You can call them about any service 24/7. I called with loan application questions at 2am and, sure enough, I got to speak with a human being. They actually answer my questions and help me learn about credit, credit cards, loans, etc.
They gave me a massive 25K credit limit on my very first unsecured credit card and beat every other auto loan rate quote I got for my first car.
The mobile app is super easy to use and I literally have never needed to visit a branch, ever. I think the closest one is 75 miles away in Miami anyway, lol.
Navy Fed helped me to grow from someone without a clue about finances into a responsible borrower within a matter of 2 years.