew about. And this was 15 years after being discharged! Please, from a Wounded Warrior Project Alumni vet, do NOT do business with Navy Federal! I would advise against USAA, too.

Beware of NFCU. If you don't need money immediately and only use them sparingly, they are probably ok. But the first time you have an issue, it is almost impossible to get them to work with you to resolve. I've never been treated so rudely and unprofessionally by a bank over the phone in my whole life, and believe me I have dealt with a lot of banks.

NFCU is skinning money and fees off of our military. Had $6500 pending for my federal tax that should have been credited immediately and NFCU would rather screw their customers for fees and holding monies and get an interest for their holdings.

I had a $1600 fraudulent charge on my account. Once I noticed it, I immediately canceled my card but Navy Federal Credit Union would not recoup the stolen funds. Even after you Google the place where the fraudulent charges were used and can clearly see it's a scam. I will never bank with nor support Navy Federal again and their supposed support of the military is laughable at best. Pitiful...

I have been an NFCU member since 1992. I have had multiple loans, a credit card and a line of credit. Recently (January 2025) I paid off my line of credit. In February 2025, a $1.06, yes $1.06, service charge was applied to my account. I had a $75 auto payment set up, which I always have autopays set up for my accounts to ensure the minimum payment is met. I usually payoff or triple minimum payment amount. In March, the $1.06 payment was not paid because it was lower than the amount setup for autopay. In April I logged into app and discovered I owed $1.06 and attempted to pay. The app would not give me the option to pay, it would not allow me to transfer as the option to pay LOC was not even there. I attempted call the number listed to pay and it would not accept payment less than $5. When I submitted for $5, it said the system had technical difficulties and would not accept the payment. That occurred 3 times.

If it were me, go over to USAA, Navy Federal lies, I am a hungry disabled combat veteran. Last month they let me at my monies 4 days early, not this month. Their clerk even said, "Well last month you received a interest free loan, you will have your money on the 30." Knowing I haven't eaten in a couple of days they're crooks

NFCU is the world's largest credit union by membership and assets. Their membership is restrictive, limited to active duty, retired, veteran military members and their family. They offer nearly every option for banking one could imagine. When they do not offer a service directly they outsource it to another company under their name such as Homesquad for mortgages.

They do not protect you if a merchant do you wrong. We had an appliance company install the wrong part and they came back and installed another part which was still not the problem. They never showed up the 3rd time to fix the appliance. Navy did not see anything wrong with installing the wrong part and never coming back to fix the appliance. So they denied.

I need to change my last name. I just got married. Navy Federal Credit Union is the only organization I deal with among a half a dozen banks a half a dozen investment companies and insurance companies and pharmaceutical companies and they are the only ones who will not accept my valid Colorado ID they expect me to wait weeks for a new one to come in the mail. They can identify me 1000 ways from Sunday. Discover just did it Without even asking for anything except that I demonstrate who I am by answering all the usual security questions. Other places have done it by looking at the marriage certificate. Nobody and I mean nobody has denied me the opportunity to change my name except Navy Federal Credit Union. This is illegal. My ID is legally accepted everywhere and they have no right to reject it.

I tried to deposit a check on the Navy Federal App, but it continued to give me an error. I deposited the check in a different bank account and transferred the money to Navy Federal. Two days later, Navy Federal said it was deposited. I called Navy Federal to tell them I had already deposited the check in a different account. Navy Federal said there was nothing I could do. I am now out $700.00 because the check was deposited twice. Navy Federal said it is my fault because they sent me an email saying it was deposited. Why would I check my email if it was giving me an error?

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.

I'm no longer an NFCU customer. My father started a savings account for me at NFCU when I was a child. As a young man, I joined the active duty Army and started an NFCU checking account for my direct deposit. I made mistakes as a young man, and had some overdraft fees that were, to my recollection, outrageous. I changed banks and NFCU was all too happy to close my checking account. Years later, after my time in the active duty Army, I attempted to apply for another checking account with them. I still had my savings at NFCU. They declined me for a checking account. A couple of months later I closed my savings account with them and swore them off forever. Fast forward 20 years, now they're spamming my mailbox with junk mail trying to get me to apply for a credit card with them. That's NEVER going to happen! I should be allowed to charge them a fee for having to discard all the junk mail they send me!

Navy Federal Credit Union held my deposit for a week, didn’t notify me at all and I had to call several times just to get the same answer that it’ll be five days from whatever day I called them. Look out cos Navy Federal credit union will hold your money for as long as possible and not care at all about your situation. Customer service reps are clueless and are just given canned responses that don’t even make sense and get themselves yelled at. If this is the best that Navy Federal credit Union can do for our nations veterans then I’ll be looking for better financial institutions that are more respectful and customer driven.

I remember when Navy Fed was the best bank to have. The customer service was amazing. The fees were great. In the last five years it has gotten worse and worse and worse. They won't answer any question... even generic such as; is this something I would be able to do online? Without requiring you to get your card out, read the number, verify your user name, your birthday and so on. Seriously. I HATE this bank these days! Everything that made them great, is gone.

Worst Credit Union in America! The BBB just came out with the 10 best Credit Unions in America. Surprise they did not make it again! They are nothing but a scam. How many members have no reason to join! They just don't care. The biggest is not the best! Just like Walmart. The biggest but the worst! They will let anybody join. They didn't ask me!

It's always good to be a member of a credit union. However, if you need a loan I recommend shopping around first and make them your last option. They tend to give you a higher interest rate when compared to other credit unions despite having good credit and a low debit-to-income ratio. They're not transparent with their approval process when questioned.

Whoever decided to move Navy Federal's online system to a new platform should be fired. The new system is absolute **....I find myself using USAA more and more, as they still have the same system that Navy Federal dropped, and shifting more of my money to fidelity. Every time I try to use the system something does not work, or I find yet another issue with the site that annoys me. I mean...what woke moron thought it would be a good idea to push you to select the "To" account before the "From" account in the money transfer section, when it's been done the other way around by everyone else for decades. I find myself having to undo transfers all the time because no one thinks that way. Everyone says you are going to go from here to here. Not you are going to go to here from here. This is idiotic creativity.

Policies are designed to hinder and hurt the working class consumer. Funds are held unnecessarily; customer service are like programmed algorithm robots designed to quote the misleading policies. I have two accounts, one joint (I am the secondary); one account I had no choice to get because I couldn’t function with the other because I was the secondary even though it’s a joint account. Deposited a check in the joint account (2 years old now) and was told I was a new member and there would be a 5 day hold, even though I didn’t deposit the check in the new account. The check has since cleared and posted but is not available, yet I received an email stating it’s available “Now”. Last time I checked, now means now. Not later.

