Navy Federal Credit Union Reviews

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.

Navy Federal has absolutely changed. Today I got two of the rudest most condescending agents over the phone. It’s so difficult for me to even talk about it. I’ve banked with them specifically because my father was in the service, and I believed in their mission to serve service members and members of her family. But when I called to inquire about my transaction. And I wanted to further just grieve the situation not because the agent was a good but the policy of it. The agent took it very personally, and became a victim in the conversation and would not transfer me so I can’t talk to them about an unreasonable whole time on a deposit I had made. See if they wanted to keep my deposit on hold for over seven days when it was just a refund. It was so basic and so ridiculously simple of an issue.

If you aren't a qualified forensic accountant, take your banking needs elsewhere. They're hard to reach, and once you finally do get through, you'll be transferred around often. I do not live near a branch and had to deposit a refund check, and mobile app didn't work, so I asked for deposit slips to be sent to me so I could deposit by mail. 3 times I asked for them, and 3 times I didn't receive them, and guess what, the check's expiration date came- worthless check. The check was only $68 but that's not the point. I'm also a fan of security features, but NFCU's are extreme. Many times I have been embarrassed at point of sale because card was declined, despite my having plenty of money in savings and checking, and credit card at 20%. I would advise my Navy and Marine Corps brothers and sisters to avoid this bank. I thought time would improve things but they've only gotten worse.

As a long time member that has paid off close to $200,000 in loans I am very disappointed. Discover home loans approved us for 3 percentage points lower than NFCU. Saved us over $700 monthly in payment. We had no prior relationship with Discover home loans. We had previously paid off approximately $200k with NFCU, and they refused to match the APR we received with the approval from Discover Home Loans. NFCU does not take care of their loyal customers.

NFCU took nearly 7K from my Savings account without a Garnishment or any phone or mail notification. This was not legal. They had their third party collection agency do that. They never gave me a chance to pay the discharged amount. Stay clear of NFCU. They are a corrupt company.

I recently leased a car from D&M Leasing (which is another story with exuberant fees and commissions). I had the car for 3 months, I roughly paid $6500 down and made payments on time. I received an advertisement from my personal bank, Navy Federal Credit Union promoting an option to refinance my auto loan. Having paid nothing towards the principal so to speak, I filled out the application and was approved. I phoned D&M leasing to get the payoff. Let's say it was $50,000. I phoned NFCU with the payoff amount and to their credit, 2 days later a check arrived addressed to Texas Credit Union (the financing bank for D&M Leasing) for the amount of $50,000. I took the check to TCU and paid off my loan, they indicated that I would receive my title in the mail soon. I did not receive it for 7 weeks.

Talking to branch reps and then the security team about 5 day holds on checks from benefactors that I have several check deposits from before with no issues, they were unable to give me a definitive answer to why. The security department gave info that there is no restriction on my account and there is a person that decides if a check is put on hold, this person that is in charge and gives the final decision on determining if a check is put on a hold cannot be reached and is unavailable to the consumer to provide clarification of the exact issue. Only vague descriptions of problem can be offered and there is no recourse in acquiring a resolution to the issue according to the security department. Personnel were understanding and cordial.

NFCU was proactive in addressing the online issues with me.

Had an account with Navy Federal for years. At least 3 times this year I’ve had my account compromised. Just the other day they closed my account completely down because someone hacked into my account on a computer and took my money. Then they made me pay over $100 back to them because of this. Not only did they do that they took $700 of my money that I sent to my mother. I’m a hard working mom and I can’t believe this even happened to me!! My son can’t enjoy Christmas because of this. I will never trust them ever again. They are scammers and liars.

My spouse and I are both vets. After reading the great reviews, I applied for and was granted a Navy FCU membership for a 2ND home in Florida, however we were not able to access their mortgage site after repeated attempts. I reached Chris at the call center and was advised this brand-new account will be closed and was flagged for fraud because I am not me, or we are not we. What???? Furthermore, the expected wait times via phone for the Security Team to rectify this mistake was nearly 2 hrs. I understand they have a job to do, but we don't appreciate the way it was handled. This account is not even 24 hrs. old and already experienced issues that could’ve been resolved had they simply reached out.

I am a 74-year-old, disabled Vietnam veteran and I rely on my credit in the event of emergencies. After sustaining roof damage during Hurricane Ivan, I submitted an online application with Navy Federal Credit Union (NFCU) for a Home Equity Line of Credit (HELOC). My intention was to repair the roof using the funds from the HELOC while I await my insurance settlement.

I have been w/ Navy Fed for over 13 yrs and never seen this. Someone submitted a fraud claim against the account (online) so that they can get the "Provisional credit" and then transfer to another. I have the card etc, apparently these people did took the card numb digitally and accessed the account by "By passing" the info needed to get into the account for an online fraud claim. (How???) By the way I tested to see what they were talking about and this is not true. You cannot bypass info if you forget your password. Anyway, they took the provisional credit of their fraud claims and transferred it to was a Farajii ** (right away) & attempt to get a loan, of course we don't know this person. We closed this acct and reopened another after the fraud dept started their investigation.

I've just opened the account two weeks ago. Why is my money not available and the site is of line. This is unacceptable for the almighty United States government....I'm a 100% disabled vet and I need my money on time....to pay my bills and support my family.....What's wrong with this system....yet be patriotic....I did that with my service during desert storm...Stop playing with my money....and calling yourself an institution working on the behalf of the military personnel who put their lives on the line to be robbed....not so!!!

I am a veteran of the U.S. Navy and in my capacity as a Naval Intelligence Officer served at seas, overseas and on the Joint Staff during my service in the U.S. Navy. I have been a Navy Federal Credit Union member for roughly 30 years and have always made my payments on time. It has been my experience that what was once great organization and service that was focused on service members has been in decline for several years. I recently closed my Platinum Credit Card account completely after the following event. I fell and suffered a head injury and was hospitalized. From bed, I made my credit card payment the day after the day the payment was due. It took Navy Federal Credit Union 48 hours to process the payment. At the end of the day, on the day the payment was due, and I was in the hospital, Navy Federal Credit cut off the use of my credit card. On that very day.

I was told that Navy federal accepts credits on account before debits. They bounced a check to my rental company because they did not honor this process. When I called and asked them to honor it, they refused. I was very upset because this cost me additional money on each end and a small dose of embarrassment. I expressed my frustration and the following day a second representative called to threaten my future banking with them. This company has gone downhill, not to mention the nerve of them.

