Navy Federal Credit Union Reviews

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.

Every interaction with Navy Federal reps has been positive. Reps are well trained, professional and helpful. Navy Federal was willing to handle certain issues over the phone when my previous bank required an in-branch visit.

The best C.U. there is! They offer ATM fee refunds up to $10 per month and have raised the ATM withdraw limit to $1000. Always thinking of their members. Easy to join and enjoy their benefits. When I opened a business account with them the assistant went out of her way to see that everything was just right for my particular situation.

Navy Federal Credit Union has been a top rated institution since joining 3 yrs ago. I had a bank that charged me for everything, but Navy Federal Credit Union doesn't charge all of those fees. I'm really satisfied with their services.

I have been with Navy Federal for 15 years. They have denied me a car loan, and given me personal loans at horrible rates. My credit rating is incredible, yet I can't help but notice one thing I keep getting flagged on: young account. 15 years old, YOUNG?? Finally, they blocked my car just because I was using Google pay. I am done with Navy Federal. They are just as abusive towards veterans as the VA.

I sold my house and purchased a new home in April during this pandemic. My previous mortgage company was SunTrust and I decided to go with Navy Federal. I was little put off by all the reviews but it was a great experience and better than my previous one. Everything was done online, but I still had a great contact and follow up with the Navy Federal Team. Everyone followed up timely, provided great explanations, and guided me through the process. Even the underwriting team was wonderful which is not a typical experience. I cannot recommend them enough. The portal for loading and receiving documents is easy to understand and very detailed. The support was great and I even had follow up calls after hours. Definitely A+ effortless experience.

We have 5 accounts with NFCU, personal, business, credit etc.. Went in to my local branch yesterday *Bel Air* after being shut in for 12 weeks, so it was a necessity, we are running a business... Long story short.. the door was locked, they didn't want us to come in, they let 1 person at a time.. I was asked what I wanted, and The response I got was "use the atm"! "Excuse me, no.. I need to come inside".. If you are this strict, how about state that on your website??? After all, even the grocery store lets 10 people in and have smiling faces, this lady acted like everyone is getting on her nerves.. It's our MONEY??? Last time I checked??!!

Do not go to NFCU for mortgage loans!!! They advertise rate match but no one goes out of their way to get the rate matched! They use all sorts of excuses to explain why they failed as if they don't want your business. Go to Prosperity Mortgage instead, you will be glad you did!!!

Highest rates, horrible customer service. As soon as I can get away from this company, I am taking my business elsewhere. I'm active duty, almost 14 years, never dealt with a "military friendly" company like this one. DO NOT USE NFCU. Go to your local CU. These guys are not pro-military.

I applied for a credit card in January 2020 before all of this pandemic stuff start going on and I was shockingly approved for $9,700. 3 months later in April 2020 I got a email from NFCU saying that they were automatically raising my limit by $500 bringing my credit line to $10,200.The next month in May of 2020 I applied for a pandemic relief loan and was approved for $5,000 with a very good interest rate and option to pay back over 2 years. My credit is not that great 580 Equifax to 650 Transunion. I do have a recent bankruptcy from 4 years earlier in 2016 and they still approved me for everything above. I really like this credit union because they really try to satisfy the customer's needs, and thankfully to God at those times I was the customer whose needs they were meeting.

I have been a client of this bank for about 5 years, I pay monthly all my bills and don't bother them. Covid-19 hit and I was laid off my job, I found another that paid about 80 percent less and am barely getting by with it. I called asking for an extension on my credit card for 200 dollars so I could pay my lights and get food for me and my child. They declined and declined a pandemic relief loan. I cried and begged them to help and they could have my full 300 dollar check come a week from now. They still declined. This is a bank who is denying assistance to starving, struggling members amid a pandemic they did not create. They do not care. They will not help.

I should've known we were heading for trouble when the Buyer's loan officer began our conversation by telling me all the things her company couldn't or wouldn't do. "Our loans are taking a minimum of 60+ days to close!" she relayed from her script. "Thanks!" I replied. "I look forward to working with you too!" Back on February 20, 2020, one of my Seller clients (a nice active-duty Navy family) went under contract with some Buyers who also happened to be an active-duty military family. The Buyers were using a VA loan through Navy Federal Credit Union. Our transaction was scheduled to close by March 26th. We navigated through the home inspection, which revealed that the roof was at the end of its effective service life and needed replacement. Several qualified 3rd party contractors confirmed that assessment, and the Sellers agreed to have the roof replaced prior to closing.

