Navy Federal Credit Union

I’ve always been treated with the…

I’ve always been treated with the upmost respect, and every Navy Federal Agent representative is courteous and truly knowledgeable! I wouldn’t bank with anybody else

The best credit union hands down!!

Good people.👍

I was on hold for 20 minutes and still…

I was on hold for 20 minutes and still did not get through. This is the second time I tried to get through, the first time I requested a call back and they never called me back. I think you need to look at your customer service and make some changes!

Five Stars Well Earned

I've been a Navy Federal Credit Union member for several years, and they've earned my trust. Every interaction has been professional, respectful, and focused on helping rather than selling. As a Marine Corps veteran, I appreciate being treated like a valued member instead of just an account number. Their knowledgeable staff, excellent customer service, competitive financial products, and easy-to-use banking tools have made a real difference in my financial journey. If you're looking for a credit union that genuinely puts its members first, I highly recommend Navy Federal Credit Union. They've earned my loyalty. Semper Fi!

Recently applied for a HELOC

Recently applied for a HELOC. Everything went smooth. Good communication and customer service. Always able to speak with someone through chat or phone call.

Based on my experience

Based on my experience, the mortgage team did not appear to work collaboratively; instead, they seemed to operate in silos. Although we submitted all requested documentation promptly, it did not appear to be uploaded or shared in a timely manner. As a result, each person who supported our loan officer during his paternity leave repeatedly requested the same documents that had already been provided, creating unnecessary delays and frustration throughout the process. Additionally, our closing date was postponed because of a requirement that, after conducting my own research, I determined was not actually necessary. When I escalated my concerns to the supervisor, I did not receive a timely response. When the supervisor did respond, the information provided was inaccurate and did not resolve the issue, further contributing to the delay and our overall dissatisfaction with the process.

Never here fron him

The Staff @ NF is very courteous and friendly…

The Staff @ NF is very courteous and knowledgeable and friendly! It's my favorite bank to visit. In fact, I am always happy to have to go to the Bank!

The whole process was easy and the rep…

The whole process was easy and the rep at the bank was very nice.

Greatest APR you can get today.

Have had zero problems with transactions

The Navy Federal Credit Union customer…

The Navy Federal Credit Union customer service line was a little disappointing as I’ve always talked to someone over the phone and not had any issues until I spoke with the customer service rep on today 8/1/2026. I already had to wait 35 minutes for someone to come to the call and I missed the first phone call because when I answered it, no one said anything and they stated they will call me back in five minutes. When the call came back in five minutes. I was greeted by a male who I informed that I activated my card on the app and as well as the telephone number that’s placed on the front of a debit card that I received in the mail today. Instead of him hearing me out as to what I was informing him that my card should have been activated already because the prompt from the end of the car informed me that my car has now been activated. It makes it seem very suspicious as if that telephone number was not part of Navy Federal Credit Union, even though it was on the front of the card. The representative got really quiet on the phone after I said something and gave me silence for about one minute and a half, which is very rude. He needs to get out his feelings and listen to the customers explain instead of him thinking he knows everything, and be a little bit more empathetic.

Smoorh transaction

A truly disappointing experience

As a former service member, I chose Navy Federal Credit Union because of its long-standing reputation for serving military members and their families. Unfortunately, my recent HELOC experience fell far short of the level of professionalism and service I expected. From the beginning, our loan process was plagued by repeated errors, inconsistent communication, and unnecessary delays. Our assigned loan officer made multiple mistakes throughout the process, provided explanations that frequently proved to be inaccurate or contradictory, and, most concerning, closed our loan application without any warning or communication while we were actively working to provide requested documentation. Throughout this process, my husband and I spent countless hours contacting customer service, trying to obtain updates and clarification. We were repeatedly promised callbacks that never came. We found ourselves having to advocate for ourselves at nearly every step, escalating concerns to supervisors simply to receive basic communication and move the process forward. Ultimately, supervisors acknowledged that our file had become a “teaching experience” for an inexperienced loan officer and assumed responsibility for completing our loan. While I appreciate the efforts of the supervisors who eventually stepped in to resolve the situation, that acknowledgment does not excuse the months of frustration, uncertainty, and lack of accountability we experienced. Mistakes happen in any organization. What was most disappointing was not the mistakes themselves, but the absence of proactive communication, follow-through, ownership, and respect for our time. No customer—especially those who have chosen Navy Federal because of its commitment to serving military members and veterans—should have to fight this hard simply to have a loan processed correctly. In the end, our HELOC was completed, but only because we persistently escalated the issue and refused to let it fall through the cracks. Had we not done so, I have little confidence that our loan would have been completed at all. I sincerely hope Navy Federal uses our experience as an opportunity to improve training, oversight, and communication within its lending department. Your members deserve better than what we experienced.

New to Navy Federal

My husband and I joined Navy Federal Credit Union a couple of months ago. We both now use the Flagship credit card as our primary card. We immediately set up automated payments from our NF checking account to cover our monthly balance to avoid paying interest. Just opened the second statement to find an interest charge in the amount of $11.29. We immediately called to dispute and ask what happened. Navy Federal was clearly at fault and the charge was waived and we were assured our auto payment was in place going forward and our credit rating would not be negatively affected. This has caused unnecessary stress and confusion.

Quick and easy

Very easy to apply for great customer…

Very easy to apply for great customer service

Navy put a Hold on my deposit A 2k…

Navy put a Hold on my deposit A 2k cashier Ck from another bank institution for 7 days. It was life or Death Situation for me Gods Grace I held on until it Released withdrew my cash Took care of my Business, it Cost me a Extra 14,000.00 Dollars

By far one of the worst banks I've…

By far one of the worst banks I've dealt with when it comes to reliability. Transferring money from another financial institution fails far too often, making it frustrating to access your own funds. Customer service is equally disappointing, reaching a knowledgeable representative can be a challenge, and resolving issues often takes far longer than it should. I'd recommend choosing a bank with a larger branch network, more dependable customer service, and, most importantly, reliable access to your money when you need it. See their response. Now they want to help, because of a bad review. Can't make this up.