We opened a campus checking account for my son who was going to college. As soon as he moved on campus his account was hacked. Though Navy Federal "suspected fraudulent activity" they did not notify us until a week later after thousands of dollars were taken from the account. The branch representative automatically accused my son of being involved (he wasn't) with absolutely no proof. The only way to deal with this was to call their security line- wait times are routinely over 2 hours to speak to a person who again without any information was very accusatory.

If you are a 100% disabled veteran it's a waste of time applying to Navy Fed, especially when they charge you to run your credit report. The reason being is they WILL NOT factor in the tax credit you receive if you live in TX, FL, and other states that allow the credit. They still factor the tax in your DTI even though you will not pay it. So without them factoring it in my payment would be $2,900 with the tax credit my monthly would be $1,900 and under 45% DTI. It is a guaranteed zero property tax credit payment by those states so they are screwing over 100% disabled veterans and losing so much business. So 100%ers don't waste your time and go figure they're supposed to be supporting the military and veterans!

I have been an NFCU member since I was 4 years old. Just in case that matters. I was trying to purchase a vehicle through my LLC with myself as a Personal Guarantor. Since my LLC is brand new, many lenders are not willing to do the loan, but I was told by one of their phone agents in their business solutions dept that NFCU would, all I would have to do is do the loan in my name, apply for a business account, and as soon as that account was created, I could immediately refi the loan under my LLC with myself as a PG. I was LESS THAN THRILLED with the interest rate I was offered since I have excellent credit, but I said to heck with it, I'll just do the deal and at least I can refi it in my business name, at which point I can put more cash down possibly or just pay it down quicker.

I deposited a $5000.00 check into my business account. Said should be available in 2 days. Then I woke up this morning to my account $4585.00 overdrawn. I call them to get the run around stating their security department put an additional hold on the check for another 5 days. I said, "That don't explain why you have my account overdrawn when there was a positive balance when I went to bed last night. And there is no way for me to overdraw my account that much." Oh they credit me the money back to make my account positive, yet they still can't tell me why the check has an additional hold. I talked to the client. They said their account has several milllion in it and we do a lot of work for this company and never had an issue. Call Navy Fed back and still getting the run around. Now I can't make payroll all because navy federal wants to ** me and play games. I'm Closing this account as soon as all my funds are available. Stay away.

NFCU has been our "go to" bank for years. However, these last few months, June/July 2022 their customer service has fallen below acceptable. Getting a representative online has taken me a minimum of 20 minutes and some were projected to be one hour! No call back options are offered either! So, going into the brick-and-mortar bank on Brookhurst in Foutain Valley our wait time was over 1/2 an hour! We came back as we had another appointment and had to wait yet again!

I have been pre-approved 3 times for their flagship card. Each time they have done a hard pull on credit report. When I try to talk to a reconsideration specialist, they insist on messaging them. When I message them it appears they go to their algorithm and no talking to agent.

I have been a member since 2014 and I left active service in 2020. The change in service has been very drastic and disappointing. They are not as forgiving, not as thoughtful, no compassion. I did leave during Covid so maybe that changed their policies. I couldn’t get a loan, my interest rates increased, fees for everything, hidden policies, I felt like I was banking with Wells Fargo all over again. If it wasn’t for my credit I would’ve been left. I’ve been banking with usaa for the past year and I think I’m ready transition because this is unacceptable treatment for a veteran, it almost feels like discrimination.

I’m posting my experience here, in addition to the Navy Federal Facebook page, to voice my concerns that Navy Federal is in urgent need of process improvement to address gaps between their member application and loan application processes. For reader context, I am a joint applicant with 800+ credit, $275k+ income and low DTI, looking to finance a second home. My loan request has been pre-approved and is with underwriting pending home selection.

NFCU IS RACIST against low balance account holders mostly comprised of ** and ** persons. Instead of answering my complaints they blocked me from all contact with them then started stealing my money leaving me with no way to handle this. They blocked my phone number, blocked me from their FB page. Moved me to a different "batch" as punishment to make my direct deposits late. DO NOT USE RACIST NFCU.

Don't come here, I was forced to open a bank here at Navy Federal Credit Union. I am not military, but I would rather switch to another bank because they treat me like crap. My card is constantly used.

I called into the customer service line because I needed to get a rental and left my cards at home except for my Navy Federal credit card however the limit wasn’t high enough to get the car for that many days with the deposit. I called in and expressed my issue and Janel was able to get my credit limit increases immediately. She was awesome and I am very appreciative. Thank you Janel.

Tell you lies, disrespectful, question your integrity. I would not recommend this bank to any fellow veterans. They don't seem to have any integrity at all. It makes no sense to lie. Just be honest, respectful to your customers.

My husband took out a personal Loan. It was immediately approved. Email received in acct. paid a bill. Somewhere after it was removed then given back next day. They tacked on $500 advance and took his savings to bring account back up. Even though they made error they say we are responsible. Never trust when the banker states “Your Money Is In The Acct, you can use now”. We are fighting this.

I would rather bury my money in the back yard. I have reached out by mail, email and phone. All to no avail. They don't seem to be willing to open accounts. They are very good and being rude and condescending and apparently no one wants to do their job. I've tried and tried, I'm done.

I have financed and paid off vehicles with NFCU so I know the process. So when the lien paperwork arrived in the mail, I filled it out and returned it in the addressed envelope provided. About a month passes and I received another letter. I discarded it because it must've been sent in error. Some time passes and I receive another. I decided to just go ahead and fill it out and send it back. Some more time passes I get a notification tag on my door from UPS. I had no idea what it was because I was not expecting anything. Apparently, this UPS package was "signature required" and they kept trying to deliver it within the 9am-5pm work day while I was, ummmm, actually at work! During this time, I noticed my payment had been increased. And after speaking to several representatives, I found out the package was from NFCU. They were trying to send me the title. All they could say was that it should not be "signature required" but it was!!

If I could give zero stars, I would. Please go elsewhere for your mortgage needs!!! The mortgage department is a waste of resources. They will waste your time and money. Do not expect communication, professionalism, accountability, customer service or knowledgeable employees if you do attempt to apply for a mortgage.

The mortgage dept. is incompetent and after you lose $$$$ from paying bills that they tell you to pay.. they will wait a week before you are scheduled to close to tell you they made a mistake and you’re not really approved.. They will not take responsibility at all.. I will tell all my clients and colleagues to be aware of Navy Federal CU .... Save yourself time, money and pain .. Get your mortgage loan someone else!!

I have never appreciated Navy Federal more in my life. They just saved me $500 because they spotted a scam and placed my account on hold. Forcing me to call in, the representative pointed out all the red flags to the person I was sending money. This is who I want protecting my money!