Take it from me! Do not ever do a overdraft or line of credit that they call it with Navy Federal. It is my fault but when you need money and help because you're down and out and struggling you have no choice but to go to a bank. I have been paying on this line of credit since I was 18 and today I am 27 years old. No matter how much you pay Navy Federal charges 71.25 for a finance charge which is ridiculous. To be honest I will never be able to pay this off unless I hit the lottery and that is the truth.

Due to Covid-19, I recently lost my job, withdrew my retirement account just to pay off the balance on the line of credit checking with NFCU and learned that NFCU only cares about charging their members interest during this unfortunate time. A customer service representative who handled the COVID-19 member assistance offered me to open another loan account with low interest. Unbelievable as we are not in this together since NFCU only cares about making their profits even when all of us are dealing with the horrible pandemic.

First off, I see a lot of bad reviews for the mortgage process with NFCU. I also see some good reviews. I wanted to offer my experience that I went through before I completed my refinance on my home. It’s was not all good, but not all bad either, but in the long run I was happy and satisfied with what I received, which is why I gave a 5 star rating.

How a company with 1 and a half stars overall on this site can get first 5 reviews on this site at a perfect 5 stars tells you a lot. The bad reviews are the same problems I had 2 plus years ago when I first signed up with them and applied for a HELOC, Home Equity Line of Credit. They still haven't learned or refuse to correct their mistakes and keep making them. A recent call confirmed they're the same horrible customer service when a Representative decided to argue with me over the phone. He wanted me to put my concerns in writing...I'm now doing so, but not for them as I'm supposed to be recorded. Doubt it. They are the worst credit union in the country and all you have to do is look up their reviews. Do it.

The ABSOLUTE WORST EXPERIENCE with Navy Fed refinance/mortgage/loan department I could have possibly imagined. We started the refi process in October 2019 with a 60-90 expectation for completion. After 4 loan officers, several times resubmitting our paperwork because they kept losing or misplacing it, paying for an appraisal, paying for a termite inspection, two credit checks later because they took so long to process our loan that the first one had expired, so many phone calls with no response, waiting, waiting, waiting not to mention the lack of availability of the loan processing department to even discuss our refi....

NF really hated their 1 customer, the military. I know this because when I deployed last year I had a crap experience with them. I contacted my lenders and every one of them adjusted my rate to be in compliance with the SCRA law except one. Yep, you guessed it, Navy Federal. I called them over 10 times and emailed them 23 times to correct but got no ones here during the entire deployment. When I did get them on the phone l, they said they were " seamoed" and didn't have enough help.

NFCU was outstanding! As a US Navy veteran, I was very pleased with the professionalism of the loan processor department. I and my wife filled out the paperwork according to their instructions-which they communicated very clearly and within a week we had a new mortgage. Much, Much better than TIAA Bank (which was terrible in my opinion)! NFCU offered better rates and less hassle!!

I am always wary of negative reviews for any product or service. I will start by saying, I never write negative reviews - ever. I just went through a terrible experience with NFCU for a refinance and want to warn anyone else considering it. I have excellent credit. Have owned my home for 10 years with NFCU holding the mortgage. I have never missed a payment and have an excellent loan to income ratio. I applied in January 2020 for a refinance. Over the course of January - March I have been extremely frustrated with the communication or lack of from NFCU. NFCU uses 2 applications for their mortgages. HomeSquad and Document Delivery. These two applications do not talk to each other. They send conflicting information via emails on a daily basis.

No special offers to veterans. Not even a better interest rate of the loan, no different from other lenders though some lenders have better offers. Their customer service is as bad as their interest rates even with a good credit score.

We used to have TIAA Bank as our mortgage lender. I didn't like them! Their system made it very difficult to pay the bill and communicate effectively with them. My husband served in the US Navy and when he contacted NFCU, they made things easier for me since he gives me the $$$, and I pay the bills. NFCU offered us a better rate and more professional service. We didn't even have to leave our home for the closing. The lawyer came to us!!