My credit cards from Navy Federal Credit Union was hacked. Since APRIL of this year, I requested statements from 2019. They kept sending me my debit statements. Not my credit card statements. They are hiding something. Navy has 4 lawsuits against them regarding these issues. The Feds arrested 3 individuals working at Navy hacking into accounts and stealing/charging items. More to come. Pull away from NAVY FEDERAL CREDIT UNION!

Their pre-approvals are worthless. They constantly asked for the same documents over and over, and a month into escrow they denied the loan over information that should've been mentioned during the initial application process.

About two months ago I was scammed while banking with NFCU. Long story short someone was able to get into my account open a consumer loan and then call me from a Nfcu phone number. After it was all done and said Nfcu said I was at fault and debit my account months later without a warning for $4500. I was scammed and got blamed for it. I want to do a class action lawsuit but I want to know how many other Soldiers, and Soldiers family members, and retirees was scammed like me. Eleven years banking with them. Pretty crappie! Feel free to contact me if you was also scammed. **

Navy Federal is by far the worst bank I ever had. The only reason they get one star is because they can help you reset your password on your account. They are extremely racist and then once you call them out on it they only allow you to talk to the ** that work there that aren’t even trained properly to help. For starters, no one in the entire company understands their job, their duties or that they even work at a bank.

Warning!!! They only care about money!!! I been with the company for 25 years & when somebody claimed a fake fraud report these idiots gave them all 3k back. Regardless of me sending them 80 pages of proof saying it wasn’t fraud. So they let a nonmember scam me, gave them all my money, & closed all my accounts. I will make sure EVERYONE knows how they operate!!!

The only reason this is getting one star is because no stars are available. My daughter and I have a joint account that she is the primary owner of, I deposited 8k from cash app to Navy Federal which was her tuition money for the upcoming school year. I personally owe a balance on a closed credit card and they took the 8k the same day that it was deposited on May 6th. When I saw the transaction I spoke to several people who advised me that I would not be able to get the money back. I eventually got to someone who advised me that they could give me back $6500 but I had to pay an additional 2k. They ended up giving me $4500 of the 8k back.

I had to close my account due to unknown charge and other personal reasons. I requested a new account. I went into their location and was politely reminded I had a pending direct deposit from my employer. I was provided a slip to give to my job with my new account info. I was told the account would not close for 3 days, it will stay in pending status so that the deposit would be received and I could transfer it to the new account. Well that didn’t happen on Friday when I look and could see my deposit in either account. So I called Friday, spoke to someone that advised me my employer submitted the deposit to be released on Saturday which is today. That was odd to me but I took their word as the truth because he could give me the amount of my deposit and said he could see it. He confirmed my money will be there on Saturday after 6am. It’s Saturday no deposit!

Been a member for a few months now. Usually deposit checks weekly for payroll and they clear in two business days. Now just deposited a $30,000.00 check from a major company and bank and they are holding it close to 10 days now to clear where this has made payments that needed to be made out late. Not pleased at all. When asked to phone rep was told it's on their website rules for large deposits. Why wasn't this stated upon account opening. This all could of been avoided if this was know and could of been put in my other bank and cleared in 2 days. Live you learn...

NFCU is being sued for racism in how they mortgage lend (google it). NFCU owes me money and refuses to pay. Here's what happened: I hired a garage person to fix door. He fixed it sort of and left, BUT the door would not open after he left leaving me a week without opening garage (until I called another company to come fix it). The original company would not respond to my calls. I told NFCU the garage door was not completely fixed and company would not respond to my calls. NFCU had an ignorant person (a disrupter) named Ethan tell me NFCU requires all landline text messages as proof that I contacted the company. I explained to Ethan several times that you can not text via landline and Ethan continued to insists that you can.

I’ve been with Navy Federal for years and now they are sucking! Someone stole 6 dollars out of my account and they reversed the charge after I had to get another bank card. I paid 27 dollars for some food. Someone ended up stealing 6 more dollars from me and I didn’t give or sign for any extra money to come out! Navy Federal reserve the 6 dollars and I’m upset that people can just steal and she told me the representative should’ve put it in as fraud, but debit dispute, but they didn’t want to fix it. They want me to dispute again when I’m clearly on the line with the representative stating that. Maybe of course I was being racially abused because this wouldn’t have happened if I was a ** woman or a republican. Don’t worry. I’ll just take my money out. I don’t trust any of these institutions not even Apple Institution. Don’t worry. I’ll keep my money or find another bank to put it in and leave little to NO MONEY IN there!

NFCU abuse and predatory practice, part 1 - Unauthorized and Illegal account access. Navy Federal Credit Union presents themselves as a supporter of our servicemen and their financial future. In practice it is just a mask. They are solely a money-making venture with the only consideration the shareholder value of the executives of the organization. I am writing this out of obligation to the young Marines starting their futures so they can learn from my experience and not have to pay the cost that was paid for the below education.

I have called multiple times and received good help. My last call was a little more 'calling out' when I asked for a Supervisor, I got skipped over to an automated rating request. Unfortunate, because some in the past have been good, but I am not standing by while the worm spoils the apple! If NFCU wants all complaints transferred to the abyss, I cannot continue to support.

My husband and I were victims of fraud. A Navy Federal impersonator hacked our account through our email, added themselves to our account WITHOUT our approval and transferred themselves $5,000! I immediately reported this to Navy Federal, filed a claim over the phone and was told our funds would be credited in 7-10 business days.

My husband was SCAMMED on Saturday afternoon by Navy Federal. Someone pretending to be a banker from Navy Federal. My husband immediately called. Talked to a customer representative. NAVY FEDERAL stated, "We are aware of the scam, you are not the only one this has happened to". They went on to say that IT WAS A NAVY FEDERAL MEMBER!!?. Wiped my husband account clean!! Today they gave him a PARTIAL amount and said it's nothing they can do. Someone at NAVY Federal is/has been taking money from hard working people and REFUSE to rectify the situation.

Worst experience ever with a Financial Institution. Worst Customer Service. I wouldn’t recommend this bank to anyone. You have to call the main Branch to get anything done. And then it takes forever for an actual response. They flag and freeze accounts and then take forever to clear your funds.

Can't make deposits in excess of $50,000 because the account doesn't qualify and no information as to why. I've been a member for 30 years and made the same deposit last year! I have never bounced a check and have a credit score of 800.

4/26/2024 DO NOT BANK HERE, DO NOT TRUST THESE PEOPLE. The credit card was never received, They sent out a new card with the same fraud charges on it. And insisted that I pay for the transaction. When I say this is the most worst and shady union. I TOLD THEM about all this and all I get is transferred from 1 rep to another rep. I have argued with these people so much that my health is grave status. Denise in dispute department said: she is transferring me to the fraud department once I informed her of the situation and that I will be asking her to subpoenaed in a lawsuit against Navy federal: time is now 1:21 pm- holding for fraud department, transferred me and hung up. As usual.. They hang up on you and demand money. A Supervisor never gets on the phone.

