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
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Review summary
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Reviews shaping this summary
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
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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
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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
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Company details
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
P.O. Box 3000, 22119-3000, Merrifield, VA, United States
- 1-888-842-6328
- www.navyfederal.org
Navy Federal Credit Union
4.4
Excellent
51K reviews
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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.
28 July 2026
Reply from Navy Federal Credit Union
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
Great communication
Great communication, easy to work with and the website for uploading document was great.
23 July 2026
Reply from Navy Federal Credit Union
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
Reply from Navy Federal Credit Union
That's wonderful to hear, Cory! Thank you for taking the time to leave a review.
Gretchen,
Navy Federal Social Care Team
Not clear why got higher than advertised rate.
Applied for the lower advertised rate, but got slightly higher rate, not understanding why.
31 July 2026
Reply from Navy Federal Credit Union
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
A lifetime of being a shareholder.
5 August 2026
Reply from Navy Federal Credit Union
Thank you for a lifetime of membership, Evelyn!
Nancy,
Navy Federal Social Care Team
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.
31 July 2026
Unprompted review
Reply from Navy Federal Credit Union
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
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.
22 July 2026
Reply from Navy Federal Credit Union
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
Reply from Navy Federal Credit Union
Thank you for your review, Antonio!
Hayden,
Navy Federal Social Care Team
Very easy to use.
Once you become familiar with the system it is intuitive and easy to use. I have no problem checking the status of my investments and making trades.
3 August 2026
Reply from Navy Federal Credit Union
Thank you for your feedback, Maurice! We appreciate you taking the time to share your experience, and are excited to have more opportunities to serve you in the future!
Craig,
Navy Federal Social Care Team
Simply the BEst!
At first I had a Loan Officer that seemed like a new employee, and it was making the process somewhat difficult (new home purchase), however, after speaking with a supervisor and getting a different officer on it, it was the smoothest process i could ever hope for. 10 out of 10!!!!
21 July 2026
Reply from Navy Federal Credit Union
Thank you so much for sharing your mortgage experience, Clayton! We love hearing that our members have received the world-class service we seek to provide, and we're proud you're a part of our Navy Federal family. We'll be glad to share this compliment with the employee that assisted you and their management team.
Kai,
Navy Federal Social Care Team
The Customer Service is Horrible
The customer service is horrible when calling in. The representative hang up on customers ALL THE TIME
4 August 2026
Unprompted review
Reply from Navy Federal Credit Union
Thank you for sharing your feedback, Lori. 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.
Kai,
Navy Federal Social Care Team
Andy is a trustworthy
Andy is a trustworthy, knowledgeable professional. He is easy to talk to and willing to help. We are thankful to be working with him
14 July 2026
Reply from Navy Federal Credit Union
Kelli, thank you so much for sharing your feedback! I'm happy to hear you've had a good experience with us so far. We'd be happy to relay your kind words to Andy and his management team. We look forward to more opportunities to serve you!
Emma,
Navy Federal Social Care Team
30+ year loyal member
I have been a loyal Navy Federal member since the early 1990s, but their recent customer service and tech failures are unacceptable.NFCU flagged a legitimate ACH transfer as fraud and froze my account. I called to verify the transfer, but their automated assistant required multiple looping prompts just to get me to a human. I spent 20 minutes on the phone and was shuffled between two different departments.Instead of resolving their mistake, they cancelled my ACH transfer entirely. Worse, they wiped the associated transfer data from my app, forcing me to manually re-enter everything and resend it. The representatives ultimately told me they couldn’t do anything to fix what they ruined.Treating a 30+ year member like a security threat over a mistake on their end—and then making the customer do the extra work to fix it—is poor service.
4 August 2026
Unprompted review
Reply from Navy Federal Credit Union
Thank you for sharing your feedback, Christian. We appreciate your long time membership with us, and 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.
Kai,
Navy Federal Social Care Team
Great communication
Great communication, prompt response time to questions, and extremely kind and helpful employees.
24 July 2026
Reply from Navy Federal Credit Union
Kara, 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!
Holly,
Navy Federal Social Care Team
Great support
Only negative is that the process was a little lengthy. Maham Maqsood NMLS ID# 2477299 who was my Heloc representative was very helpful. Guide me to the process and always keeping me updated.
25 July 2026
Reply from Navy Federal Credit Union
Thank you so much for sharing your experience, Richard! We love hearing that our members have received the world-class service we seek to provide, and we're proud you're a part of our Navy Federal family. For the security of our employee, we ask that you edit your feedback to remove their last name and NMLS ID. We'll be sure to share this compliment with Maham and their management team.
Emma,
Navy Federal Social Care Team
The process and delays HELOC funding is horrible
The process for moving HELOC funding is drawn out and took 3 times as long as advertised. In addition, the finanve officer could not give regular updates to status unless pushed upon. Absolutely unsatisfactory communication skills for simple things like responding to an email. We will not be using NFCU as a financer for any further loans. Soon after signing for HELOC, we utilized a different lender to purchase another home and were through approval and closing on the house 28 days after loan application. For funds far greater. NFCU loan department has been horrible for the 22 years that i was in the navy. Anytime we used them, it was chasing cats and continuously update documents that if the process was prompt wouldn't have to constantly provide updates on. My wife and I both have credit scores above 810 and maintain revolving debt as less than 8 percent of our income. There is absolutely no reason that it should take as long as it does for the NFCU organization.
8 July 2026
Reply from Navy Federal Credit Union
Thank you for sharing your home equity loan feedback, James. 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.
Kai,
Navy Federal Social Care Team
Great people and company to do business…
Great people and company to do business with.Thanks navy federal.
4 August 2026
Reply from Navy Federal Credit Union
Thank you for being part of our Navy Federal family, Ron! We appreciate you taking the time to share your feedback, and look forward to the next chance we have to assist you.
Riley,
Navy Federal Social Care Team
2026 Financial Advisor Review
My financial advisor is managing my portfolio well and has done so over the years. He is very good at meeting with me throughout the year, establishing goals and following up on progress. He also keeps me informed of the status of my accounts, any changes or recommendations needed to meet or maintain my goals.
5 August 2026
Reply from Navy Federal Credit Union
Thank you so much for sharing your experience, BK! We love hearing that our members have received the world-class service we seek to provide, and we're proud you're a part of our Navy Federal family. For the security of our employee, we ask that you edit your feedback to remove their last name. We'll be sure to share this compliment with Rick and their management team.
Craig,
Navy Federal Social Care Team
Reply from Navy Federal Credit Union
Thank you for sharing your feedback, Glenn. 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.
Craig,
Navy Federal Social Care Team
Reply from Navy Federal Credit Union
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
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