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Navy Federal Credit Union Reviews 

50,813
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Considering 7,981 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for their outstanding helpfulness, professionalism, and positive attitude, making interactions pleasant and productive. Many consumers found the overall service process, including loan applications and refinancing, to be seamless, easy, and efficient from start to finish. People also appreciate the great credit card options, competitive rates, and the company's reliable support when issues arise, ensuring a smooth experience. However, some customers experienced delays in funding or receiving checks, and occasional issues with double payments that required reimbursement. A few other people also felt that communication from loan officers was poor, citing unreturned calls and emails, or found the computer experience unclear regarding process steps.

What people talk about most

Staff

Reviewers express high satisfaction with the staff, frequently highlighting their helpfulness,... See more

Service

Customers consistently note positive experiences with service, often describing it as great, responsive, and... See more

Customer service

Clients share positive opinions on customer service, with many reviewers highlighting the helpfulness and... See more

User experience

People report positive experiences with the user experience, often describing the process as seamless, quick,... See more

Payment

Consumers find payment to be ambiguous, with some reporting difficulties adding outside accounts for... See more

Reviews shaping this summary

Rated 4 out of 5 stars

This is our second mortgage with N.F. Overall, we received good customer service. Anytime we hit a speed bump Navy Federal makes the adjustment to get things done. We will continue to use Navy Federal... 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


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

(50,813)

7,418 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Quick and easy

Great customer service

May 29, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

We appreciate you sharing feedback about your experience, Jack!

Reed,
Navy Federal Social Care Team

Rated 5 out of 5 stars

I really appreciate that thoroughness…

I really appreciate that thoroughness and responsiveness of the loan officer and processor we had during this homebound process. Rhonda and Lauren were extremely helpful with helping us understand the steps of the mortgage process as well as answering any questions we have regarding estimates required documents, etc.

July 21, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you so much for sharing your experience, Jonathan! 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 Rhonda, Lauren, and their management teams!

Craig,
Navy Federal Social Care Team

Rated 1 out of 5 stars

This was the worst experience with a…

This was the worst experience with a bank I have ever had. NFCU’s incompetence throughout the process was mind numbing. I will continue to recommend that no one use NFCU for any financial service.

July 22, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for sharing your feedback, Benjamin. 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

Rated 5 out of 5 stars

This outstanding mortgage team makes me…

This outstanding mortgage team makes me a loyal member!

I'm sorry this review is overdue. I am writing to give my highest praise for the help and service I received from the entire NFCU mortgage team while identifying the above-and-beyond contributions from the individuals named below.

Our loan officer, Regan, is nothing short of extraordinary. He helped us along in this process the entire way to closing and took the time to give his personal attention to me and my wife whenever we were in need. His detailed explanations of the intricacies of the loan process demonstrated his mastery of his profession and gave me the understanding I needed to make informed decisions at each step. Regan has the valuable ability to look out for the best interests of both his customers and the NFCU institution at the same time. He worked with me tirelessly to negotiate price matches from competitive lenders ensuring that I had a cost-related basis for staying with NFCU as my lender of choice. Even when things got rough and complicated for us, which they did towards the end, Regan ensured we were treated fairly and got the best terms NFCU could offer. I am grateful to Regan for his skill and professionalism and would love to work with him again in the future. He seems like a member who is punching above his weight.

I would also like to specifically recognize Hailey who helped us as our mortgage processor. Hailey was delightful to work with. She was the epitome of the professional, kind, and competent person I would expect to work with at NFCU. But even beyond that, Hailey was passionate about helping me and my family and I felt like I really had someone in my corner who would help me through this process no matter what. And Hailey did exactly that. We ran into some issues at the end of the process that put our closing date in jeopardy which would have cost my family lots of money and time for missing. Hailey proactively worked with all parties involved, including my realtor team, the insurance agency, the NFCU underwriters, and others, to do the coordination necessary that enabled us to successfully proceed to close. Hailey went above and beyond by staying over an hour past her duty hours just to make sure that things were going to be ok, and she fiercely defended my interests with our insurance agency when things there were going off track. I am grateful to Hailey for the work and energy she put into our mortgage, and we would not have closed on time without her.