After over 15 years of banking with them, they decided to not renew one of my credit cards with absolutely zero notice. Great way to treat a veteran who has deposited over $30k per month in the accounts in the last 15 years. Anyway, your loss. Just switched all accounts over to another bank. Bye bye

Navy Federal is due for an investigation. They are notorious for charging hidden fee, never honor lower interest rates even though it was in writing. Agents are trained to give alternative explanations without documentation. I must screenshot all problems to provide information. Never received emails about changes to my credit card.

If only I could give them negative stars! Apparently, I have magic money in my acct, because it appears then vanishes without a trace. It was in a CD for heaven’s sake! That's only 1 of the many issues I have gone through. I am currently battling just to have access to my account because one of their people entered the email in wrong. You have to send in a request email with a lot of stuff on it, an ID, and sign 3 times. All signatures have to be identical. I mean exactly alike. You have to wait 48 BUSINESS hours and you may get a response telling you to do it ALL over because your signatures are not the same. This bank is ridiculous and nothing but a frustration. I will be changing banks very soon.

I’ve been a member for a few years. The only complaint I have is that I made a deposit, a check, on Friday and it didn’t clear for 5 days. It went through on Wednesday. Other banks deposit the same day.

These people are very incapable of accurately doing their jobs, I have an open dispute that I keep getting the run around about since January of this year! I just spoke to a Supervisor that said to me that their dispute process is on their website, well....If I called I want someone who already knows the process to tell me. Don't tell me what I should've checked, no. Check your staff to make sure they are providing customers with correct information. People make mistakes, but I have literally talked to about 10-20 Reps that have provided me incorrect information and I am supposed to be okay with that when it's my money in limbo! WRONG!!!! And to add insult to injury she informed me that the documents that I provided is not acceptable not to mention I have talked to 4 people prior to her that viewed the documents and never said anything about them....But I'm not supposed to be upset....Ha!

I was playing on The Virginia Lottery Website. I tried adding $60 but it was declined. Navy Federal still deducted funds from my account. I spoke to both Navy Federal and Virginia Lottery. The lottery stated it was declined and Navy Federal says I received the funds. I disputed the charge and they closed it out and said no error occurred. I will not be lost out of my hard working money. I don’t care. This is so unfair to me and is messy because that’s not just $1. I have kids that could eat off of that. I’m thinking about taking all of my money out and close the account. They definitely failed at providing accurate services even after I uploaded a screenshot of my account.

I would've given ZERO Stars if I could. 20 plus minutes to speak to right department despite using the contact information provided in the letter. This bank holds grudges against its customers for things that have occurred over 2 decades ago. The impression I've received is "Hey you can be a member, but you'll never get any loan from us." We're human and make mistakes, but NFCU certainly holds a grudge. The way they communicated this was "You caused Navy Federal Credit Union a loss." They didn't even look at my credit history. I was turned down in under 10 seconds. After 35 years of being a member, this is how they wish to conduct business. I'll take my business elsewhere. What a joke! Feel Free to contact me if you dare.. Please be above the supervisory level. I certainly don't think anyone will even attempt to contact me.

This has been the most frustrating and convoluted banking experience of my life. Half of the time their system is down, and they are unable to provide assistance. I have spent exorbitant amount of times on hold only to be told by a representative, when connected, that their computers are down. I have had an issue with my business account that has gone unresolved for over six weeks at this point. During the times when they are functioning, I have been subject to rude and undertrained tellers. If I were to call Navy Federal Credit Union, regarding a question or concern, I can be guaranteed five different answers related to the same topic. If they put as much resources into actually being a bank, as opposed to making fancy commercials and building a big, shiny campus, they might actually develop some credibility. I highly recommend anyone considering putting your funds in this institution look elsewhere.

Bank is okay unless you get into a bind. They will pull money from your account without notice to pay for debts if they fall behind. They pulled $1000 from my account then basically told me to pound sand. I'm a single father with 2 kids. How am I supposed to make the payments to live missing that amount of money in this economy? Real nice for a veteran and active duty "friendly" bank to make more homeless vets.... Fight for your country and get dumped on by your bank. I wouldn't recommend.

Navy Federal Credit Union is one of the worst banking experiences I have had to date. Their app does not work for depositing checks and they take forever to deposit checks deposited at a branch. I tried for three days to deposit a check online. The app indicated the deposit went through. Then, later that night, Navy Federal sends an automated message that the deposit did not go through. I finally drove 10 miles to the nearest branch and deposited the check. The funds showed as posted in my account but not available 2 days later. Then Navy Federal started charging overdraft fees against the account.

So this morning my husband alerted me that our active duty account wasn’t accurate. I always transfer my portion of the bills into our Active Duty account. The money was sent on 03-22-2024. I verified the joint checking account and my husband scheduled our bill payments. I got a notification on 03-22-2024 after I transferred the money into the Active Duty checking account. You can most of the bills I paid that came out showing the correct date.

Would like to know still after having to call in twice and be transferred 3 times with different representatives regarding why I am being texted message after midnight PST on a Tuesday morning which would be 3AM EST. Absolutely ridiculous to be notified after midnight or first thing literally in the morning at 12:28 A.M. To be exact about a $1.00 attempted charge to an debit card to an account that is closed btw and has not been not been used at all and this account the card was linked to was recently closed two weeks ago???? Yet the last message I've ever received prior to tonight was March 15, 2023 to create a user account. So weird, get your AI straight.

NFCU allowed my then spouse to REMOVE me from joint accounts w/out my permission. I lost about $6000.00 because the teller and phone cyber team were socially engineered by my then spouse. Soon to be ex spouse lied without any evidence that we were in divorce- which we were not and that would not give him Super precedence to remove me from Joint accounts. I have asked for the evidence, paperwork, proof that would justify NFCU’s Careless Derelict action they took against me.

Been w/ Navy Federal 3+ yrs, I dare not ask 4 a loan to buy a house, they are rejecting everybody, but not the foreigners. I put a Freeze on my Card & they still let people take my $$, no point in freeze card.

They had a $350 for $3500 spend deal for their credit card. They gave me a low $500 credit limit to make it very difficult even though I have good credit.. So I overpaid the account and still couldn't spend more than $500 dollars at a time, and I had to wait days for the over limit to go away. Now apparently they start the date of the 90 days on the application acceptance date, not when you actually get the card so you can start spending. And, they don't count all purchases even though the initial email says nothing about limitations on the spending. After lots of struggle to spend $3500 with this card, I don't get the bonus. I would suggest not getting this card. I also applied for a mortgage loan and somehow it got all screwed up. Not really impressed so far with this company.