The mortgage officer I had was new and inexperienced. 1st time buyer and it was the worst experience ever. Laughed at. Told to shop elsewhere. And loan officer was in vacation mode instead of focusing on my closing. Unfortunate because I loved this bank I have had a membership for 10 years. Now I don't really trust them. Was told to amend taxes then denied for amended taxes and told different reason for denial. Games played and I was lied to also.

My husband passed of Service connected ALS in 2020. They are no help to widows.. I couldn't even get a credit card.. They are very stringent with wives and widows and I feel very untrusted.. I am moving my savings out of here and just keep a small amount of money. They will say no to everything. I own my home. My car.. Very little debt but it doesn't matter if you are a widow or spouse. Don't ask for anything. It will be NO. My husband gave his life. A 25 year veteran..

Poor customer service....inaccurate charges, and terrible money management. I wouldn't recommend it. I don't feel like a valued customer. There's always something. I've gotten my family members to open accounts and now regret it.

NFCU has been an excellent bank, except for their Bill Pay service, which I would avoid. Bill Pay is managed by an outside for-profit company which services many other organizations and is very difficult to work with. Questions about missing checks, which they show as "paid" but which never arrived, have taken hours on hold with no documentation forthcoming. Bill Pay appears to be a quagmire that Navy Federal cannot penetrate.

In all of my years as a c.card holder and currently 12 major cards, NFCU by far is the worst. When it comes to protecting their cardholder they offer almost none. On several occasions it has been my experience that they require the cardholder to summit unrealistic proof for dispute whereas other companies will normally credit the customer until or unless the merchant in question prove their counterclaim. On this last claim four different dispute agents failed to read previous notes which added to frustrations and difficulties to follow up and resolve... SMH.

Navy Federal helped me obtain a joint checking account. I am a U.S Veteran who lives in the UK. Wells Fargo made me lose my checking account since I couldn't provide a U.S address. Navy Federal appreciate its Veterans, unlike Wells Fargo. Two thumbs up for their customer service!

For the first time in years received a paper payroll check and deposited that check at my local NF ATM. I called days later to see why the full check had not been deposited. To my surprise, I was told a 5 business day hold was on my check b/c it 'looked like it wouldn't clear'. Called my employer, found out that was not true. They offered to provide verification if NF would call them. Then I contacted my coworkers. Everyone in the building had their money except the 3 of us who had Navy Federal. Also found out from another employee who deposited their check days after I deposited mine, they had received their money *the same day*. Their check was more money than mine. How is that possible. Called NF back, no explanation for any of this, just stonewalling. In addition to this, they refused to call my employer to verify the check. This is the poorest service I have ever received from a bank or credit union. NF you just lost a long term customer.

FIRST AND FOREMOST MY HUSBAND IS A 100% DISABLED VETERAN WITH DIRECT DEPOSIT FOR THE LAST 8 YEARS. So it went without question that we recommended them to our daughter when she was ready to purchase her first vehicle on her own. They FLAT OUT denied her when she has near perfect credit. She turn right around and apply with another institution and was approved for over $60,000. Then my husband applied for a platinum Visa with well over a six and a half figure income to only be told they need 2-3 days to make their decision on whether or not do even approve him.

WILL NOT RELEASE FUNDS OR SPEAK TO A MANAGER TODAY. I unfortunately do not have the luxury of direct deposit with my employer. Manual Paychecks are released at 4:30pm on payday. My last payday was Friday, March 25, 2022. That day I purchased a newer vehicle at a dealership and received the loan through this bank. It took well over an additional one hour on the phone and well over a half an hour in a local branch to complete this after receiving a preapproval.

Not sure what the problem is but they gave my husband grief over adding me to his account. Like I'm not his wife. Like I'm not also a U.S. Army combat veteran. Then to make matters worse, when I click for login help they act like they didn't give me a debit card. I used my birthdate and social to try to get logged in and was denied. I tried my husband's birthdate and social and was denied. When I finally got logged in using the credit card info and his birthdate and social all I could do was change his password. I Don't Want To Change His Password! I Want Access To My Account!

My family and I have banked at Navy Federal for over a decade. My partner and I decided to make a big jump to try and purchase our first new home, and were excited to include our bank in the pre-approval process. With excellent credit scores, and high six figure incomes, our only concerns were with debt-to-income ratios due to student loans. After getting underwritten pre-approval with 3 other lenders, Navy Federal's loan representative was too busy to talk, incompetent, and unprofessional in handling our loan file.

I have a credit score over 700. My transparency on this matter is crystal. I have had issues with Navy Federal Credit Union dating back to 2008 and 2009 while deployed to Iraq. NFCU failed to uphold a portion of a contractual agreement. I was forced to pay hardship insurance on my credit card. An additional interest on the balance to cover your expenses incase of a hardship. My ex-wife files for divorce while I'm deployed. NFCU denies my hardship request lying and saying the request has to go through an outside agency. I contact the other company and was told no, I am to go through NFCU. They are the institution that receives payment. NFCU lies and say I denied coverage. As a ** man in America in 2008 and 2009 timeframe there is no denying anything that would fatten the corporate world pockets. Not to mention no factual documents can be generated by navy federal.

Here's the bottom-line of their game: "Lock" you into a rate for 30 days. Drag their feet with requiring the same forms be submitted multiple times, contact by several people besides your mortgage broker, "just one more thing" questions along every step of the process. Then, after running out the clock, "offer" you the benefit of purchasing an extension of your rate lock to continue the process. I've refinanced a couple of times, never with Navy Federal. They were, by far, the worst. I felt like, as a veteran, I'd be treated fairly and respectfully. I was wrong. I can't believe Navy Federal runs a scam. Amazing.

Conditionally approved for a line of credit, charged $570 for an appraisal, the appraisal was more than needed, 4 months later the line of credit was denied for making a few small purchases with a credit card. They are either woefully inept or predatory. They lost my paperwork 3 times, promised an answer in 30 days, took four months. Horrible company, stay away.

UPDATE 2: After spending an hour on the phone with them this morning, I asked for a callback. I gave them specific times when I was available. A "Susan" called me 5 minutes before I had to go into a meeting. She promised to call back this evening and didn't. NFCU is pretty much saying: Go bank somewhere else. I'm happy to oblige.

NFCU calls itself a credit union, but they act like a big bank too big to fail. Their customer service is awful. I had recently moved and was trying to set up deferments on my accounts for the period of my move transferring from a foreign country back to the United States. I was one day late on posting a payment on my signature loan and I was blocked from entering my account. I set up a payment to pay the loan immediately. (First I would like to say, I set up to wire transfer $1000 from Fidelity that should have been deposited the day before, so I could pay my loan and the Navy Credit Union decline the wire transfer, please explain that logic to me.)

