Navy Federal Credit Union (www.navyfederal.org) has a 4.2 out of 5 rating on OK.one, based on 203 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 77% of reviews are 4 stars or higher and 12% are 1 star; The business has replied to 100% of negative reviews. Last updated 2026-08-10.
Quick easy to understand very transparent!! I really appreciate the customer service and support
Thank you for taking the time to share your review, David! We're glad to hear you had great experiences during the loan process and we look forward to our next chance to assist you! Emma, Navy Federal Social Care Team
This was the worst experience with a bank I have ever had. NFCU’s incompetence throughout the process was mind numbing. I will continue to recommend that no one use NFCU for any financial service.
Thank you for sharing your feedback, Benjamin. I wanted to make sure you know our Social Care Team is available to support our members with questions and concerns 24/7 via Navy Federal's Facebook, Instagram, and X (formerly Twitter) accounts. We're unable to provide account-specific help through social media for privacy and security reasons, but we'll always do everything we can to get our members to the right resource. If you do reach out to us on Facebook, Instagram or X, I hope you'll mention your Trustpilot review, so the person who receives your message can get up to speed on your concerns as quickly as possible. Kai, Navy Federal Social Care Team
Great customer service
We appreciate you sharing feedback about your experience, Jack! Reed, Navy Federal Social Care Team
This is the second time we have taken a mortgage with Navy Federal. The first time was a breeze and a pleasure, this time it must have been done by someone new. She didn’t have a clue, lost or misplaced documents , took months to get this closed when there was no reason for it other than not seeming to know what she was doing. We had to jump through hoop after hoop which was not the case with our first mortgage on the same house which we were just redoing.
Thank you for sharing your feedback, Rebecca. I wanted to make sure you know our Social Care Team is available to support our members with questions and concerns 24/7 via Navy Federal's Facebook, Instagram, and X (formerly Twitter) accounts. We're unable to provide account-specific help through social media for privacy and security reasons, but we'll always do everything we can to get our members to the right resource. If you do reach out to us on Facebook, Instagram or X, I hope you'll mention your Trustpilot review, so the person who receives your message can get up to speed on your concerns as quickly as possible. Sage, Navy Federal's Social Care Team
This outstanding mortgage team makes me a loyal member! I'm sorry this review is overdue. I am writing to give my highest praise for the help and service I received from the entire NFCU mortgage team while identifying the above-and-beyond contributions from the individuals named below. Our loan officer, Regan, is nothing short of extraordinary. He helped us along in this process the entire way to closing and took the time to give his personal attention to me and my wife whenever we were in need. His detailed explanations of the intricacies of the loan process demonstrated his mastery of his profession and gave me the understanding I needed to make informed decisions at each step. Regan has the valuable ability to look out for the best interests of both his customers and the NFCU institution at the same time. He worked with me tirelessly to negotiate price matches from competitive lenders ensuring that I had a cost-related basis for staying with NFCU as my lender of choice. Even when things got rough and complicated for us, which they did towards the end, Regan ensured we were treated fairly and got the best terms NFCU could offer. I am grateful to Regan for his skill and professionalism and would love to work with him again in the future. He seems like a member who is punching above his weight. I would also like to specifically recognize Hailey who helped us as our mortgage processor. Hailey was delightful to work with. She was the epitome of the professional, kind, and competent person I would expect to work with at NFCU. But even beyond that, Hailey was passionate about helping me and my family and I felt like I really had someone in my corner who would help me through this process no matter what. And Hailey did exactly that. We ran into some issues at the end of the process that put our closing date in jeopardy which would have cost my family lots of money and time for missing. Hailey proactively worked with all parties involved, including my realtor team, the insurance agency, the NFCU underwriters, and others, to do the coordination necessary that enabled us to successfully proceed to close. Hailey went above and beyond by staying over an hour past her duty hours just to make sure that things were going to be ok, and she fiercely defended my interests with our insurance agency when things there were going off track. I am grateful to Hailey for the work and energy she put into our mortgage, and we would not have closed on time without her. I have been a NFCU member for more than 26 years or so by my estimation. The type of service I received from Regan and Hailey are the reason why I will remain a loyal NFCU member and passionately recommend the institution to others. I trust my family's financial future to NFCU. I hope very deeply that this review may benefit Regan and Hailey in some way. I know that I am not the best writer, but I have tried very hard to convey just how awesome they are and how much I appreciate their help. Thank you very much for this chance to leave a review and thank you for being an awesome bank! Sincerely and very respectfully, Billy Jr.