For the past 12 month we have been looking to buy a house and every 120 days we had to renew our mortgage application to update our pre-approval letter. This required filling an application online including running a hard credit check. Each time we encountered a different set of information from different assigned loan officer. Being a person involved in financing of government projects I am fluent in the topic of financing. Every time I talked to the assigned loan person, I had difficulty to receive the basic information from them. They often could not explain or share how the assessment was done. They never provided any paperwork except the pre-approval letters. I never received the truth in lending paper work or any information in writing and any loan information given was verbal.

Today, Sunday Feb 25, 2024 at 15:46 I telephoned Navy Federal to have my credit card expressed to me. The Customer Support Agent was named Gabriel and he was courteous, polite and swift in his actions. So much so that I was prompted to write this Review to tell about how easy it was to accomplish my task and to talk to him.

Terrible, they are bullies that will take your money and run,... They left a family in need in the cold, wiped out all the money in my account, they didn't even warn me a payment arrangement needed to be made for someone I had on my account, I was kept in the cold and all they kept saying is "you signed disclosure." they wouldn't even tell me where my money went and I tried to dispute it because I explained we lost our jobs due to Covid mandates and someone I know on my account would not have been able to make those payments, we have expressed this financial hardship before to Navy Federal and ultimately, they kept my hard earned money after losing our home in NY and much more.

I cannot stress how miserable my experience with Navy Federal has been, on multiple occasions in different departments. While getting my mortgage in 2020, the loan and mortgage officer were a pain to work with personally. On multiple occasions I had to calm my realtor down on account of how frustrated she got working with Navy Federal. For my down payment Navy Federal calculated I'd need to have $13,000 in my account. I had to ask several family members to give me loans because this was way more than I was expecting the down payment to be. After the mortgage went through I ended up only needing $8,000!

Over the last several years, which started during the Covid pandemic, Navy Federal has been awful to work with. I lost my job during the Pandemic and had to use my credit card. I unfortunately had to use this credit card to pay bills and keep a roof over my head. I paid my bill on time every month to Navy Federal, yet they decided to for some reason to add an additional monthly service charge including the monthly interest rate with NO WARNING!!! After speaking with several agents, they could not explain the monthly service charge. It was impossible to keep up with these monthly payments even after finding employment. I canceled my checking and savings account with them after being a loyal member since 1996. I urge anyone who's thinking about banking with them, DO NOT!

Be prepared to fight with this bank. They will hold all of your local or non-local deposits for up to 10 days for no reason even if you have the cash in the bank, they don't care. They flag everything, even your paycheck will be on hold. They won't tell you at the branch they just give you a surprise and then you can't speak to a manager or anything they leave you hanging and they violate every banking law they have even their policies. If you have checks to deposit, go elsewhere, not here. They are horrible banks. Cash is fine but nothing else. Stay away from bad places to do business.

Navy Federal Credit Union is really wicked! No, they do not have your back and they violate their own policies. They treat your money like it is theirs. They can literally see where you were defrauded and will not return your money to you, will close the claim allowing a deceitful, wicked, fraudulent transaction to occur which is criminal activity.

My experience with Navy Federal Credit Union during the tumultuous times of the COVID-19 pandemic has been nothing short of a nightmare. In May 2023, I requested a one-month deferral due to the ongoing challenges posed by the pandemic, only to have my trust shattered and my financial stability compromised. Despite their assurances of rectifying the situation early in each month, Navy Federal Credit Union repeatedly failed to honor their commitments. Each month, I was assured that my records would be corrected, only to find myself facing the same detrimental consequences by month-end. This inconsistency has cost me thousands in lost credit, jeopardized my clearance, and sabotaged my chances of securing a mortgage approval.

Don't ever consider using this banking institution for any loans. Don't even waste your time. I am a veteran who banks with Navy Federal and came to a desperate time where I needed a new vehicle for transportation, or my family and I were going to suffer. I called them to request an auto loan and went through the process of consent and acknowledgment for the loan. I told them my credit score and informed them that I didn't want them running it unless the credit score would be approved. They made it sound like it was no problem at all and went through the process for a preapproval, and made it seem like I should be approved. They indicated that based on the amount I was requesting, which was only $5000, I would be paying an APR from 6% to 18%. I told them I was okay with that. I also mentioned that I would be putting down at least four to five thousand dollars for the vehicle as well.

On 9 Feb I reported this problem and was given an incident #. Today is 12 Feb and I spoke to a tech support rep who understood the problem and informed me that they were working on it. My complaint is simple - why did NFCU field a version of their system that was not adequately tested, and if this problem is pervasive (I believe it is) why can't they revert to the older version that worked? Unfortunately, customers are frustrated with this problem and no one can inform us when this will be resolved. Customer service -- what do you think?

Do NOT expect Navy Federal to honor their “Zero Liability Policy”. On their website they state that “we’ve got your back!” but that is a deceptive lie. Someone in a city far from mine, that I was not in, fraudulently withdrew money from my bank account via ATM. Navy Federal says not error or fraud was found, even when I appealed it. This was the most clear instance of bank fraud committed against me and they fail to live up to their word. It’s disappointing and frustrating knowing that this bank does not protect their members against unauthorized transactions and money being stolen from their customers. They took back their provisional credit from me and left be to suffer this crime with no assistance.

Credit cards department really need to up their game! Transactions take forever to process, and worst of it all they hardly ever increase your credit limit! I've been with them since 2017, paying off my credit card on time and all that. When I asked for an increase in my credit limit, they gave me flimsy excuses that they can't! I'm seriously considering leaving them!

I was approved for an auto loan last week. The rep told me what my payments would be if I had used the full amount. I didn't use the full amount and the payments are over $100 more than what I was told the max would be. I called called NFCU, but the rep said they wouldn't have told me that and there is nothing I can do to change the monthly payment, other than refinancing and hoping I get a better rate. But then she said I only have 60 days to refinance with them. I opened my account in the 90's and never had any issues like this. I'm closing my accounts and moving ASAP.

I called Navy Federal Credit Union (NFCU) and requested an itemization from my checking account regarding monthly transfers. I was told it would take 2 business days, and it would be emailed to me. After 3 business days I contacted NFCU to follow-up with my request and was told it was still being processed. After 5 business days I follow-up again at which point I am told that I would have to do this myself, by copying all of my statements and basically redacting them by hand. This customer service rep felt it necessary to challenge what I said to her by implying the rep who took my request suggested it could not be done; when in FACT I said “the rep who took my request asked me to hold, while he checked to see if he could do this himself”. When he returned to the call, he said “HE WAS NOT AUTHORIZED THE ACCESS TO DO THIS FOR ME, however, the "BACKOFFICE" could, and I would receive it in 2 business days.

