Navy Federal Credit Union Reviews

3.7 out of 5 stars
39 Reviews

From Account Holders in the last year


Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

3.5 5

Most Helpful Positive Review

Apr 21, 2017
Battle Buddy Approved
Anonymous Account Holder

First let me say that I am disappointed to read some of the bad experiences people have had with NavyFederal, they are truly troubling. 

As for my own experience with NavyFederal(NF) I have been extremely happy with them. They have been very, very generous to me and my family. For the record though, I will say that my VA refinance process with them was a little less than perfect. I The first two loan processor seemed to be a little incompetent, to busy for me, or both. Needless to say, the 3rd processor got it closed in no time with no issues which made me wonder what had happened with the first two. 

Since starting with NF, I have my mortgage, 2 auto loans, checking, savings, CC, etc with them. I am extremely happy with ALL my products bar none. I don't know that I would want to bank anywhere else and the fact that they have been expanding branches closer and closer to home is only a plus. One HUGE thing, in addition to the nice little bonus they kicked in towards my closing cost when i funded my loan with them, they don't sell their mortgage loans! and they service in house!! This is and continues to be one of the best selling points when it comes to mortgages with them. 

I hope those who have are having negative experiences with them get them resolved satisfactorily. And for those of you who are thinking about trying them, I HIGHY recommend them.

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Most Helpful Negative Review

Jan 17, 2017
Shady business practices.
loisloisg Account Holder

Navy FCU does everything they can to prevent you from closing an account with them.  They'll lie, stall, keep repeating questions, and try every pathetic tactic they can to get you not to close your account.  I told the Rep that he had 2 more minutes (after a 30 minute conversation was going nowhere) to close my account or I was going to file a complaint with the Feds (CFPB).  The rep relented and agreed to close my account if I would agree to let Navy FCU keep the few dollars that were in my account.  I agreed and then I filed a complaint with the  CFPB because Navy FCU needs to be held accountable for their shady business practices.  I would encourage anyone else that has issues with Navy FCU to report them to the CFPB as well.  

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These reviews were written by current and former account holders in the last year.

Dec 01, 2017
Easy to work with!
AnotherNumber Account Holder

I've been with NFCU since USMC bootcamp 1995.  I've used other banks and credit unions since joining mostly because they didn't have any local branches.  Now that there are local branches here in the ATL area I've used them as my primary "bank" since 2006.  My wife and I both have a Platinum CC with them and multiple checking accounts as well.  We set up our children with accounts as well as they've matured.  My oldest (21) has a CC from NFCU as well.  I've mostly been pleased with their service, but have had a few issues. 1. They used to lock out all accounts if you paid the minimum credit card late.  2. They prequalified for a home loan and they refused to underwrite the loan because it was about 25% less expensive than our current residence.  For sure they are much better to deal with than USAA on just about anything.

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Nov 07, 2017
Back with Navy Federal after 15 years
Anonymous Account Holder

If you think you have been blacklisted by Navy Federal, think again.  I thought I was blacklisted.  After going to a local branch, I was able to explain my situation and had my membership reestablished after 15 years.

I will not go into the specifics, however, never give up and always keep trying.

I love Navy Federal Credit Union!

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1 Reply
Nov 30, 2017

Could you give a few details of how you were reinstated, what basis, who you spoke with, etc. I’ve been trying to get reinstated after accounts were closed and charges of due to fraud 12 years ago. Any insight would be appreciated!

Oct 13, 2017
Hopforever1 Account Holder

This credit Union has helped me restore my Credit, obtain loans and credit cards!

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Sep 29, 2017
KplusJ Account Holder

Navy federal is ok, good rates because it’s a credit union. In terms of their credit cards they offer generous limits even to those of us with less than stellar credit. Olg negative thing I have to say it this point is their terrible unprofessional handling of my fraud dispute on my credit card. They were terrible and highly inconvenient. Everything is done by paper, so old fashioned and out dated. Every time I have had a dispute with either my discover or chase accounts everything was fine, quick simple and easy. And I’ll add electronic. Navy federal does not not handle their disputes electronically they send you letters to respond to by snail mail before hey even consider crediting your account. With chase and discover I had my money in my account within 1 day, no issues. Navy federal made it as difficult as possible and to be honest they really did absolutely noyhing but inconvenience me when it was all said and done. I ended up fixing the problem myself on my own, with the merchant and pay pal months later. If I hadn’t been persistent I would have just written that money off because navy federal was not going to do their part to get it back. Then they had he nerve to send me a survey saying “we were glad to have helped you” please navy federal you didn’t do s*** to help me. Thanks for nothing. 

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Sep 29, 2017
Navy Federal is the Best!
MaOfficial Account Holder

I opened my Navy Federal account and within a few days had a new Visa Rewards credit card. Within a month I was able to refinance my car at 3.79% APR, and my checking account is wonderful to have. Uploading checks via the mobile app is easy, though I will say you must follow their directions to the T or they will reject it. After reading some other stories from various groups, I'm inclined to say that NFCU is a CU that will come to your aid and help you get your finances right. If you screw them over, there is no comming back! 

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Sep 06, 2017
Anonymous Account Holder

They give you a chance!

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Sep 06, 2017
Lousy Customer Service. Disrespectful
troywharton Account Holder

If i could give Zero Stars i gladly would. I was told Navy Federal is a good banking institution, i need to find that person that told me that, and give them piece of my mind. O had this disgusting banking institution for about 8 to 10 months. Paryt of my direct deposit goes there, and i was thinking of opening a Certificate of Deposit and getting a credit card to rebuild my credit. My mother, wrote me a check for $5000. I figured, I'll deposit it into Navy Federal. I called them up, they said, i can take a photo of my check and deposit it. I put my account number on it, took a photo of it through THEIR APP, and deposited it. I received an email stating it was declined, i called, and they said it must have for deposit only. So, i did that, and it was declined. I called them, they said for eDeposit Only at NFCU must be at the back of it, i did that, they declined it. I got another email from the fraud department, they said the check looks fraudulent. I stated, "that check is from my mom, she's not a crook". They proceeded to tell me that my account is now suspended. I NEVER TOLD THEM TO FREEZE MY ACCOUNT. My direct deposit is about to go in there and they froze it. They're saying that the signature on the front of the check doesn't look real, so they're freezing my account, until i can prove it's real. I have to go to their branch, 118 miles away in 1 direction. The reps were rude and disgusting. They were insulting to me and my mother. They were very disrespectful towards my mom. I 100% hate this bank and i wish nothing but bad on them. The rep in the fraud dept was an absolute nightmare. I need to close my account and transfer my money to another bank. Navy Federal are Rude, Insulting, Condescending, Sarcastic... and they say they care about MILITARY? I bust my butt for this country and you insult my mother? MY MOTHER ISN'T A CROOK. How dear you even ATTEMPT to disresprct someone's mom.

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Sep 05, 2017
Extremely customer friendly!!!
QueenCook Account Holder

As a customer of 14 years, I love Navy Federal Credit Union.  With each passing year, it gets better and better with new technology and products.  I was able to open CD accounts, another second checking account for bills, and borrow money to purchase my car all online.  My branch is nearby when I need it.  Also, transferring money to my family members within the credit union is so easy.  I have nothing but a great experience at Navy Federal Credit Union.

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Aug 31, 2017
Fraud department is horriable
Anonymous Account Holder

I will never bank with this company again!!!! My account has been frauded and Navy federal has refused to reverse the fraud charges. Unstead of honoring me as a loyal customer they have only revictized me once again. Terriable service all the way around.

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