Thank you so much for taking the time to share your experience, Billy! We love hearing that our members have received the world-class service we seek to provide, and we're proud you're a part of our Navy Federal family. For the security of our employees, we ask that you edit your feedback to remove their last names. We'll be sure to share these amazing compliments with Regan, Hailey, and their management teams. Emma, Navy Federal Social Care Team
I really appreciate that thoroughness and responsiveness of the loan officer and processor we had during this homebound process. Rhonda and Lauren were extremely helpful with helping us understand the steps of the mortgage process as well as answering any questions we have regarding estimates required documents, etc.
Thank you so much for sharing your experience, Jonathan! We love hearing that our members have received the world-class service we seek to provide, and we're proud you're a part of our Navy Federal family. We'll be glad to share this compliment with Rhonda, Lauren, and their management teams! Craig, Navy Federal Social Care Team
Thank you for sharing your feedback, Laurie. I wanted to make sure you know our Social Care Team is available to support our members with questions and concerns 24/7 via Navy Federal's Facebook, Instagram, and X (formerly Twitter) accounts. We're unable to provide account-specific help through social media for privacy and security reasons, but we'll always do everything we can to get our members to the right resource. If you do reach out to us on Facebook, Instagram or X, I hope you'll mention your Trustpilot review, so the person who receives your message can get up to speed on your concerns as quickly as possible. Emma, Navy Federal Social Care Team
Well at first I didn't think that I would get approved for the card but they were the only ones that approved me for a credit card. I thank them for the opportunity and I love my Navy Federal Credit Card.
Thank you so much for sharing your review, Aneta! We're glad you're loving the card and happy to have you as part of our Navy Federal family! We look forward to our next opportunity to serve you. Craig, Navy Federal Social Care Team
So easy to apply for a loan. The process was seamless. I will onlybuse Navy Federal
Stephanie, thanks so much for sharing your feedback! I'm happy to hear you've had a good experience with us so far. We look forward to more opportunities to serve you! Sage, Navy Federal's Social Care Team
The people were terrific. The computer experience could use some tweaking. It wasn’t always clear who we were dealing with, at each step in the process our contact changed. At the same time, it wasn’t always clear exactly what we had completed and what currently needed to be done. Overall it has worked out beautifully. thanks, Rodney and Helen Johnson
Arthur, I'll be sure that your feedback reaches the right team, so it can be considered for future improvements. Thank you again for your review. We're proud to have you as part of our Navy Federal family, and we look forward to future opportunities to serve you! Dawn, Navy Federal Social Care Team
Awesome experience, great rate, and would use again!
Jordan, thanks so much for sharing your feedback! I'm happy to hear you've had a good experience with us so far. We look forward to more opportunities to serve you! Nancy, Navy Federal Social Care Team
Before initiating my application with Navy Federal I made sure I had all of the needed documentation ready to go for a loan of this type. I really loved the Homesquad feature and the easy loading of documents, The loan officers were also very helpful and reachable, good communication there overall. My only criticism will be to the Underwriter time lenght portion and finilizing the loan, I think it was a bit excessive, considering not having many request to clarify or produce other documentation to substantiate my loan information. When I heard the loan officer said that it could take up to 45 days to close, trust me it did took that long, I was to expectation that 4 weeks would have been sufficient when providing all docs timely and accurately. Moral of the story, plan well ahead and set expectations further than the normal amount of time you might think the loan process will take.
Thank you for taking the time to provide candid feedback. I'll be sure that your feedback reaches the right team so it can be considered for future improvements. Thank you again for your review. Dani, Navy Federal Social Care Team
Navy Federal has always been super reliable for us and this was no different.