I took out a 401k loan in an emergency and went to the Annapolis branch of the credit union with the intention of depositing it. When I handed the check to the teller, I asked her how long the funds would be held for and she stated "two business days." Upon returning home, I received a phone call from the branch stating that the funds would be held for five days. So now I can't even buy groceries for a full week (seven calendar days) because Navy Federal lied to me.

I filed a claim about two unauthorized ATM withdrawals totaling $480. My claim was denied without a proper investigation which would have included contacting me and reviewing the security camera at the time these withdrawals were made. On January 18th, I received an email stating that my claim would be investigated and I would be contacted. On January 19th, I received another email denying my claim without contacting me. It’s obvious that Navy Federal did not conduct any investigation into my claim as I wasn’t contacted and the security cameras at the ATM were not reviewed to determine who made the withdrawals from my checking account. I am worried about the security of my accounts.

So disappointed with NFCU!! I received a credit card from them in 2022. Never been late on a payment. So I admit I was $2000 dollars away from my credit card max. I always made sure I never maxed it out. My APR is supposedly 18%. Variable 18%...so I noticed that my payments were over $500...so I decided to stop using my credit card for purchases and was paying $1000/month. After not using my card for over a month... the payment was $541.00...ok. I had an issue with that.

I have never seen such an egregious banking institution. Navy will be called to answer for their behavior. First of all, my credit score is excellent, and they gave me an interest rate of 7%. With my score, I normally get a 2.25, or maybe 3%, on an auto loan. Since I understand the economy is in an upheaval and the banks are giving more money on investments, loans will suffer. I talked to Navy extensively about lowering the rate, and they gave me some double talk as to why they couldn't.

I’ve been with them on and off for years, but only lately I have realized some of their awful schemes. The way they post transactions is very misleading and shady. Refunds are held for days if not more!

My account were disabled because my cousin were trying to send me 2000$ and when I called, they lied in my face accusing Zelle, and I called Zelle… I was told that they do not have nothing to do with that… And I asked to speak with a supervisor, she apologized and ask me to submit an appeal about their racist decision to block my account!!!

I'm disabled veteran us Marine retired Msgt and decided to go with Navy Fed. Had great score and was pre-approved. A week before closing they denied me with no clear answer to why. Mind you this was after all cost were paid. The same day of denial I went with Penny Mac and was in my new home a week later. Do not trust NavyFED AND RUN! Go to another bank. What they put me through was terrible and wish this on nobody especially to us military.

I have been a member of Navy Federal for 6 years. I will say NavyFed offers great customer service. They are prompt, polite and knowledgeable. For the majority of my time with this bank I haven't had any issues. I have used their certificates and savings accounts but NavyFed is not competitive in those areas, you really don't get much for your investment and you're better off investing elsewhere. Their checking and savings accounts are basic and easy to use and the app is very functional. I have used a personal loan through them and they offered a fairly high loan amount easily so it doesn't seem hard to get loans (I did have good credit and little debt for reference).

I went to the bank to deposit my paycheck. I noticed that my car company had attempted twice to take my autopay from my Navy Federal Account instead of my Orange County Credit Union. I told the employee helping me that this transaction was not authorized by me and I asked for the $29 NSF to be reversed. She kept saying over and over that I authorized it and I kept telling her that I did not give my consent. I asked to speak to the manager. The manager refused to come out, from whatever office she was hiding in, and speak to me. Then the employee told me that I would have to get a letter from Mazda in order to waive that fee. I had already deposited $3300 with Navy Federal. This upset very much so I asked for my check back and to close my account. They would not close my account because of the negative $12 balance which occurred because of an unauthorized transaction. Terrible management.

We applied for an auto loan based on the advertised rates knowing we have 800+ credit, high income, excellent debt/income ratio. We know you don't always get the best rate, but after an opaque loan process, we were offered a loan several full percentage points above what was advertised. Clearly, they are advertising very low rates (always some of the lowest out there) but never actually give them to anyone, so we end up with a 5 point ding to our credit, wasted time/energy, and a loan we would have never applied for had they been honest. Our nation's veterans and their families deserve better. When we called in, we experienced one of the rudest representatives we've ever heard. Normally, it's a 50/50 with NFCU whether the rep is rude or nice, but this was off the charts. We immediately cancelled all accounts and have filed a complaint with the NCUA. Shame on NFCU.

It didn't use to be this way, but now Navy Federal holds every check for 5 days. They give you some garbage explanation that "we have reasonable cause to believe that the check is uncollectable from the paying bank based on confidential information that indicates the check may not be paid." They sent this email for payroll checks, Federal income tax checks, and a pension payment check that I desperately needed. In addition, there is currently a class action lawsuit against Navy Federal due to unfair lending practices. I would not use this institution if you are a minority. As soon as I redirect my Military disability payments to USAA, I will be happily closing this account. Good riddance to bad rubbish!

I started an application for a loan with them and never finished it. I didn't provide any validating documents because I never intended on submitting the application. Instead I get an email saying my application was denied (when I never even submitted it) and my credit score took a hit because of it. When I called customer service they said this was normal, and by simply providing earning into they run a credit check, whether you submit the application or not. I am not happy about this nonsense and will continue to only utilize my account with this place as a backup account that isn't used. Thanks for your excellent help, Navy Federal.

If you need a home equity loan, they are wonderful. Excellent rates, efficient processing, great communication, courteous customer service. But have them mail you the check. Do NOT use your Navy Federal Saving account or open a checking account to pay bills with using the loan. They use a third party Bill Pay company who doesn't process your payments according to when you specify the bills should go out, and Navy Federal has no control over that. That means you basically have no idea when your bills are going to be paid. There are "reasons" for this, none of which make any sense if you have used a regular bank's Bill Pay. Bottom line is that Navy Federal's Bill Pay doesn't work like a regular banks', and your bills may very likely be paid late, and no one tells you that.

WARNING to anyone considering Navy Federal Credit Union!!! My granddaughter’s account was hacked with suspicious activity and withdrawals, they (Navy Federal) locked her out of her account. Meanwhile withdrawals continue to be made. Calling their “customer service” phone line is a joke, put on hold for next operator in excess of two hours, two days in a row. Went to a branch office and found out the customer service reps. have to use the same number regular customers use. She’s been told that Navy Federal will not help her and she’s losing monies in her account - she won’t recover any of her money.

Poor customer service and lies. You promise something to your clients and you don't deliver. This refers to a credit card balance transfer. In September 2023, the Navy Federal CU mobile application there was an offer in which referred to making a credit card balance interest-free for 12 months. I applied for this offer the next day to take advantage of this great offer. Now in November 2023, I realized on my account statement that they are not applying the zero percent that they promised. After several calls without success. Unfortunately, they tell me that they did not have any promotion of this type.