I was told I could open a new account because my old account which was in the negative for over 10 years was dormant and I was allowed to open a new checking and savings account. I was excited that I had the chance to get a account again with Navy Federal Credit Union. So, I was told I had to fund my new accounts and I did, then I deposited more money in both accounts. When I tried using my card to pay a bill my card was declined, so I call navy federal and was told the account was opened in error and I told the representative that the money deposited was for my current light bill and water bill and that I would be down to the branch to withdraw the funds. So, before I had that chance to withdraw the funds my accounts had 0 balance and I was told that money was transferred and adjusted to that account I had 10 years ago.

My son zelled me $100 and they shut my account and my debit card off. They also shut my Zelle and did not restore it. I was on the phone for over 4 hours all together and 2 hours of that time ON HOLD!

I always try to make extra payments to decrease interest. Payments come out of checking immediately but never post to loan for at least 24 hrs (or 72 on weekends). Pretty sure computers transfer ASAP.

Unfortunately, they lack customer care. Applied for a VA mortgage-took a week. Called, reply was email. USAA approved, they didn't. They also had "VA required" for a "nearest family member not living with you." Utter garbage, USAA and Rocket Mortgage -- "not required by VA". I checked the VA website and it is not mandatory. Navy Fed reminds me of the old school banks who are grossly concerned with their bottom line, the most restrictive requirements to get a loan, and little to have rates that are comparable.

I will leave separate reviews for other aspects of banking with NFCU but when it comes to business accounts, they're absolutely incompetent. In summary, NFCU is a community credit union that wants to be as powerful as a large financial institution but seemingly does not have a strategy other than "raise rates, nickel and dime". When it comes to Business banking, they're just clueless. They took their personal banking square peg and just shoved it through the round hole of business banking. It's like a cheap fast-food franchise trying to offer an elevated dining experience. It simply does not work. There is no dedicated team of representatives to talk to on the phone and the situation is even worse at the branches.

My mortgage payment is due on the first of each month and I received a call on the 4th asking when my payment will be made and will I pay today. I explained that I have had this mortgage going on 3 years and never late once so why are you calling me when it is not late until the 16th of the month and the payment she called about was paid so she explained that she didn't have up to date info this has never happened before and I made it known that this is very disrespectful and I expect it to never happen again. My payments have always been on time and I am appalled that this happened.

This credit union has a creed about their customers first. I can say this is not true. I was an USAA members switched to Navy Federal Credit Union, had nothing but problems from the start. Set up a direct deposit from my money from VA benefits. Would not let me take any money out even with a military ID and driver's licenses. I had to go home and get a paper bill to prove I live at this address. Which I did when I set up the account, I just wanted my money. Then they locked me out from the online part, still to this day two months now I still can't get online. I keep calling and they tell me they're working on it. YES, I will be closing soon.

I have been with them for 25 years but that is soon to end. After 3 attempts to do a mortgage they did not do any of them, because they can't even compete at a basic customer service level with any major or minor lender. They won't get back with you, they are inexperienced and they do not follow up. The last straw is when they refused to process a wire transfer to close on a loan, because they have exceedingly ridiculous internal controls that defy all logic and reason when it comes to service, but at least they are protecting me from wire fraud. When I am only dealing with another major bank and a title company. This company has really gotten to be one of the worst customer service in the banking industry no matter the type. Their hold times are ridiculous for a CU that specializes (or used to) in remote banking.

I used the NFCU to refinance my house in June of 2021, and it is for a term of only ten years. The amount included monthly was for principal, interest, with escrow for insurance and taxes. Upon this refinance action I notified my long term insurance company, State Farm that their automatic deduction for homeowners insurance payments would be no longer necessary as NFCU would be paying it from escrow. The State Farm agent adjusted the automatic withdrawal to now accommodate six policies on my account instead of seven.

I’m a longtime Navy Fed customer and have all of my personal and business accounts with them, running about 1M through them annually. We are moving to a new state and I’m self employed so I expected a through examination when asking for a conventional mortgage. We own our current residence outright, credit scores well above 800, zero debt, a decade of high income earning and new home was to be a similar price. We were approved in September but ended up backing out of that home purchase after an inspection found significant issues and the seller wouldn’t budge so we found a new home, did another application, paid for another credit check and appraisal and were over a week in to escrow. We made the 1400 mile trip out there and back to inspect the home and all was good to go until we got a call stating our application has been denied because I’m self employed.

Sandra went above and beyond to make sure 1. My rent check was processed. (wonderful service, thank you) She also in detail explained your bill pay service and convinced me to give it a try. In general, Navy Federal Credit Union ROCKS. Y'all are wonderful and will be my family bank as long as possible. Thank you for your service and dedication.

I have been a member of NF for 3 years now. For Checking and Savings accounts they are amazing, but for purchasing a home, PLEASE LOOK ELSEWHERE, it's not their strength. I applied with them twice, the first time, I had to wait for over two weeks just to get a response, then once they finally called me back, I was told "I was approved" then after transferring me, I was told "I'm sorry, you're not approved." I applied again, and was told after a month I was not approved. I decided to go with another lender, got approved, went through the process and closed before 30 days. That was at the end of August of 2021, now it's October of 2021 and I just received a call from NF asking if I want to proceed with my mortgage loan... really?

So my account had a negative balance after I withdrew money at a 7/11 due to me trying to make ends meet. Now I have to pay the whole amount of what I needed and took (the ATM fee, and the overdraft fee). Got an email saying they added funds in my account to get it out of the negative so that I would have full access to my child tax funds. It also said that I will now have to pay the same amount by a certain deadline. I called to get more information and hopefully to settle thing, but was let down. They told me that I had to pay back the same amount that they put in to match the negative in my account, that I withdrew, that THEY had already deducted from my child tax deposit credit. Smh. This is SCAM on a whole other level. So you’re telling me that you already deducted the amount from my child tax, and I still gotta pay you the same amount??? This is beyond ridiculous.

I have been trying to set up a biz acct. Lori, Karen and everyone on the biz side refuse to set this up on the grounds that it is "high risk," yet, I was able to have a personal acct w/ them and do it anyway. (The only difference being that I am trying to get tax deductions through a biz.) I've been accused of trading bitcoin, being a brokerage firm (and all other kinds of terminology that these slow bankers don't know) to justify denying me this biz acct. I never told them I was trading crypto (and even if I was, they wouldn't know because it doesn't go through them.). They say that there are G-14 classified documents that I can't see.

