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Navy Federal Credit Union Reviews 

50,843
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Looking at 7,936 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, knowledge, and professional approach, making interactions pleasant and efficient. The overall service and customer support are frequently described as excellent, with many appreciating the seamless processes and quick assistance. Reviewers also highlight a user-friendly experience, noting that processes are often easy to understand and navigate from start to finish. However, some customers also noted issues with payment and funding processes, experiencing delays in receiving funds or completing transfers. A few people mentioned communication challenges, leading to unclear steps or difficulty reaching specific representatives.

What people talk about most

Staff

Consumers find staff to be positive, highlighting their helpfulness, knowledge, and professionalism. Many... See more

Service

Customers consistently note positive experiences with service, often praising the ease of auto loans and the... See more

Customer service

Reviewers mention positive feedback about customer service, with many praising the helpfulness, knowledge,... See more

User experience

Users describe positive interactions with user experience, often highlighting easy and smooth processes, with... See more

Payment

Reviewers highlight ambiguous aspects of payment, with some customers experiencing issues like hidden... See more

Reviews shaping this summary

Rated 4 out of 5 stars

It was an easy process to start. All my questions were answered, and the process flowed fairly well initially but during the process I was traveling in Italy and had my wallet stolen with all my cred... See more

Company replied

Rated 4 out of 5 stars

Overall it all worked out. But, from the date I signed the closing paperwork it took 14 days to get funded. Came back twice it was msiing paperwork from my wife. I believe problem was because of th... See more

Company replied

Rated 5 out of 5 stars

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... See more

Company replied

Rated 5 out of 5 stars

Navy FCU quickly paid the promised rewards which I appreciated. I particularly like the free Amazon Prime, I had debated for years getting Prime, but didn't think I purchased enough from Amazon to ju... See more

Company replied


Company details

  1. Credit Union

About Navy Federal Credit Union

Written by the company

Navy Federal Credit Union opened its doors in 1933 with only 7 members—now, it’s over 14 million strong. As a member-owned, not-for-profit credit union, each and every member’s financial well-being is their mission. They strive to become the preferred and trusted financial institution for the military, Veterans and their families—offering products designed with their members' unique needs in mind. 

Not a member of Navy Federal? Join today!


Contact info

Promotion box for Navy Federal Credit Union

Navy Federal Credit Union

Serving all military branches, Veterans and their families

4.4

Excellent

TrustScore 4.5 out of 5

51K reviews

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4.4

All reviews

(50,843)

7,452 reviews in the last 12 months

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Rated 5 out of 5 stars

Everything went smoothly.

Everything went smoothly.

31 July 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

This is what we love to hear, David! Thank you for taking the time to leave a review.

Gretchen,
Navy Federal Social Care Team

Rated 5 out of 5 stars

Great customer service

Great customer service
Knowledgeable and helpful with our needs.
Nice office environment
Friendly and courteous employees.
Thank you

5 August 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thelma, 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.

Gretchen,
Navy Federal Social Care Team

Rated 5 out of 5 stars

I trust Navy Federal with my money more…

I trust Navy Federal with my money more than I trust myself. Their fraud protection services are truly top-tier and state-of-the-art, working around the clock—24/7/365—to safeguard my accounts and investments. The peace of mind they provide is unmatched.

A big part of that confidence comes from outstanding team members like Autumn in the Fraud Protection Department. I dealt with her most recently, and the experience was exceptional. She was knowledgeable, professional, and incredibly helpful from start to finish. Autumn honestly deserves recognition (and a raise!) for the level of service she delivered.

Between dedicated employees like her and their full range of excellent money-management tools and services, Navy Federal Credit Union is, by far, my favorite financial institution to work with.

Highly recommended. Five stars. 10/10: Would bank again!

6 August 2026
Unprompted review
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Joel, 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!

Edward,
Navy Federal Social Care Team

Rated 3 out of 5 stars

The loan closer was great (Kristin) was…

The loan closer was great (Kristin) was great. The loan processor (Vicki) was okay. Nice enough, but she was slow to respond. Responsiveness was not great.

31 July 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you so much for your feedback, Kenneth. We'll forward your kind words to Kristin.

Gretchen,
Navy Federal Social Care Team

Rated 4 out of 5 stars

HELOC Loan

All is relatively well, as the outcome was positive and the customer service was good. I recommend a more streamlined service, as the paperwork I was asked for is a matter of public record. Could the lending institution handle more of the legwork?

7 August 2026
Rated 5 out of 5 stars

Very professional

Very professional, polite, knowledgeable, and paper work was done on a timely manner.