I have been with BANK OF AMERICA FOR 32 years and should have continued doing business with them. I could not get a 5,000 loan with NAVY FEDERAL. Denied 3 times. Straight trash and unprofessional. Beware.

After 14 years of banking, credit cards, and auto loans through Navy Federal, I needed a one-month extension on my two auto loans due to a delay in receiving my VA benefits. I was denied for both, despite an exemplary payment history on every account I've ever had through them. Their customer service has been on the decline for a number of years, but this was the last straw for me. Unless you're active duty military, I would avoid this company like the plague.

I feel so discriminate because I couldn't open an account to deposit the money I'm going to receive for selling my property here in Lakeridge VA. My husband is a LTC and he works at Edwards AFB CA. I'm here in Virginia to taking care of business but I was not able to open my account at Navy Federal Credit Union in Lakeridge VA. I'm a Military spouse/family member. They said they would let me enjoy it, but my account still on review for a week now. Not nice at all. I don't have an American accent because I didn't born here, but besides I'm American Citizen I'm spouse of a Military.

Short version. I had a cash rewards visa will NFCU. Mind you I have paid off collateral loans with NFCU as recent as July 2023. In August 2023 NFCU canceled my credit line that was in good standing sending a notice to the wrong address, which never forwarded to me. Their reasoning is that because my credit card was due to expire, and my credit rating had gone down due to a period last year where I was struggling. I had other accounts outside of NFCU not get paid.

I've been out of work for 5 months due to being sick. My account was empty and I was late on one credit card payment. I'm about to be evicted. My kids are hungry. A friend sent my 300 dollars to get the kids food and pay for their class pictures. Navy Federal helped their damn selves to it for the late payment and said it's perfectly legal for them to just steal money from my account if they see fit. A billion dollar company stealing money out of the mouth of children. How frigging sad is that?

BEWARE!!! I wish I had read the reviews before I tried to get a Home Equity Loan from this company. I have a credit score between 740-780 depending on the firm and make well over 6 figures in income. I was told I would easily qualify and that the loan would be closed in 45-60 days. It didn't. I was strung along for 90 days; much of it trying in vain to communicate with multiple loan officers who would routinely ghost me and refuse to return both emails and phone calls.

Have an auto loan through Navy Federal, I use them for everything. Want to refi and they do not want to match what another bank is offering me. Tried to stay with them and figured they would keep their current members but they honestly do not care...

I worked 25 years after the Military in Sales and Sales Management, half of that in Loans and Insurance. If I had employees like the folk at Navy Federal, I would have went broke. The originator didn't answer emails or phone calls. When he did call at his leisure it was always some new problem. We submitted paperwork for 44 days, loan went to underwriting and there was a problem with debt to income. These people haven't a clue about lending. We have a new loan 2 weeks later at a major lender with a interest rate well below market using ONLY my income, not my wife's and mine. Don't waste your time getting jerked around by Navy Federal if you want a mortgage.

My issue is, like most banking systems you don't know when vendors post debits, you get charged an overdraft for what? Chime charges nothing. Cash deposits at the credit union ATMs- NOT POSTED THE SAME DAY??? WHY??? Lastly fees for minimum monthly account balances...Why??? So again Chime has zero fees...They may not have all the options but you will save $$.

Navy Federal took payments out of my account on a date that was not authorized. The employees were perfectly OK to speak with but the supervisors were terrible. I spoke with two self entitled supervisors one that sounds like he was in his mid-20s and the other sounded like they were in their mid-40s Michael and Jodi and all they could say that it was my fault. I’ve been with Navy Federal for 10 years and I’m going to be closing my account because of how they acted.

1st time filed fraud claim. Unauthorized charges. Had to get a new debit card. Cost me time and money. Fraud claim was denied. Due to "a thorough investigation" within less than 24 hours. 3 different charges less than 20$ each. Can't trust with small amount what would happen if I had problems with larger $. I am canceling my account!!!

I have been banking with Navy federal for 3 months and have been getting two deposits a month. I called in to change my address and also to apply for the oops right after I did that my account was restricted. I got deposit from the same employer to my account. They hold my funds for two days causing me to go behind on bills. They just keeping till me they investigating because I changed my address. The crazy part is I never had a bank account before and this happen. Please help.

Do not bank with them. My debit card then credit card information was stolen in late June and late July/early August. I noticed transactions on my account that I did not make only for me to report it, get my money back and Navy Federal to snatch back the money 2 months later. So yes that means not only did the thieves steal from me but also my bank. They put me in a hole financially for 2 months straight. Not being able to pay some bills because I am on a fixed income and they basically said the thieves deserved my money. $600+? How do you guys sleep at night willfully knowing that you are putting veterans in a bind and allowing thieves to take money from my family? This is not ok and it's going to take me 6 months to dig myself out of this hole they put me in. Shame on you navy federal.

Please stay away from this company. They are kind to you until you have a hardship and then they could care less. I've called multiple times to work out something with them and they didn't care and stole from my husband and I $500.00. Young veterans stay away!

I was having issues with an auto loan. They put the wrong ARP and I have been back and forth with them for 2 weeks and it’s still not fixed. All the keep saying, "That’s the back of the house, they need to fix it, not us." They keep asking for same information over and over again and still haven’t fixed it yet.

If I could give 0 stars, I surely would. I had a stroke recently. As a result of this, I am living on approximately $1,400 less per month. Because of this, I am now on disability. Unable to pay many bills, I entered into a debt consolidation program, and my credit has taken a temporary nosedive. I have been using NFCU's "overdraft" protection line for a few months. They charge you $20 for each item paid, and I always bring my account up to a positive balance per NFCU policy to continue using this feature, as I am in desperate circumstances. Well, for the first time ever, NFCU cashed the $500 payment made to them, but only made $225 available to me, insisting that FIVE (5) business days are required for them to release the rest of the money! This defeats the purpose of this over-draft line entirely! At a time when I am most vulnerable to another stroke, this kind of stress is both dangerous and tragic for my current situation.

Very unsatisfied with the customer service and Credit Union. Asked a supervisor to put in a call back from her supervisor and she hung up. This is how veterans get treated? Piss poor customer service. Told me I was lying when I had the proof. Been a member for over 10 years. At risk of losing my membership. Would appreciate a message and phone call from higher ups!

Rated 0 out of 5 stars. Have been a NFCU member for years. It is my favorite bank. I was diagnosed with cancer 8-8-2022 and recently told to get my affairs in order. I have savings, checking, loan and visa. NONE are behind. I have not missed a payment. I reached out to them to consolidate. I did not qualify. I applied to a debt relief program to get the payments off of me. This bank is fair weathered bank. As long as you are humping along making your payments and not struggling. If you are old, sick and in an embarrassing situation they will not work with you.