It was the better of the two experiences I've had. Freedom Mortgage was the other experience, which was horrendous. When I went to refinance, I tried to use them first and they hung up on me the first time and didn't call me back when I left a message the second time. I can't wait to buy another house to use NFCU again.

Nobody knows what to do, offering the absolute worst in customer service while doing it. Automatically doing things that were not authorized is what lead this company into class action lawsuits in the first place. My initial email message to NFCU was asking HOW to close my accounts, NOT telling Navy Federal to close my accounts....but they went ahead and did it without confirming anything with me. Didn't even verify my identity. Instead, they went ahead with whatever they felt like and cut a check to me - sending it to my old address. Just a nightmare to deal with. Reading is fundamental.

I've been a member for over 30 years. Currently have a mortgage with NFCU. Purchasing a new construction and selling current home. Completed and submitted all required documents. Was unable to contact processor: "She's off today; She out of the office today; Leave a message." Went to a branch and they looked at me like I had a third eye. Very unplesant experience. Income over 100k, disapproved for new mortgage. Since then I have been approved by 2 different banks for the same mortgage. Closing soon on my new home with an excellent rate. It seems that NFCU, wants to laden you with junk debt; cars, personal loans etc. As soon as I close, I will pay off my credit card and vehicle and will not use them for my primary banking again. NFCU you've got to do better! Shame on you!

20 years relationship is over. I start this by saying that in years past I have enjoyed many good seasons with Navy Federal, but the last few years have undone every good experience. My first problem occurred several years ago when I was selling my home. Mind you that I purchased that home in 2004 and made every payment on time except that final one which I had called and discussed with them. The house was in Florida and closing was put on hold for a hurricane passing through. Because all of the documents were awaiting signature, I told the representative that I was not posting that payment due to a sale in progress. They still tacked a delinquency on my credit. Mind you I weathered the housing market crash and pretty well took a breakeven deal to honor my commitment to them.

DO NOT USE NFCU FOR A MORTGAGE LOAN - REGARDLESS OF THE RATES!! I decided to apply for a mortgage refinance through NFCU due to their competitive rates. I started the process early November of 2019 with the understanding that it would take approximately 80 days to close (it sounded like a warning from one of the managers but I could wait for that period of time). We are beyond 90 days and I am still waiting to finalize what shouldn't be a complicated loan (excellent credit score and LTV).

I am a veteran and joined with the intention of assuming an existing VA loan which was non-performing. After 10 weeks of different depts. I decided I would pay cash and the hell with Navy Federal and their complete incompetence. Absolutely the worst customer service and experience I have ever had at any financial institution. I have a 800+ credit score and the loan I was striving to assuming was non-performing. It seemed they would rather foreclose than have someone pay them on time.

Every day you hear about banks being broken into left and right. It's not that the hackers are so clever that they can hack a system in a matter of time. It's the fact that banks like Navy Federal Credit spend close to nothing on securing your information. As a merchant, we received 2 credit cards that we knew were stolen. We contacted them in 1 week from the two attempts. So being responsible we contacted Navy Credit Union to report them as possible fraud, and navy federal credit union did nothing to stop the card from being used even though we were suspicious and knew it was fraud. They refused to at least contact the cardholder and ask them. They refused to put the card oh hold. Both times they gave us bs responses as if they dont care.

Please save your own time and skip NFCU for your mortgage. Attempting to complete a mortgage approval is insanely tedious. Does anyone even work in the Processing Department? At every turn they want you to do the work that they are supposed to be doing. My refinance completely stalled because they used my contact address in place of the refinance property address. This was a loan initially from NFCU!! They wanted every document again from the inspections, HOA, etc because the development wasn't approved for lending!? How can it be, you ask? It's as if this department is a completely isolated and independent contractor with no internal links to NFCU.

The loan department at Navy Federal Credit Union is the worst ever. They lie to you and they treat you terrible. When they do make a mistake which is often they blame you for the mistake and then can't fix it and they act like they are doing you a favor by just doing their job. If you are looking for a credit union run from navy federal.

I have banked with NFCU for 5 years and have never had an issue with their basic products such as checking, savings, and CDs. Their mortgage department is however an entirely different issue. It very well may be that I had a bad loan team assigned to me but from my experience the loan officer would take two weeks at the least to return my phone calls or emails. I would have to directly message her supervisor in order to get a response on documents that were never sent to me.