So I ordered a gift card on September 7, 2021. I was told it would take up to 10 business days. I called them on the 21st to tell them it never came in the mail. They said they could not investigate what happened because they need the card number. How can I give them the card number when I never got it?! So I contacted another department. They said they would open an investigation. Meanwhile, they would give me the 100.00 in my account provisionally. Here it is Oct 17th. No money in my account and no gift card. I called and they have no note on the case or updates. They claim that they never promised the provisional money either. And that it could take 180 days to investigate!!! 6 months!!! Terrible service and they are incompetent. I will be closing my acct tomorrow.

We were excited to purchase our first home with Navy Federal. The rates seemed very good and online reviews from sites like NerdWallet rated the credit union highly. We should have looked at customer reviews of their mortgages, as I guess they are notorious for poor customer service and delays in this area. Our personal customer service experience fell short twice. The first time, our home builder killed himself, terminating our purchase contract. Navy Federal refused to refund our $1200 rate lock for weeks until they finally understood our purchase contract was void (several frustrated calls and emails later).

I am currently awaiting a decision on a claim. Navy Federal stated they needed additional info on 9/30 so I went in 10/2 to a branch to give more information. Up until today 10/12 there had been no update about the information I relayed at location. I spoke to rep named Supv Heather this morning who told me there was a policy about verbal communication not being accepted for claims but could not provide a single reference. I am tired of opening a claim watching my account in negative while Navy Federal does nothing. Bad for business and bad for financial health. I didn't get a follow up about my dispute in secure message until after I called to follow up. The audacity of it all. I gave them a case # the company gave me for all the documentation and they still asking me for more proof. Just horrible and arrogant and it's time to move my money.

I recently opened a personal checking and savings AND a business checking and savings. This is not my first business, but I didn't want to use a big bank this time, and expected quality customer service and more of a small town bank feel. Unfortunately, that has not been my experience at all. Opening the business account was a headache, because they essentially make you do it online, not in the branch. I immediately had issues completing the account opening and accessing the accounts online. I was then told that deposited checks would be held for anywhere from 2-5 days for the first 30 days, but then they wouldn't be once the account was more established, which I found acceptable. The problem came after that point, when the local branch would always put a 2 day hold (not what I was initially told, but I can handle that, so no big deal) and then their back office would extend that hold without any notice.

It took 90 days to receive a decision. Loan Officer Andrew, BEWARE! Andrew attempted to charge me $600 for 2nd visit appraisal. Had to speak with supervisor to get correct cost $175. Andrew is unpleasant, poor customer service and unresponsive. Experience reminded me of stories told about lenders who discriminate in ** cities and neighborhoods. Supervisor took responsibility for appraisal cost scam then tried to give lower rate to smooth over incident. Then denied loan for LTV. This is a home without a mortgage or liens. Recently remodeled. The entire interaction with Navy Federal is suspect.

The Credit Union took money from my rent checking account for a late credit card payment. As soon as I saw the account was short $132, I called to talk to a representative that reassured me twice that the funds would be reverted back the same day. I check my account today and noticed a return check fee, part of the rent money still in the account, and to make matters worse the property manager pulled up while I am on the phone with a representative. I am livid about how I had to hold for 25 mins for their mistake.

Many years ago, I really loved Navy Federal Credit Union. I recently decided to leave big banking and take 2 very large accounts back to them. I am no longer active duty, but a veteran who was actually proud to be returning to do business with them. There is no way to express just how completely stunned, and disappointed at my experience over the last few months. I have not had a working account yet, all due to things that hsv3 been completely out of my control, and through no fault of Chase, which is one of the banks I was transferring from.

Third VA loan with NFCU. Husband is retired military, 22 years, a member of NFCU for 36 years. This loan application has been a nightmare. They keep making mistakes, passing the buck to another person, then moving the goalposts, then blaming us. We’re three weeks past the original closing date. Supposed to clear today, then nothing. Crickets. Horrible experience.

I opened a business account with Navy Federal 5 months ago. It has been the worst experience of my life for owning a business. I am absolutely canceling my business with Navy Federal and opening with another bank. They put anywhere from 1 to 5 day holds on checks as small as $800. There's no way around it. You can't sign up for anything extra or change anything or do anything. It doesn't matter how good the check is. It doesn't matter about anything. I'm trying to build my business without using credit and being beholden to some crappy Bank like Navy Federal. I don't want to owe them no 18% interest on credit that they ** give me. It's **.

My wife and I want to use my VA housing loan and decided to use NFCU. We sent in the required $25 and a complete application to include uploading all required ID and proof of residency. One month and 4 phone calls they haven't.

I have been a Realtor for over 20 years and NEVER have I EVER had such a horrible experience with a client getting to the closing table. Our closing date has been changed THREE times. Our loan officer has also been changed THREE times. I have NEVER talked to someone verbally. No one will return an email and I still don't have a direct contact for anyone. This is a nightmare! I had to google an 800 number to try and find out the status of this loan. BEWARE!! I still have no idea what's going on.

I open up a Navy Federal Credit Union account on June 2021 and I applied and was approved and the security dept send me out a debit card and new account numbers. Within a month my funds!!! And my credit cards were frozen for fraud!!!! And the security dept is asking for documents over and over and I did what they told me to do. I sent my brother driver license and mine's because my brother banks with Navy Federal Credit Union but the security didn’t accept that document.

I have been a Navy Federal customer almost my entire life. I've had checking, savings, credit cards, auto loan, you name it, and have had an amazing experience with these products and the bank's phenomenal customer service. Of course I, incredibly incorrectly, thought I would have my home loan with them. I applied for a mortgage pre-approval with them and the process was an absolute nightmare. I have great credit, a great paying job, and more than enough saved for a 20% down payment on a home in my price range. My issue was apparently my student loans and my debt to income ratio being too high because of a mandatory 1% imposed by the bank as my calculated payment amount, even though that was not even near my actual payment.

BEWARE!!! Worst experience EVER! It seemed not one person had a clue of what they were doing. We had 12 different people touching our loan and keep getting the same questions over and over. I almost ended up in the hospital with the stress level they put me through. They waited till the last minute (60 day in and 2 days till close date) to even start asking for things. They will NEVER call you back and if you receive an email then you're a lucky one! Alexis ** was the processor, it was like talking to a cactus. Zero care at all for you, you are a number. Horrible!

I have banked with NFCU for over 15 years and they no longer take care of their customers.. I recently sold my house that was financed through Navy Fed and deposited a certified check from community bank I put in my account.. I called four times before depositing the check and was told 4 times I would have my money within 2 business days and after the check was deposited they put a 9 day hold on my check and I now don’t have access to my money.