We have never had a bad experience with Navy Federal - EVER. We have credit cards, checking accounts and have had personal and auto loans with them. We have gone overseas and not had any issues. I was surprised to see all the bad reviews here. Are there two different Navy Federals? We certainly have nothing but good things to say about them, and have sponsored a lot of family members to join and they like them, too.

As a NFCU member, I did the pre-approval process for a used auto loan. I got a good rate so went for it. Visited a NFCU to sign paperwork and get check for dealer. Loan specialist verifies APR and monthly payments. I'm happy. 3 days later NFCU sends docs saying my rate went up 2%. I called and "nothing they can do". Apparently rate went up because my vehicle was considered new (2022 but it's now 2023) and has 35k miles. When I called about the issue, NFCU told me rate went up because of miles and year on vehicle and the estimate they gave me couldn't be verified on pre-approval documents. Even though you MUST enter vehicle make, model, year, mileage, and VIN! How could they not know this info before quoting me an APR!

"Thank you for contacting Navy Federal regarding the Debit card fraud claim submitted on 2023-05-31 on your Debit card ending in ** for the amount of $65,777.06. Based on a thorough investigation of your account activity, we have determined that no error has occurred."

For 5 weeks I've been trying to buy a home using NFCU as my lender. I submitted all of my income verification, etc. to them in the very beginning. Their underwriters didn't like my debt to income ratio so I double the down payment to 30%. Nothing else was said about it and they gave me a "conditional approval". I asked what that meant and was told the appraisal needed to be approved and the title work done. Nothing else was said about Debt to income ratio. So I proceeded to order an appraisal, find homeowners insurance, and pay for my own inspection. The closing date was set and all the paperwork went back and forth.

I really hate to say it but I feel like the Federal banking system is nothing but garbage. I really had high hopes for this bank. As they are military-backed, but it seems they are just like every other bank out there. They are definitely not for the small business owner who is simply living paycheck to paycheck. If you deposit your funds on a Thursday, that's not available until the next Tuesday. So if you are waiting to use that money to start another job, you are screwed. Couple that with the adding insult to injury. They only give you a 1% allotment for anything you do deposit, until whatever check you have clears their bank. And here's the kicker-They can take the money back from you and tell you that they may not have funds available to you at any given time.

Everything started off fine with Navy Federal until they were sued for breaking consumer law. Navy Federal really needs to hold training on their so-called security team etc. They are not attorneys, they're just regular people with a job denying 90% of their fraud claims, making decisions on how they see fit and taking money out of accounts in which they are still breaking the federal electronic transfer act.

I called and asked questions about being a newer member and car loans. They said it's based on credit score not membership length. My credit score is very good 750+. Navy Federal says CONGRATULATIONS your car loan application is approved and all documents will be avaliable but failed to tell me the APR I would be charged, so I called... It was at 2% more than everyone else. Then I was told it's because I'm a new member. Your kidding right? I asked that before I joined... Classic bait and switch. I'll bet they pray no-one reads the fine print or asks questions. They will get you on the hook with HIGH rates. Funny thing is she says as we are ending the call, "we offer low rates on other things"... I laughed and said "But I'm a new member, new members do not qualify for what you advertise"...

We were already approved with local credit union with the best a.p.r., but given the current market it was harder to do business out of town while trying to find the right deal. So I thought I'd give NF a try because they did the buying process differently. Big mistake. It started with a glitch in the online input for opening an account (closest branch is an hour away). After being asked to review docs at the end of inputting info, it erased everything I had already put in and wouldn't allow me to find the info.

I called collection section of Navy Federal in regards to an account I was trying to close out and the only one that helped me was Sabrina. Everyone else just hung up on me on a recorded line. How are these people still working there. It's crazy but yea whoever you are Sabrina that works in collection with Navy Fed thank you so very much for being a professional. She was patient and got me exactly what I needed in 5 minutes. Give this lady a raise.

I've had a few issues with Navy Federal's banking over the years (never any issues with auto/home loan divisions) but nothing like what I'm experiencing now. I ordered a cashier's check on 7/31 at ~6 am and chose certified mail USPS. Called Wednesday, 8/2, for 40 mins, no tracking but they say I'll receive the tracking number on Thursday morning. No trace of a tracking number on Thursday. I call on Thursday and wait on the phone for 90 minutes with the industry's nastiest supervisor telling me that:

I opened a Go Rewards credit card based on an advertisement in their mobile app offering 15k points for new accounts and with spending 1500 on the first 90 days, I called after the 90 days and they claim they never had that ad, they wanted proof that I seen the ad. After this incident they have had the same advertisement for 15k and even 22k which they claim they never have. This is the same type of fraud that Bank of America had to pay a fine for, Cara the supervisor for the call center claimed she would reach out to another dept to verify the advertisement and contact me within 5 days. We'll it's obvious she's is not going to do that! It's been more than 5 days. This bank doesn't care about customers, I'm taking all my business back to another credit union. Wouldn't trust them anymore with my money since they can't seem to honor their own advertisement.

Just had the worst experience of my life with this credit union. The last two supervisors I spoke with were horrible and wish I had gotten their names. As soon as August 8, 2023 come I will be closing my business account with Navy Federal and taking my business elsewhere.

Despite what they say they are not veteran friendly. They promise a two early release of military and veteran pay. Multiple times they don't deposit it early. When we call them they say there is nothing they can do. This company is incompetent, and apparently don't care about veterans. I served two tours in Iraq, and all I ask is for them to keep their word. I guess since my service doesn't matter their doesn't either. People wonder why veterans are always angry. Here is a prime reason why.

My son is active military and they claim to help their military members and their family. My son and myself applied for a loan, we were denied. I called twice to discuss the reason why and they could not provide a detail explanation. The loan's supervisor stated that he could not see the reason why because it is personal and we had to wait on a letter in the mail. I don't understand why we need to wait on a letter. I have other loans and they explain to the client the reason why they will or will not approve the client's loan. They provide an explanation right there in front of you. There is no need to wait on a letter in the mail. They do not stand by their word which is they falsely claim to help military members and their families.

Worst credit union ever. I appealed my denied personal loan application today for 800 dollars. I plainly told the representative to notate that I wanted them to pull my credit because I had a late payment removed today. Lo and behold they denied the appeal and didn't bother checking my credit. I know because I get alerts once my credit is pulled through Transunion and that's who they use when doing a personal loan. Very disappointed in them. I am pulling myself out of their business at the end of this month. I am closing my accounts and going with a local credit union. Please stay away from them.

I am not quite sure I one hundred percent agree with Navy Federal, but I do know that handfuls of times I have personally paid off bills (with and without bill pay) and after every deployment or leave they claim nothing was ever paid. It is impossible to make any leeway or financial betterment based on what is happening here. It’s a nightmare and reoccurring. The base will offer financial classes but how are those supposed to be beneficial when you are getting ripped off?