Navy Federal Credit rep Caleb ** (800) 336-3767 x ** sent me a settlement offer dated November 30, 2019. I have been unemployed with no benefits for over a year and was unable to pay my credit card debt of $4900. ** offer was to settle the debt for around 12-hundred dollars to which I agreed. During this time my father died and left me an inheritance which I had moved into my Navy Federal Credit Union Savings account. Rather than honor the standing offer, ** took the full amount due from my account and was basically short and rude as to his motives.

I have been a member of the Navy Fed for 50 and 1/2 years I was given an est of rates and terms on 7/21/19, at least 30 documents were submitted over a period of 4 months. I made several trips to the local branch where the local branch rep was friendly and helpful. I made the visits to make sure the loan officer got the documents she asked for to process. There were at least 3 times where we had to resend the documents. I called the loan officer and her supervisor at least 17 times and left messages to find out a status or find out if they needed any information.

I am a full time home renovator. I have been for over 15 years. I will no longer accept buyers who use Navy Federal as their lender. This is the 2nd deal to take more than 60 days to close, double the time of any other bank. Not to mention the constant and unnecessary drama. Both fell apart last minute. A surprise to the buyer and seller. The loan officer would not return calls, emails or text messages from the title company or sellers agent. COMPLETELY uncommunicative. The transaction cost me, the seller nearly 3K more and left the buyer homeless. Navy federal caused 4 contract extensions. Why, the lender was not ready despite having double the time other banks take.

NFCU's customer service from the Call Center is terrible. On 24 Dec 2019 I needed to help my dad to delete his monthly automatic transfer to me. My name isn't on his account and he speaks a very little English. In the past the representative first verifies name, birthday and last-4 with my dad, then speak to me after his permission, this process takes just few minutes. When I made the first call and the phone was on speaker with my dad sat next to me. I stated this issue right away. The representative Sarah immediately refuses to speak to me, knowing I'm also the member of NFCU, she then started very arrogantly speak to my dad with tons of English plus complicated grammar, instead just a simple ask "what is your name Sir....." What an ignorant move. Of course my dad didn't understood her English, she then took her a long while to finally found an interpreter.

I was attracted to Navy Federal’s 3.45% 12 month CD, so I decided to apply for membership. I applied online. Two days later, I received an email requesting documentation to prove my identity. The email had a secure link that offered I could upload the documents and send them to Navy Federal. I sent them a color copy of my U.S. Passport, a copy of my SOFA Card (I am currently working abroad on base), my most current paystub proving I qualify for membership, an envelope from my bank on base here showing my APO address, my U.S. Forces Certificate of License, my OR state Driver’s License, my marriage license to prove a name change, even though my name had already been changed with the Social Security Administration before I left the States, my new last name was on all my documents and they all matched. But it still was not good enough for Navy Federal.

I have been with Navy Federal Credit Union for Over 35 years. Credit card is great! Prior dealings With mortgage loans were good 2001. This last time was terrible. Applied in late May for a refinance. I have a 840 credit score with little debt ratio. Should be a easy loan. They told me that they were experiencing high volume of applications and that my Loan should take 60 days. No problem for me. I can wait 60 days. Well. 100 days later I was still waiting. I was told my processor had a family emergency. With took 14 days. Later I was told my processor had A hard time verifying my employment. So I called and got instructions for her, letting her know she had to ask to be transferred to Human Resources and from there they will verify my employment. Another 30 days passed and she was still stuck on the same step.

I was skeptical at first to move my money from one bank to a new one, but I am glad I did! The Customer Service, which is what I was lacking at my previous bank has been phenomenal. Whether I am calling or visiting a branch, the customer service has been amazing. I have had some credit issues and struggles and I decided one night I was up late to apply for a CC and I shouted so loud when I found out I was approved with a big credit limit. They do believe in 2nd chances and I will sure treasure this opportunity and not mess it up.

Applied to refinance in September 2019 and could never get in contact with Angela **, my loan officer nor her supervisor. Jason from the Vienna, VA office attempted to answer general questions but specific questions needed to be addressed by Angela who never responds. I decided to go with the HELOC on November 19th and spoke with Lionel in the Vienna, VA office. I had been attempting to follow up with a status since then and I finally got in touch with him today and he informed me that my HELOC process has not started!! You HAVE TO BE KIDDING ME!! This is how an Agency geared to serve VETS treat their customers?!?!