7 August 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for being part of our Navy Federal family, Brian! We appreciate you taking the time to share your feedback, and look forward to the next chance we have to assist you.

Edward,
Navy Federal Social Care Team

Rated 5 out of 5 stars

Great 👍 services

Great 👍 services

4 August 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for your review, Tracy!

Hayden,
Navy Federal Social Care Team

Rated 1 out of 5 stars

Teribble customer service.

I would just like to say I have not had a very good experience with Navy Federal. I have a credit card with them and was on there hardship program. Well the agreement was 3 percent for a year. After 6 months I logged into my account to check my credit card interest and found one of my cards to now be at 18 percent interest. contacted Navy Federal and basically got told there is nothing they can do and I cant even reapply. something about how the debt solutions program i was with before did not make there final payment on time and my interest rate went back to 18 percent. I said why didnt both cards go back to 18 then. They didnt have an answer and basically said there was nothing they can do. I basically got conned out of money even tho we agreed on a program and it was not my fault. Teribble customer service. Will be finding another bank.

7 August 2026
Unprompted review
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for sharing your feedback, Alex. 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.

Gretchen,
Navy Federal Social Care Team

Rated 4 out of 5 stars

It was an easy process to start

It was an easy process to start. All my questions were answered, and the process flowed fairly well initially but during the process I was traveling in Italy and had my wallet stolen with all my credit cards except for the new NFCU card which I did not have in my wallet. Getting all my accounts notified and some money transferred to my NFCU account in the middle of the night from Europe was not easy. I was hoping to get my HELOC credit card sooner. It would have made a lot of transfer actions easier.

2 August 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Alisha, I'm sorry to hear of your experience with us. If you have questions or concerns about your accounts, please give us a call so a representative can take a look. We're available 24/7 at 1-888-842-6328, and we'd definitely like an opportunity to see how we may be able to help.

Edward,
Navy Federal Social Care Team

Rated 3 out of 5 stars

I don’t like their policies on check…

I don’t like their policies on check cashing. What is the reason for holding people paper checks for 2/4 business days?? If you’ve been depositing them for months. It’s not making sense.

7 August 2026
Unprompted review
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Katina, 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 discuss the policy with you further.

Dawn,
Navy Federal Social Care Team

Rated 5 out of 5 stars

They work closely to their customers

They work closely to their customers

30 July 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for being part of our Navy Federal family, Patricia! We appreciate you taking the time to share your feedback, and look forward to the next chance we have to assist you.

Kai,
Navy Federal Social Care Team

Rated 1 out of 5 stars

Title service department is terrible!

I paid off my truck with a cashiers check. Almost a month later I call Navy to ask have they sent my title to me yet. They told me they were in the process of putting a lien on it. I said no because I paid it off. They put in a request to stop the lien process. Long story short it will take longer than two whole month for me to receive my auto title in the mail after paying it off . Unacceptable customer service. Five phone calls and nobody in their customer service could help me. Terrible service to their customers. All their workers don’t know what they are doing.

6 August 2026
Unprompted review
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for sharing your feedback, Monica. 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.

Jessica,
Navy Federal Social Care Team

Rated 2 out of 5 stars

Why the app forgot my login information

Why the app forgot my login information

6 August 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Tisha, 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.

Riley,
Navy Federal Social Care Team

Rated 5 out of 5 stars

Great loan rates and service

Great loan rates and service! Their on line services are very user friendly!

1 June 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

We appreciate you sharing feedback about your experience!

Dani,
Navy Federal Social Care Team

Rated 5 out of 5 stars

It’s everyone that I dealt with on the…

It’s everyone that I dealt with on the phone or in person. They were all so nice, and helpful. They answered my questions and helped me with any issues. It was a great experience from start to finish. Thank you!

1 July 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Annette, thanks so much for sharing your feedback! I'm happy to hear you've had a good experience with us. We look forward to more opportunities to serve you!

Edward,
Navy Federal Social Care Team

Rated 5 out of 5 stars

Safety and Security

I felt safe and secure after seeking advise and help from Navy Federal staff. I was apprehensive that I had been duped but the staff checked and assured me that all was well. She even taught me how to email with an attachment and helped make my direct debit account for my HOA fee.

6 July 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Jessie, thanks so much for sharing your feedback! I'm happy to hear you've had a good experience with us. We'd be happy to pass along your kind words to the representative that assisted you and their management team. We look forward to more opportunities to serve you!

Sage,
Navy Federal's Social Care Team

Rated 5 out of 5 stars

I had a great experience

I had a great experience. The process was easy to navigate and it was fast.

8 June 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thanks for much for taking the time to leave your feedback, Oraios!

Lydia,
Navy Federal Social Care Team

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