Wait six Months for refinancing my home. Eventually, I End up withdrawing the application. Then, I apply for a mortgage pre-approval letter to buy a house then they cancel the application because I requested as per the customer service agent. But I never sent an email asking that. The agent scream at me over the phone, saying that I did that. Lately, it has become the worst bank. Maybe Everyone is overwork.

Navy Federal's Advertisements state that it is a resource for Veterans and their families But, it seems to cause more harm than good. I started my loan process back in March. I was very proactive asking what else do I need to do. I don't want to lose a home because my paperwork can't get completed in time. I finally got a contact accepted in June. Well needless to say the Mortgage loan officer was unresponsive and unprofessional. I sent an email and called asking for her to call me and after 2 years she called. I emailed her supervisor and he responded after I posted a message about the situation on social media. He supported and made excuses for her responses, rather than apologize for situation. She proceeded to say that I would not be able to close for 35 to 60 days.

Navy Federal looks appealing upfront, They suck you in with attractive rates and low fees, but don't let that fool you. I'm in the middle of a new home purchase loan and the process at NFCU is atrocious. My closing date has been changed twice, and they want to push it again. I am in jeopardy of losing the home altogether. There is very little communication from them....I call, email, leave voice messages and get nothing in return until right before a deadline. I was in limbo for three weeks and was eventually told my loan processor quit and my file was misplaced. Really?

Representatives are knowledgeable, always willing to work with you to resolve any issues. I've been with Navy Federal for years, and I plan to stick with them as long as possible as long as I keep receiving the awesome service that I have been getting.

I just love Navy Federal because of the professionalism of all the associates. They are helpful and have a great understanding for all your banking needs. Whenever I called their response is right on it.

I have been a NFCU member now for over 20 years and cannot say enough about how wonderful they have been. Just recently someone had gotten my credit card information and was charging stuff left and right on my account but thank God NFCU noticed the charges way before I did and placed a stop on all charges to my account and then contacted me to let me know. I have since gotten a new card and was not responsible for any of the charges that were made on my account. I am just so thankful for the great work the NFCU representative did to get me all set up with my new card and assure me everything was good to go and all the charges were cleared against me. I just cannot say how The NFCU team has brought me peace of mind. I recommend them to everyone.

Navy Federal is the best financial institution. Their products are great and low interest. They treat their members like gold. Their dispute process is great! The staff is great. They offer great services!

I have been a member of the NFCU for over 40 years and they have always provided the most professional and wonderful service. With facilities worldwide and stateside I could not ask for a better bank.

I have been a member of NFCU for over 40 years and have always experienced fast, friendly and responsive financial service whether in country or internationally. I highly recommend joining NFCU if you're in need of a financial institution and are eligible.

The process of transferring money through Zelle is extremely slow. I have had a problem where the person is transferring me funds from their bank (Chase) to Navy Federal Credit Union through Zelle and I did not receive my funds until 3-4 business days later. That is ridiculous!

I would have given them a 10 as that is how great the CU is...They are seriously geared towards customer service and their members are number one. I have been with them for 6 years now and I am so glad I switched of crappy BOA. BOA doesn't give one rat's butt about their customers. Navy Federal goes out of their way to make sure you are happy and well taken care of.

Always offering special rates on loans and CDs. Very helpful with any banking problems that you may have. 24 hour phone service with live representatives who are very knowledgeable and able to immediately handle your problem

I like that they have fingerprint and face recognition when signing on and dual layer protection when signing on with other devices like my tablet/computer. It gives me added assurance when I log in. If I know a pending deposit is waiting to post I can go to their online calendar to see what day it's going to post to my account. Everything I need is easy to navigate to on the app and online. I'm a very satisfied customer of Navy Federal...they helped me with guidance to help build my credit and my rep offered to let me call him during that time with questions, which I did a couple of times. So glad I found them!

I called to dispute an unauthorized charge on my debit card and they wouldn’t do anything about it. The rep went so far as to tell me that fraud charges are acceptable even though my debit card was set to frozen.

After years of membership with NFCU, I have a DDA and Credit Card with a generally high credit limit of $20K and $6k credit cards and a high balance of DDA accounts. On 05/07/2021, NFCU decides to close all my accounts without any problems and refuse to pay out my DDA accounts available funds of about $50K. Lawsuits have been filed already. The financial institutions decide to take your money and keep it. I AM NOT RECOMMENDING TO ESTABLISH A RELATIONSHIP WITH THEM. If anyone has a similar problem and try to do something contact me. I am working on the class actions lawsuits as well. Furthermore, if you do your research against NFCU in the Court System, you find multiple cases against them.

I was preapproved by them 2 months prior to paying to travel to another state to check out houses. Found a house within my preapproval amount and came to a buyer's agreement. Paid to have an inspection done on the house. All information and documentation was provided every step of the way to the bank. My loan officer would not contact me regardless how many times I called, emailed or texted. I requested a new loan officer based on that. 2 weeks after I requested a new loan officer (no follow up call from the bank) I received a letter stating I was denied the loan. It was originally approved over 2 months ago. I am very upset with how poorly their communication was and how they wasted my money, my time and the time and money of the realtor and the sellers of the house. I highly recommend, do NOT use them for your home loan.

We were not pleased with the service. The customer service with the lender is not good. They say they will do something and don't. They say they will process the paperwork and then called back and asked for it again. They call and do not follow through with what they say. Very unprofessional. Would not recommend them to buy a home.

I'm a ** disabled vet and been a member for around 5 yrs now. Initially when I tried to join Navy Federal Credit union, I was not approved. On my second attempt I got in and bought business from my wife and children. After awhile I was having financial problems, but still paying my bills on time. So I was forced to file bankruptcy in 2017. Before I filed for bankruptcy I tried to refinance my home to try and avoid bankruptcy with Navy Federal and was denied. I was very disappointed because I had a pretty good credit score.

I am a veteran and have been a loyal customer of NFCU, including have multiple mortgages and financial accounts with this lender. Until now. Shop around for other lenders. Not only is their system full of glitches (with results and recalculations happening all the time!). There is no process for internal communication, so that you cannot talk to one representative who will give you a consistent answer. A straightforward refinancing for a single family home with a mortgage currently managed by NFCU took six full months along with so many mistakes. Even the Title Company suffered from all of the mistakes and incompetence. PLEASE shop around. This is not the competent credit union it once was.