I was planning to provide a review after our loan process was complete, but cannot wait any longer to write this review. I've had an NFCU account since I was 9 (both parents were in the Navy, plus other family members, I worked for the Navy so I am very, very pro Navy). My husband and I are fortunate enough to own our home. We are fortunate enough to have an opportunity to buy some land and the best route for financing the land seemed to be a home equity loan. We applied in October and uploaded more documents than I have ever had to give for a loan.

Like so many of the reviews I've read AFTER I started the refinance process through NavyFed, my experience dealing with them has been a nightmare. You can never get them on the phone, they do not return calls (not even the supervisors), they do not return emails, and you will NEVER know the status of your loan. One day we are given an interest rate of 3.75% and $7,500 in closing cost and the next interest rate of 4.99% and now $28,000 in closing cost! Our closing date came and went and still nothing from them. They do not seem to appreciate the customers they have or care to get new ones. We do all our banking through them and have been for over 19 years. Do yourself a favor and check out other companies that appreciate you and your business.

I start my refinance on September 21 this year, no follow up at all... One email to let you know you have started the process and time frame. After that an automated email document request and expiration date follow for upload. This is the first time I try to get an answer, send email. No respond... Call. Nowhere to find my loan officer. Just leave a message. Try to lock the rate. I couldn't do that either nor confirmation if anyone got my email request. Very unusual!!! I request supervisor to see my case. I have been told someone will call, never got a call back. This guys so busy not to responded anything at all.

I opened a checking account in 1990. For 18 years, I thought they were the best financial institution in the world. Rates were better than others and great customer service. That has changed. When I speak to their customer service department about issues, I don't feel the same level of respect and the reps do not seem as knowledgeable. For example, I called to ask a specific type of mortgage. In order to get the information, I was told to fill out an application and pay a fee. I called back a few times after and finally got the answer I needed. With all of the new payment processing and electronic accounts, issues happen. I called about specific charges and I felt like I was a bother. If I call other places like AMEX or Capital One I feel like a valued customer. They do everything they can to keep you happy. That is the way NFCU use to be. That is no longer the case. Shameful.

Never use this company for a VA home loan. I'm a Realtor with 13 years experience and over 500 transactions. This is by far the worst lender I've ever dealt with. They won't even communicate with their client (a veteran) much less keep me informed as how the transaction is going. NEVER USE!!

I’ve read a lot of these reviews and I’m shocked! My family experience has been great! I constantly get alerts on my phone when a charge is made. My eDeposits are available immediately, customer service is super friendly. Why I stayed? I had (still do USAA for YEARS). 4 years after my bankruptcy they denied me getting a credit card so I can reestablish credit, & denied my loan for a mortgage (1st time buyer). Seems I'm only eligible to buy whatever products they’re selling. I’m only keeping USAA because my direct deposit is available early.

821 Credit score. Applied for mortgage refinance last July and completed all paperworks at the same month. It is now Nov13 and still waiting for closing date. Telephone calls and emails are mostly ignored.

NFCU is a predatory lender with sneaky and underhanded policies designed to lure veterans in to reach unachievable financial goals. My year old credit card has been paid on-time and over the minimum for 12 months. 12 months ago I was informed by a Supervisor that if I does just that my interest would be reduced to something more manageable. I currently am paying 17% APR and me and my wife are struggling to keep up with this payment because of the high interest. But nevertheless, we have been on-time and well over the minimum payment with both the credit card and the mortgage.

We started our refinance process in June. Turned In every paper/document they asked us for within a 24 hour period. Our agent would not return our calls without us including his manager on the email. They had no idea about solar loans or the subordination process with solar loans. Which I emailed to the agent. He ignored the documents and told us not to worry about that. It is now November and we still have not closed, nor will we. Because of their incompetence we are having to change lenders. They wasted 6 months of our time, charged us fees (that could’ve been avoided). Do yourself a favor and choose a different lender.