My uncle has been a long time member of Navy Credit Union. He was in the military and a decorated Homicide detective in Washington DC. My uncle suffered from Dementia and Alzheimer. There was a home care aid that ravaged through personal documents, obtaining his social security number, his banking information and supplied fraudulent papers opening a joint account with him at Navy Federal CU. The sad disgraceful careless efforts on the part of Navy Federal is that the documentation provided the WRONG social security number!!!! Upon me notifying Navy Federal CU that my uncle had passed and being the administrator of his estate, requested release of funds in ALL his accounts. They accepted these documents without anyone catching the mistake!!! RED FLAGS AIRHEADS!!!

Had a checking in savings account with Navy federal and someone got ahold of my checking account and did some fraudulent and maybe federal close my account but they won't reopen my account and they have all the documents and information.

Navy Federal is ENTIRELY TOO SLOW at paying bills through their bill pay! Nothing gets processed the day you submit a bill, pay request, no matter the time of day you enter it. They seem to wait until midnight the next day to process your request, then seemingly take WEEKS to send a paper check. Even electronic payments take too long to process. I can’t believe they treat veterans and their families this way. This is completely unacceptable. For this reason, for me, they are only good to use as a savings account.

Don't use this bank!! I just called and spoke with Jule in advanced digital services and got yelled at because I wanted to speak with a supervisor. She, by far, was the nastiest bank representative I have ever dealt with. Then, when I finally got a supervisor Clark, he basically said he didn't care and I could write a letter. Time to bank somewhere else. Some place who values their customers. I wasn't even asking for her supervisor because of her. It was because of the bank losing or holding my money from a Zelle I sent. Now I have no access to my fund until they decide I can and they don't care enough to figure out why it is being held. There is no fraud alert on it so no reason it should be held for more than 24 hrs.

I paid off a vehicle and check cleared both the credit union as well as my bank. Nine days later I still have not received electronic title lien release. After speaking with an associate and his superior I was told that I was not eligible to receive the lien release yet that it was their policy to hold both for ten working days even though the check had long cleared both banks. I offered to show them proof the check had cleared both banks. When asked why, there was no reason given except "it's just our policy". Not the policy of others mind you. Only theirs. When you can hold someone's money and hold their paid for property hostage just because it's "your policy" does not make it right. This is bad business! I will never recommend bad business!

I represented a Veteran buyer in a transaction that used Navy Federal where he banked in purchasing his first home. I wrote the contract with a long escrow period knowing that VA can take longer than other lenders. It was for over 6 weeks. All went smoothly until NF went radio silent two weeks prior to closing. I started calling, emailing and texting anyone and everyone two and three times a day for a week, no one returned any outreach. They definitely dropped the ball. We ended up closing a day late and only after they "expedited" the underwriting. This is unnecessary and poor professional service, especially for our veterans. Do not use them. Not worth the stress.

I spent 7 hours working on a transaction for a gift for my mother that has cancer. I called the bank and asked them about making this transaction before I made it. They told me that if I DID NOT receive the items that I could file a dispute. So I listened to them and went ahead and spent $250 on this gift for her. I DID NOT receive the items and so I called the bank and waited for over 30 minutes to speak to someone. I eventually ended up with the nights manager or supervisor named Johnathan.

NFCU is no longer operating with its members' interests in mind. They have single-handedly destroyed to go to credit union for service members and veterans. They will attempt to raise your rates without inquiring as to service status to include removal of federal and state SCRA benefits. If you get a loan through them and your state doesn't do title or registration of a boat engine they will raise your rate to the highest they can after you decline to forge bills of sale for them.

I’ve only been a Customer for less than two years, but I find Navy Federal anything but Veteran Friendly. They took over two weeks to get me a denial decision on my mortgage application while two others Veterans United and Rocket got me preapprovals within two “days”. It shouldn’t surprise me they quickly denied my auto loan too. I briefly filed for bankruptcy when I lost my job during covid, but had the court voluntarily dismiss it when I got a new job. My credit score is 700+, good enough for all other Lenders, but not Navy Federal. Save your time!

I spoke with a representative named Jason today who was very rude to me. There are better credit unions out here than Navy Federal. I'm moving my money elsewhere. They are fraudulent and not honest. They steal money from its customers.

We refinanced our car loan with Navy Federal, and somehow the title was lost, and they raised our interest rate to 14.8%. DMV would not give us a replacement because the old lien holder had to request it. It was a six-month battle, but we finally got it fixed on the 6th of April, and our bill is usually due on the 9th. When we called Navy Federal, they told us since they received it before the billing cycle, it would take effect on our May payment; since it was so close to our payment date, we still had to pay the full amount for April 9th. Well, today, April 29, they said we have to pay another payment at 14.8% interest because they received our title on a Thursday, and the 9th was on a Sunday. Two other representatives told us that our payment would be lower, and I asked are you telling me the other representatives lied to us. The supervisor said no, they must have misread.

RUN, DO NOT WALK, AWAY FROM ANYTHING TIED TO NAVY FEDERAL CU!!! After establishing my account ONLINE, and being emailed my information, including their routing number and my account numbers, I was ALSO sent an email with a link to my debit card information to "begin using it online." Subsequently, AFTER I had already initiated a transfer from an online bank to the account, which TRANSFERRED, AND changing my two direct deposits over to this new account I received an email that I needed to submit my I.D. and a proof of address document online. WHICH I DID 10 DAYS AGO. EVERY time I call I get the same MORONIC responses of "3 to 5 business days," and MULTIPLE "managers" that could not transfer me to Security to resolve. TODAY I am STILL not able to access my "account," and I'm TRYING to get them to REFUND the initial DEPOSIT!! WORST BANK EVER!!

Updated on 4/23/2023: I have to say that I was under the impression NFCU was top tier, but that was not my experience. I found the customer service staff misinformed, combative, and plain rude. I did not feel at any point as though they were reasonable, compassionate, or providing any level of service whatsoever. Moreover, their information was inconsistent and inaccurate. I closed my account after I experienced repeated issues with my account.

Navy Federal told me that I had overdraft my account. Come to find out it was a computer glitch on their behalf. Agent put my money back into my credit card then mysteriously right after he did that they put it in my checkings and then took it out my checkings and so the money's gone. I wrote a letter to the fraud department and so it's almost been a year and I haven't heard anything. When I try to call the fraud department I don't believe it's the fraud department. It's just the regular workers that's working there and they tell me they don't know anything and I didn't send no letter. I will stay away from that company is fraud and the workers that work there look like they hired them off the street because they got a nasty attitude. Guy was laughing every time I was talking about my money like it was funny. I told him I said that if he was in my face he won't be laughing cuz it ain't no laughing matter. That company is stealing people's money.