Smacky, thanks so much for sharing your feedback! I'm happy to hear you've had a good experience with us so far. We look forward to more opportunities to serve you! Nancy, Navy Federal Social Care Team
This was our second mortgage experience we have had with NFCU. We just closed on purchasing a 2nd home in Idaho. I would like to personally thank Cameron and Tim in your Mortgage Dept. Both of these gentlemen were outstanding during the process. They were knowledgeable and very responsive with communication which was very much appreciated due to the home and my husband being in Idaho, and myself in Florida. It was our pleasure working with them. It seems things were going great UNTIL the loan process went to the closing dept. That's when things started to fall apart. Mostly from what I can tell was a lack of communication and direction from the NFCU closing dept. to our Idaho Title Company and realtor. This caused much confusion and stress right up to and on the day of closing. I wish it could have closed better for all involved.
Thank you so much for sharing your experience, Dawn! We love hearing that our members have received the world-class service we seek to provide, and we're proud you're a part of our Navy Federal family. We also appreciate your feedback about communication during closing, and will ensure it is shared with the appropriate teams for review. For the security of our employees, we ask that you edit your feedback to remove their last names. We'll be sure to share this compliment with Cameron, Tim, and their management teams. Emma, Navy Federal Social Care Team
Everyone on my loan team met and exceeded my expectations
We appreciate you sharing feedback about your experience, Rodney! Dani, Navy Federal Social Care Team
Horrible experience. Processor was terrible. Took over three months with stupid results due to processor errors. I will obtain new VA mortgage in a few months but NEVER with Navy Federal Credit Union 😤.
Thank you for sharing your feedback, Dale. I wanted to make sure you know our Social Care Team is available to support our members with questions and concerns 24/7 via Navy Federal's Facebook, Instagram, and X (formerly Twitter) accounts. We're unable to provide account-specific help through social media for privacy and security reasons, but we'll always do everything we can to get our members to the right resource. If you do reach out to us on Facebook, Instagram or X, I hope you'll mention your Trustpilot review, so the person who receives your message can get up to speed on your concerns as quickly as possible. Nancy, Navy Federal Social Care Team
the overnight check took 3 days, Almost lost car.
We appreciate all feedback, negative or positive. Thank you for taking the time to share your review with us, Greg. Missy, Navy Federal Social Care Team
After years of loyal banking, NFCU locked my account without explanation. They forced me to fill out a security appeal that promised (on the form) a 15 business day turnaround. It has been over two months. Because they are holding my money hostage, I cannot access my own capital to pay my bills, causing my credit score to plummet. In-person staff lied to my face about the timeline, phone support dismissed me with "first-come, first-served" excuses, and they refuse to let members contact the appeals team. NFCU clearly learned nothing from their recent major class-action lawsuits. I am currently documenting all financial damages caused by this unlawful freeze and am preparing to take formal legal action. Do not bank here unless you want your savings held hostage.
Thank you for sharing your feedback, Nick. I wanted to make sure you know our Social Care Team is available to support our members with questions and concerns 24/7 via Navy Federal's Facebook, Instagram, and X (formerly Twitter) accounts. We're unable to provide account-specific help through social media for privacy and security reasons, but we'll always do everything we can to get our members to the right resource. If you do reach out to us on Facebook, Instagram or X, I hope you'll mention your Trustpilot review, so the person who receives your message can get up to speed on your concerns as quickly as possible. Hayden, Navy Federal Social Care Team
Great company...wish I'd have joined decades ago.
Joseph, we're so happy to have you as part of our Navy Federal family! We aim for world-class member experiences, and we're so pleased to know you've had great experiences. We look forward to our next opportunity to serve you! Craig, Navy Federal Social Care Team
It's refreshing to talk to an employee you can understand when a problem occurs, and especially when they resolve the issue in a timely fashion.
Thank you for sharing this feedback, Mark! We're happy we could provide assistance when you needed us, and we look forward to future opportunities to serve you. Craig, Navy Federal Social Care Team
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