I’ve read the prior reviews and my complaint is exactly the same. This is ridiculous. I had unauthorized transaction on my card. I called, waited 20 mins to speak to rep, just for her to say call the company first...I was confused but I didn’t want to any friction so called the company who said they would reverse and I also needed to wait for their email. Well I didn't see credit or email, which email not takes no days so I called my bank back to get the disputed going and credit since I just put the money in Navy Federal to cover car and rent..But the unauthorized fee that came out will make my car payment short.

Unfortunately, this company does not always respect closing deadlines when their clients purchase a home. Not only does this affect their clients in a negative way, but it can potentially affect other people as well. Often times buyers have moving trucks lined up, other closings that can not close until their mortgage closes, etc.... It creates so much stress for so many people when lenders are disrespectful and refuse to honor closing dates. I truly hope I never have to work with your company again.

I agree with the other previous reviews about the customer service and lack of communication. As a military veteran, I would excited to bank with a credit union designed to service military. Well, they do a very poor job of it. Just to open an account takes a great deal of work because their communication is completely inadequate. They provide wrong information and ask you to send sensitive information to emails and fax numbers that are apparently not working or monitored. I had a NFCU credit card, which I just closed, because of horrible policies and lack of customer service. I also disputed two transactions on my debit card and NFCU does not back you up like other credit unions or banks. Both transactions, which were not legit, went against me. Looking for another credit union....

We started the process in September 2019 and as of October 24th I still can't get an answer on where we are. I have left messages and sent emails only to never hear from someone. I finally tweeted about them and wow somebody I guess monitors the tweeter universe. I have to echo all other complaints I am reading here, they never update you, return calls or let you know what's going on. WORST experience ever, and this is not my first rodeo. I would move on and not deal with these incompetent people. You will waste time and energy trying to get the process over.

Updated on 11/21/2019: This is an update from my previous post on Oct 29, 2019. This has got to be this worst experience of my 52 year life. I wish I had never gone with them but now I am suck until the nightmare ends which now is 80 days. I can’t believe the constant problems I have with this company. It has now been over 90 days and they finally called (miracle) and told me the would close on 22 November 2019 but of course this is NFCU. The next day they called and said they have not gotten the title search back (it has only been 80 days)! If you make the biggest mistakes in your life on I mortgage like I did and go with them please don’t use their third party companies which are as bad as they are in mortgage.

10/28/2019 UPDATE. Well this just gets better and better. Thanks to NFCU and their complete lack of knowledge with the mortgage process I still haven't closed and now it will probably be November. The surprise today was that instead of getting money back at closing (around $19,000) that I would in fact own them money (to the tune of $17,000). The person "helping" me must have forgot to send me an updated loan estimate and sprung this surprise while awaiting clear to close status. Now they are fixing it so I don't owe money. Again don't do mortgage business with NFCU.

Simply put, do NOT and I repeat DO NOT use NFCU for any mortgage services. THEY SUCK HORRIBLY. Their communication is non-existent and the people working in the lending department are the most incompetent group of people I have ever came across. I am not sure how they are allowed to even still operate with the way they do business. I would never recommend their services to anyone. Without going into a full long drawn out explanation of why you shouldn't use them, I will break it down into bullet points:

Why is it so difficult to get a status update from the NFCU lending team? Thanks to a complete lack of communication on their part, our closing date has been delayed for an unknown period of time, and we still don't have an answer on when we can expect to close. We are incurring unexpected storage costs because our belongings were already being packed and loaded onto the moving truck before we ever received any notification that there would be a delay in closing.

With some extra money in hand, I was looking to open a CD account with a good interest rate. NFCU had the best rate that I could find, so I tried to open a share account as a preliminary step. That took nearly two weeks of back-and-forth, as they repeatedly rejected a photocopy of my U.S.passport, via unhelpful form email. I finally found out, from a customer service person that the reason for rejection was that they couldn't see all 4 corners of the passport in the photocopy. Honestly, it was less hassle to get my security clearance in the Navy.

The service with Navy Federal has gone down dramatically. I contacted them a few weeks ago to refinance my VA loan with an IRRRL (Interest Rate Reduction Refinance Loan), which is a VA refinance loan that does not require a credit or income check. So, what is the first thing Navy Federal does? They check my credit report! Then, they send me documents with completely outrageous and unrealistic terms. The recoupment period was 70 months, which means it won't even be guaranteed by the VA because it has to be 36 months or less. The Reps have no idea of Federal regulations and want to argue their ignorance about the subject! Even supervisors don't return calls! I have my original VA loan with them and will move my loan elsewhere with more competent people as SOON AS POSSIBLE!!! My advice is to look elsewhere if you want your VA loan done correctly!