I purchased my house through Navy Federal and had an irritating time the first time and thought that it may have just been the loan officer I worked with. Decided to refinance for a lower rate and it’s still lousy communication. Unless you have a Branch close to you where you can physically go speak to them I would avoid financing with Navy Federal. I don’t usually leave reviews but hopefully this helps some other first time homeowners avoid the hassle of dealing with loan officers that have no interest in actually helping you through the mortgage process

Been with them since the military for over 10+ years. Got most of my mortgages needs through them every time I needed to get one. Pre-covid they were awesome. But now.... I don't even know where to start, from the lack of communication that spans for 4 weeks before I get any reply to the 4+ month of delays on the refi. Let me clarify, they literally have a perfect, nothing missing, loan documents for the refi application and I got the pre approval to move forward. Got everything done including the appraisal and inspection 3 months ago. All throughout the application process I get maybe 4 response from them, rest of my email are ignore for months.. I should've came on here before I apply for the refi, could've gone to a local credit union and have a way better experience than this.

Rates may be good. But the customer service is horrible. It takes a week to get a call back. The only time that I received a call is when after about a week, I will did the application again. Got a new loan officer, then the Prior one, would realize that they are not going to get my business. The customer service agents that connect you with the loan officers are nice, and try hard to solve problems. But, I don’t know if the actual loan officers, are contracted or what, but they need proper service skills. For her privacy, I’m not putting her full name, but R. ** was so rude on the phone. I decided to go with a whole different company.

I would not recommend to go with NFCU for your mortgage needs. They cost us a lot of money and time. They made good promises for about 5 weeks and then deny the mortgage at the time we could not get our deposit back and left us no time to shop anywhere else. So we lost the house we want to buy, lots of time and a large deposit.

Military spouse who is self employed. We were pre-approved and went forward with the process of buying a house. We provided every document they could have needed to show income but they acted like I lied and only made 1/3 of what I actually bring in each month. The underwriter clearly didn’t look at the numerous documents we provided. Bye NFCU. I’ll be moving both my personal and business accounts from you too. Sad, I figured my own bank would have taken care of us better. Going with another lender now who knows what they are looking at.

I had the intention to refinance my home to pay for a heating and air conditioning unit. NFCU insisted it would not be a problem. After 4 months of being ignored, the lack of communication and professionalism inadvertently lead to the fail of my refinance. They really dropped the ball. I have great credit and a good source of income, there was no reason for this to take so long and and for it to fail. I will not be giving them a second chance and I will be closing my account with them.

Navy Federal claimed my account had been compromised. Not true! They froze my account and made it impossible to re-open by setting unattainable verification tasks. It's not humanly possible to jump through that many hoops.

I recently opened a account with NFCU. I tried to use my debit card and it declined. So I looked online to see what was going on only to receive a message stating, "Please call this number. You only have access to statements." I called and was transferred to the security department after waiting for about an hour. The rep asked me a few questions like why do I live in Arkansas and work in Tennessee. I told her all of my jobs were in Tennessee. Tennessee is the neighboring city to where I live and why should that matter. Then she wouldn't give me a reason.

NFCU is a racist organization that falsely claimed a lower credit fico score than it is. Their racist loan questions are a violation of the fair housing act. Their credit score was 80 plus points below what we were actually looking at while talking to an incompetent loan officer. Their questions about race are illegal as I am a licensed RE broker and violation of Federal law.

We took out our mortgage with NFCU in 2017, and had nothing but good to say about them. But tried to refinance in 2020 and everything has changed. Believe the negative reviews, they hold you up and there is no way of getting in contact with real people. Just look around their site. Try to find a place where there is a phone number to a human or an email address. It doesn’t change after you apply. You are left in the dark waiting on information from people you have no way to contact. PreCOVID you could walk in and talk to people, but since you can’t anymore, there is no accountability as they hide behind the excuse that the demand is high. We applied in mid November and in mid January have yet to receive a single email or phone call from our processor. I have a feeling we won’t end up finishing this refi with NFCU.

Yesterday, while attempting to make a cash deposit at Navy Federal Credit Union located in Laurel Maryland, I experienced prejudice, intolerance and embarrassment. It was 38 degrees as I patiently waited in the entrance line forming down the sidewalk. The line moved fairly consistent so it wasn’t more than 5 to 10 minutes before I was invited to walk in.

Great folks to work with, always willing to help. Whole process is extremely easy, from start to finish. Repayment plans more than flexible enough to meet my need in these ever changing times of uncertainty.

I have been a Navy Federal customer for almost 20 years. They were my first and only choice when it came to a Home Loan. I wish I had believed the reviews here. Like most of the reviews when my Loan went to the Loan Processor everything went to hell. I started my application towards the end of May with a desired closing date of July 15th. Loan # **. I spoke with my Loan officer (Ronja **) on the phone, she was friendly, great and we received our Pre-Approval quickly. At first I went with the Realty Plus program that they offer, but we were not assigned a real estate agent until 2 weeks later, I missed out on making offers on all of the houses on our search except our last choice.

Absolutely horrible experience. We trusted NFCU as we would trust our own military. In other words, we expected honesty, reliability, and for them to honor their word. We begin our refinance in September 2020, got approved, and submitted all requested documents via Home Squad (online). For weeks we sat in limbo with the message on the site remaining the same - our loan was “in review” and if anything else was needed, we would be notified. I reached out to our processor for updates via phone and email now and then, but remained in a holding pattern.

Been a member since 1998. NFCU has always been great to me. Other than the pandemic, I don't know what happened. I started my mortgage refinance 4 months ago and haven't heard any responses to emails or phone calls since mid October. Our anticipated close date is quickly approaching but, like others have mentioned, I don't anticipate it happening on time. If it doesn't I will most likely cancel the whole thing and find another lender. I would recommend anyone else looking to refi their mortgage to look elsewhere also. I know others are still closing in 30 days according to friends that have refinanced in the past few months.

I've noticed a lot of negative reviews regarding Navy Federal Credit Union home refinances. I wish I had read them before I started my loan. All the Negative Reviews are very true! Do not refinance your loan with them. They warn you that there will be delays but give you no time frame. I am in my 7th month and it's still not finished. And my loan is easy. My current loan is with them, I have an impeccable credit score with little debt and an enormous amount of home equity. Communication is extremely poor! You're just told that your loan is still being processed. Run, run from NFCU as fast as you can!!

Two days ago I submitted an application to open up an account and it was approved. I then later learned from them that I opened a fraud account. I called the number given after waiting for 20 minutes. I was Advised that they would send me a form to file an appeal. First of all I am an honorable discharged Vietnam era Navy Vet. I am also retired (30) year state Probation/ Parole Officer. Although I am retired, I am also a bonafide business owner paying taxes. This organization would not even tell me what caused the problem. Do they really think I want to do business with them as a result of all this?

