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.
What people say
I
ISAAC · 1 review · Verified · Experienced 2026-07-22 ·
★★★★★
Look elsewhere
Phone support was great. Everything in between was disappointing and almost pushed my closing date. I felt like I had to pull teeth to keep the process moving. I had to waiver my right to receive the appraisal within 3 days. And within hours of closing funding was not secured. Thankfully I followed up to save closing hours before. I would not recommend using NFCU as your mortgage lender.
Reply from Navy Federal Credit Union2026-08-05
Hi, Isaac. Thank you for taking the time to leave your candid feedback. I am sorry to hear you didn't have a great experience with the mortgage process.
Lydia,
Navy Federal Social Care Team
S
S Jackson · 3 reviews · Experienced 2026-07-31 ·
★★★★★
Working with Navy Federal’s homebuyers’…
Working with Navy Federal’s homebuyers’ program once upon a time was stellar. Customer service provided recently was quite lacking. It was totally disappointing.
Reply from Navy Federal Credit Union2026-08-05
Thank you for sharing your feedback, S. 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
Thank you for a lifetime of membership, Evelyn!
Nancy,
Navy Federal Social Care Team
A
Alex S · 2 reviews · Verified · Experienced 2026-07-31 ·
★★★★★
Not clear why got higher than advertised rate.
Applied for the lower advertised rate, but got slightly higher rate, not understanding why.
Reply from Navy Federal Credit Union2026-08-05
Alex, I'm sorry to hear you haven't had a good experience with us. If you have questions about your accounts, please give us a call, so a representative can investigate. We're available 24/7 at 1-888-842-6328, and we'd definitely like an opportunity to determine what happened in your situation.
Dawn,
Navy Federal Social Care Team
Great communication, easy to work with and the website for uploading document was great.
Reply from Navy Federal Credit Union2026-08-05
Robyn, thanks so much for sharing your feedback! 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
Never again - It took over 100 days for this HELOC to…
It took over 100 days for this HELOC to get approved. The loan processor seemed to be incompetent and unaccountable. After we repeatedly contacted her on the status when we heard nothing, she continually told us it was "in process" - that was not true. She had not released the file to underwriting. We have been members of NFCU over 40 years and have never experienced delays, bureaucratic barriers, and gross miscommunication like we have experienced with this transaction. We will never use NFCU for another real estate transaction again. We could not ever get a human on the phone, and could not even reach the supervisor to try to escalate things. It was a truly unacceptable experience.
Reply from Navy Federal Credit Union2026-08-05
Thank you for taking the time to provide candid feedback, Kristi. I'm sorry to hear you didn't have a positive experience with the mortgage process. I'll be sure that your feedback reaches the right team, so it can be considered for future improvements. For security, we do ask that you edit your review to not include our employee's last name. Thank you again for your review.
Gretchen,
Navy Federal Social Care Team
Easy flexible card ..good rate and with transfer bonus best card I’ve had in decades!
Reply from Navy Federal Credit Union2026-08-05
We're glad to you're loving the card! Thanks for sharing your review! We look forward to more opportunities to serve you in the future.
Craig,
Navy Federal Social Care Team
I can see my statement readily on the app and download statements with ease. What a great way to bank, using the tip of my finger to navigate my banking needs. A+++
Reply from Navy Federal Credit Union2026-08-05
Thank you for taking the time to leave a review, Mabelle! We're glad to hear you're enjoying the Mobile App, and we look forward to our next chance to assist you.
Emma,
Navy Federal Social Care Team
N
Nelson H · 6 reviews · Experienced 2026-08-05 ·
★★★★★
US Veteran services for All US branches of the Serving Military and Retired Personnel
US Veteran supporting Credit Union, and is equipped with professional supporting services for transition or regular customers, both Active or Retired ex-Military!
Accepting public accounts walk-in, or investors as there are services for home purchases or loans!
Safe Harbor for financial services and professional assistance or development!
Staff and services are provided at minimal effort
M
MARY · 1 review · Verified · Experienced 2026-08-05 ·
★★★★★
I love Navy Federal,things are so…
I love Navy Federal,things are so simple.
Reply from Navy Federal Credit Union2026-08-05
Thank you for the kind words, Mary! We love hearing that our members have received the world-class service we seek to provide.
Gretchen,
Navy Federal Social Care Team
Zay, 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
R
RICARDO B Mascardo Jr · 1 review · Verified · Experienced 2026-07-28 ·
★★★★★
It’s reasonable rate with 4.04 percent…I really want 3.99 percent.
It’s reasonable rate with 4.04 percent when they deducted my 25 yrs of being account member. But actually I’m already 26 yrs, should be 0.26 deducted. Instead of 4.04 should be 4.03 percent. Anyway it’s good no complain. Thank you.
Reply from Navy Federal Credit Union2026-08-05
Thanks so much for taking time to share your review, Ricardo! We're proud to have served you these past 26 years, and look forward to many more to come!
Craig,
Navy Federal Social Care Team
Our experience was great and everything worked out perfectly. The process was very smooth and efficient.
Reply from Navy Federal Credit Union2026-08-05
We appreciate you sharing feedback about your experience, Phillip!
Reed,
Navy Federal Social Care Team
D
DENNIS · 1 review · Verified · Experienced 2026-07-21 ·
★★★★★
5 star loan officer and processor
Expectations of documentation were clearly communicated and the Homesquad app kept all required tasks up to date. Communications were as necessary and the closing numbers for the loan came in line with projections. Great experience withe mortgage team!
Reply from Navy Federal Credit Union2026-08-04
Dennis, this is awesome feedback -- thanks for sharing! We love hearing that members have had a great experience working with us, and we're excited to have more opportunities to serve you in the future!
Dakota,
Navy Federal Social Care Team
The ease in which it took to apply and receive a reply.
Reply from Navy Federal Credit Union2026-08-04
This is the type of experience we absolutely love to hear! Thanks for taking a moment to stop and share with us, Jorge!
Kinsley,
Navy Federal Social Care Team
This bank is so trash i been with them for 2-3 years and now im dealing with numerous issues my card gets charged while locked A lot customer service don’t help what is a 40 min wait at 1:00am like How who is up it’s not making since i keep havin to get a new debit card because of a transaction i never made and all of a sudden im not ineligible for a new debit card im switching banks
Reply from Navy Federal Credit Union2026-08-04
Thank you for sharing your feedback, Javeon. 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.
Kinsley,
Navy Federal Social Care Team
A
AJ STARKS · 2 reviews · Experienced 2026-07-31 ·
★★★★★
We received outstanding service from…
We received outstanding service from your new car loan representative Dominique! She was very helpful and getting our loan for the new vehicle processed expeditiously. Very professional!
AJ Starks
Reply from Navy Federal Credit Union2026-08-04
Thank you so much for taking a moment to share your experience with us, AJ! We will be sure to share your kind words with Dominique as well as her leadership!
Kinsley,
Navy Federal Social Care Team
R
Russell Morgan · 2 reviews · Verified · Experienced 2026-06-05 ·
★★★★★
Navy Federal for the win again
Navy Federal for the win again!
Simple online process, check arrived quickly and communication was spot on.
Reply from Navy Federal Credit Union2026-08-04
It's so great to hear you've had a good experience with us, Russell! We love having you as part of our Navy Federal family, and we look forward to many more opportunities to assist you. Thanks for your review!
Riley,
Navy Federal Social Care Team
D
DONALD · 1 review · Verified · Experienced 2026-06-08 ·
★★★★★
Getting the loan was easy and very…
Getting the loan was easy and very simple
Reply from Navy Federal Credit Union2026-08-04
Donald, 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