For 17 days I tried to get in contact with my loan officer to increase the loan by $10,000 and make an offer on a home for sale. No response. No email, no phone calls. I made continual efforts to get in contact, and I finally received a response. The response came in the form of informing me my offer had expired, the day they informed me. It's as if Navy Federal is actively avoiding doing business with their customers when dealing with mortgages. I didn't know this was a common complaint or I would never have begun the process with them. I think it's more disrespectful to imply they care about veterans and their families with this level of service.

We had a set closing date. We had all of our paperwork in a week before our set closing date. Then we stopped hearing from our mortgage processing agent, Angela **. We emailed, our realtor emailed, the seller’s realtor emailed - nothing. Finally, the date after the day our closing should have been, she sent an update that said, "If underwriting processes is today then you’ll close in 3 days, if not, you’ll close in 5 days". We have busy schedules and a lease that is about to end. They put us in a very impractical situation and there’s really nothing we can do about it. I would give them negative stars if I could.

I just went through the worst mortgage experience of a lifetime. NFCU process is a very redundant process. You will be asked the same questions over by a series of people that should take note and pass on information. After all, isn't the process about finding out if the inputted information is valid or not? After being a member for 35 plus years and owning 2 homes, I thought I would take the NFCU path. Even after being warned by people who had taken this route. They are not good with given specifics and you have to make contact constantly to stay in the loop. WORST, WORST experience ever as a retired vet. I WOULD NEVER EVER RECOMMEND NFCU TO ANYONE AGAIN!

I am really disappointed with NFCU. Look elsewhere first before doing a mortgage with Navy Federal. #1 They advertise low interest rates but give you a higher rate on your loan. #2 and even worse, they string you along for 2 months or more and can't seem to complete the loan. Hey, if you are denying me, ok, or need something else like a condition, just let me know, BUT "NO"! They keep the loan open and will not communicate to let you know what is going on.

First of all, I'll start off by saying ALL Credit Unions I've had are FAR AND AWAY SUPERIOR to ALL BANKS PERIOD. 7 Years ago I already have my accounts with San Diego County Credit Union for YEARS. Love them, very small local only bank, very friendly people, they're great. 3 years ago, NFCU opened a new Branch near me, my brother & Nephews all bank with NFCU & kept after me to open an account, but I didn't see the point, I was happy with SDCCU, why should I open another account with yet another bank? I also have an online only Capital One 360 account for the past 15 years.

I have been a customer of Navy Federal for over 20 years and have had a mortgage, line of credit, credit and debit cards etc and maintain both checking and savings accounts with Navy Federal. My checking account and savings account balance at the time of this issue was approximately $36,000. My payments have NEVER been late in the past and are usually paid well before the due date.

This isn't a question but more of a statement or complaint. We applied to refinance our home and came in to get our application started, some info had been taken incorrectly and we got an email from Jannet ** so we called her with some questions and we got very frustrated and jannet seemed confused as to what we wanted so she said she would call back. It has been over 2 weeks and we havent heard a word from anyone. I have emailed her with my displeasure and feel that she she could use some training in Customer service and follow up. I will be going on social media with this as well and recommending that people think twice before using NFCU for any loan. You have done us a disservice and although this probably will get swept under the rug, we will be ending our time with your bank as well as both of our kids that are currently serving.

While I am happy with Navy Federal overall, they need people with better attitudes working in their bill pay department. Our account was closed because someone tried to steal from us and apparently, the bill pay section somehow wasn't included in the closing of the account. It wasn't mentioned at the time that we closed the account (last month) nor after (and I even had to call in to ask why the account was still showing up on my side. The agent even verified at that time that the account was closed smh). Today, I get a letter in the mail stating that we owe $50 to the bill pay part of the site. They covered the money for us (we didn't know any of this was even happening because we assumed that the entire account was closed and any dealings with it smh).