Horrible customer service from this branch manager. I've had this account for 20 years and cashed the same check as direct deposit for 4 years. I call NFCU to let them know I need to deposit my check faster than the 2 day hold online. The representative says go to a branch for immediate available funds to cash my check. I drive 150 miles to the closest branch and the manager puts the same 2 day hold on my check as if I was online!! No exception for driving/living 150 miles away from nearest branch. My bills are being returned and NFCU is taking their fees out off my account but refuse to cash my paycheck!! Evil! They just want to make money off of veterans and active duty. As soon as, my check clears I am getting away from this company, I am taking my business elsewhere. "military friendly" company is A LIE! l. DO NOT USE NFCU. Go to your local CU. These guys are not pro-military.

I have been a member of NFCU since 1995. I have never had 1 problem with them in 25 years. So this year 2020 I decided to give them a shot at a Refi using the VA IRRRL. I was told up front that the process would take at least 120 days due to the low interest rates and high volume of applications which I expected so I have kept that in mind throughout the process.

NFCU has provided me with superb protection, all the way to sending me text messages and emails alerting me of questionable activity on my account and preventing anything that does not have my approval in real time.

Navy Federal gave us an excellent rate, they worked with us to get everything done quickly as the seller was in a hurry due to having already purchased another home. Closing went smooth and seamless. They were available and able to answer any questions and concerns we had along the way. I was very pleased with the experience overall. Buying a home is a stressful experience, and they made it as stress free and seamless as anyone possibly could.

Navy Federal credit union is horrible. Beware of them. I have an auto loan with them at a 2.89% rate. I decided to refinance it 7 months later to get the 1.79% rate that they advertised. They refused. Even though my income has increased and my credit score is very good, they refused. But remember, they were quick to loan me the money to purchase. They are also quick to refinance loans from other lenders as you can find on their website. I'm extremely disappointed. They claim they take care of veterans but really it isn't true. BEWARE OF NAVY FEDERAL CREDIT UNION. IF YOU HEAR OR SEE THEIR COMMERCIALS ANYWHERE, PLEASE RUN.

I started my Mortgage refi with Navy Federal on March 11, 2020. I made an appointment at the branch and provided the documentation they required and it was scanned into their system. I have had a very positive experience with my banking there so I never thought the Mortgage experience would be any different! Problems started soon enough with HomeSquad (online where you can electronically sign your documents). It wasn't working in most cases and the system kept asking me to sign the same documents over and over. My first processor was nice enough but after a month I was transferred to someone else. Finally after 2 weeks she called me at 4:30 p.m.. She sounded incoherent and never faxed the papers I couldn't sign online. Another 2 weeks goes by and I am Very unhappy and I ask for another processor. After trying to deal with her I now realize that these processors don't know what they're doing!

I have been with Navy Federal for 5 years. I am very satisfied with my accounts, the customer service is outstanding and I’ve never had a problem when it comes to questions about my accounts. I highly recommend this credit union.

NFCU is completely online, until you need help, then the incredible customer service crew takes charge! In one phone call, questions are answered, problems solved! They have branches near bases, I’ve never used one, ATMs are everywhere! Love it!

I am a 20+ year member of Navy Federal Credit Union. I never review anything online but have been so rudely treated by the mortgage process at NFCU that I would not recommend it to my worst enemy. We had over 45+ days to close so this was not a rushed case. We submitted all paperwork within hours of it being requested and the process came down to the wire on their end and delayed multiple times which ended up with us homeless, but the worst part of it was the lack of communication over the process and disregard for what was happening. They never communicated any problems with the loan. They simply let it go past closing. Anyone will tell you this process in the best of cases causes more anxiety than one person should have to go through and with NFCU I feel like I lost more than 10-years of my life due to the amount of anxiety and stress. I suggest other lenders.

International access (with a REAL PERSON) 24/7, and a HUGE selection of products and services! They have really GREAT rates for savings and loans, a large selection checking and savings accounts, multiple mortgage options, credit card options, certificates and IRAs, and lots of additional services, such as auto-buying programs, frequent promotional rates, financial counseling, and other personalized services. I've been with them for over 40 years, and they've always treated me well!

With the world events that are occurring I do notice that depending on which day I go, I receive different levels of customer service. With certain door checkers I get treated in more concerned, while others are more hostile and can tell they are extremely uncomfortable being at work in the first place. Overall there is no such thing as perfect.

Easy to open an account, great customer service. Access to many locations. Consideration for the current pandemic and its repercussions. Good Interest rate on loans and credit cards. Accommodations for the military personnel it serves.

When I needed a second chance at getting my credit back together, Navy Federal gave me a chance. Because of this credit card I was also able to acquire another line of credit. I asked for an increase and it was granted as well. The customer service is great and 24hrs even during the Covid 19 pandemic. Hands down my best experience with any credit card I have ever had.

I've been a member for over 30 years and they have always been there for me and my family. Be it checking, savings, car loans, mortgages, CDs or credit cards, the service has always been honest and good. I would recommend them for any military family.

Have been a member of NFCU since 1966. No bank or other credit union can match them at any level. That includes interest rates, ease of doing business & no transaction fees. Banks charge for about everything. This CU is better by far!

Applied for mortgage loan. Document upload site is called Homesquad. It rarely works properly. Upon telling loan officer about upload problems, rather than suggest a solution, he told me repeatedly to click a nonexistent button on the site, never grasping that the site doesn’t work. Finally emailed docs to loan officer. Beware the “float down” sales pitch, as NFCU rarely adjusts its rates unlike other banks. False advertising by loan officer regarding this minor detail. Communications are strained or nonexistent by the loan officer, processor, and even the Supervisor upon complaining. Finally, after repeated attempts by me my realtor and the sellers realtor to contact NFCU and ask for status updates due to the contractually obligated deadline that had passed, NFCU staff failed to provide any useful information and brushed it off. NEVER USE NFCU FOR A MORTGAGE LOAN!

Mortgage process horrible, from start to finish. You can never get a hold of your loan officer. I get a pre-approval letter. I get a accepted offer, but backed out because of inspection. I got the price down 12,000 less than my pre-approval. I signed accepted offer & seller is asking for 1,000 earnest money. Loan Officer even asked for appraisal money the 1st time, now her supervisor tells me I'm disapproved? I'm waiting for the letter to why, meanwhile I'm supposed to close on the house in a week, and maybe reliable for the earnest money of 1,000 dollars. I should've went Veterans United!

I've been a member since 2008. I never had any problems that was not solved promptly. My mortgage is with Navy Federal and I got a very good rate with no problems. The cashiers are courteous and friendly. Online banking is easy and customer service is great. I would recommend any eligible person to bank with Navy Federal.