I rehabbed a condo with my own personal funds from my IRA couple months ago. Every item in the house was replaced including the floors, kitchen, 3 bathrooms, washer & dryer, AC & heating unit, garage door & opener. The first appraisal came in and Navy underwriter was not happy with the results. They sent another appraiser out to appraise the condo. His appraisal came in higher than the first one which they decided not to use! Navy delayed our closing for 3 additional weeks sending home stats to the appraiser for him to reevaluate his information. The appraiser came back with the same amount so Navy decided not the fund the higher amount because they don't think the condo is worth that amount! As a Navy member, I'm disgusted, I feel their tactics and moral integrity are corrupted. This type of behavior by any financial institution should not be allowed...@navyfcu.org

Beware of this place. They're highly touted among credit seekers with less than stellar credit but if you have decent to good credit they will hard pull you until your score is below average. I decided to open account here when my son went enlisted in the Marines. I applied for a checking line of credit and their platinum card. I was approved for both but ended up with 3 hard pulls for these 2 lines of credit. Mind you I applied for these lines of credit on the same day.

I have the screen shot of depositing $50 CASH in the day of and because it was an ATM deposit they NSF me $29 because I didn't GO INTO the bank!! The drive thru line wrapped around the building and the lobby was full. They are in line with BBT and Wells Fargo!

I have been a member of NFCU for 26 years. I have conducted all of my major banking needs through NFCU to include, 3 mortgages, countless auto loans, equity loans and numerous other financial transactions. I would have given NFCU a 5 star rating up until about a year ago or so ago. I am not sure what is going on with the credit union, however, I can tell you my recent experiences have been horrible; customer service, communication, and processes have became a nightmare.

Called to receive help on a mistake they made and I was on the phone for 45 minutes. They did nothing to help the situation even after I asked to speak to the supervisor. I would not trust them with my money!

ZERO communication regarding Title Request. Increased Interest Rate in nearly a day. 3 requests for Affidavit by local Tax Assessor due to NFCU stamping the WRONG ADDRESS on blank Title. Online portal not in sync with every other record of phone calls that I have made. There was a 2 week delay and now another month with increased Interest Rate by nearly 200$ more due to this wrong doing on NFCU's end. I'm absolutely disgusted and for the first time considering taking my services elsewhere. DO NOT USE! They get worse by the year. So much for my military service and commitment to this Union.

I just want to say we loved Navy Federal Credit Union but the second we applied for a mortgage loan that love turned into hate!!! We are about 2.5 hours away from a home office so we mainly talked on the phone, sent emails then we need to send paperwork. As we start that process our loan guy started not answering our calls or emails. Thought we had everything l in next day we have the same list so we start sending it in. Come to find out they started a whole new loan!!!! Then they said ignore that so we have are relater said we had everything in but thing and that was getting done next week. Then tonight get a email saying all this freaking paperwork is missing again!!!! Not happy. Never again will I use Navy Federal if we lose this house because their communication is terrible!!!!

First of all, let me just say that every other aspect of Navy FCU has been great. However, if you can go anywhere else for a mortgage, do it!!! The initial application process was handled online and went very smoothly. Sadly, once the human processor got involved, my life became a bloody hell. The processor NEVER ONCE communicated problems with the application. The processor NEVER ONCE answered her phone or returned my phone calls. The processor ONLY ONCE, sent an email apologizing for her lack of communication..., and that was over 6 weeks ago.

Myself and my grandmother opened a joint account within aforethought the possibility of using NF services for business transactions. Despite me being joint owner, authorized user and a POA for my 76 year grandmother they wrongfully flagged all our accounts for fraud and had us submit the same documents a dozen of times. They never grant access to management and fail to provide information over the phone. While our accounts remained frozen for a week, they cost us over a 100K because we could not transact as needed. Additionally, they forced my 76 year grandmother to drive 3 hours to the nearest branch to show her id. Can't believe it, a day where we have FB and Skype this institution did this to her. I have filed a BBB complaint, along with an AG complaint. I wouldn't refer a soul to NF from this day forward.

Watch out for this mortgage lender and stay far away! They are unprofessional and do not communicate important information! Our closing on a home was delayed, because they gave less than 24 hour notice of missing items. The loan processor and supervisor did not return our phone calls or emails! Also did not respond to our agent or lawyer! Never experienced such poor service!