I have been a NFCU member for more than 26 years or so by my estimation. The type of service I received from Regan and Hailey are the reason why I will remain a loyal NFCU member and passionately recommend the institution to others. I trust my family's financial future to NFCU.

I hope very deeply that this review may benefit Regan and Hailey in some way. I know that I am not the best writer, but I have tried very hard to convey just how awesome they are and how much I appreciate their help.

Thank you very much for this chance to leave a review and thank you for being an awesome bank!

Sincerely and very respectfully,
Billy Jr.

July 9, 2026
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Reply from Navy Federal Credit Union

Thank you so much for taking the time to share your experience, Billy! 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 employees, we ask that you edit your feedback to remove their last names. We'll be sure to share these amazing compliments with Regan, Hailey, and their management teams.

Emma,
Navy Federal Social Care Team

Rated 5 out of 5 stars

Always professional with great rates and policies.

What makes it great is they did and do what they have done every loan ect I've done with NFCU. They had clear and defined rates and policies, they had people that explained the options and process, they answered questions and had options and solutions when needed.

This loan required more time and a correction as the dealership had a policy that slowed things down, they were not familiar with pre approval check or the system of contacting for confirmation and needed guidance. NFCU corrected an error submitted and allowed the process to continue successfully...

They've always done great and are a pleasure to work with... did I mention good/fair rates/fees..

April 15, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for being part of our Navy Federal family, John! 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

Best way to buy a car

Quick easy to understand very transparent!! I really appreciate the customer service and support

May 1, 2026
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Reply from Navy Federal Credit Union

Thank you for taking the time to share your review, David! We're glad to hear you had great experiences during the loan process and we look forward to our next chance to assist you!

Emma,
Navy Federal Social Care Team

Rated 3 out of 5 stars

$200 not much to work with

$200 not much to work with

July 29, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

I appreciate you reaching out to share your review with us, Clyde. If you'd like to discuss your recent application in further detail, please don't hesitate to give us a call anytime at 1-888-842-6328. We're always available for any future needs you may have, and look forward to opportunities to serve you. ~Craig

Craig,
Navy Federal Social Care Team

Rated 5 out of 5 stars

Very easy to work with

Very easy to work with. Very satisfied.

July 12, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

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

Dawn,
Navy Federal Social Care Team

Rated 1 out of 5 stars

Hardly satisfied. Well am still waiting for that help and…

Well am still waiting for that help and guidance that is referred to in the intro. Six year don’t recall a plus for an any one calendar year. At this point my account has decreased by approx 100k . Had it made even 3 or 4% over these past six years would have been nice . Always hear what the market is making not about what my account is loosing! What we can do to improve it, strategy for going forward.

July 9, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for taking the time to share your experience with us, James. We value your feedback and will ensure it's shared with the Navy Federal Investment Services leadership team for consideration. We look forward to future opportunities to provide you with the world-class service we strive for. Thank you again for your review.

Dakota,
Navy Federal Social Care Team

Rated 5 out of 5 stars

My NFCU financial advisor is the best

My NFCU financial advisor is the best. There when you need him and not hounding you when you don't.

July 28, 2026
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Reply from Navy Federal Credit Union

James, 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 your advisor 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 just love how the customer is…

I just love how the customer is important with Navy Federal

July 28, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for your review, Denise!

Hayden,
Navy Federal Social Care Team

Rated 5 out of 5 stars

Federal

They give you an opportunity to build your credit

July 28, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

We're glad to hear you had a good experience, Cortez-- thanks for sharing your feedback!

Riley,
Navy Federal Social Care Team

Rated 5 out of 5 stars

Rational

Rational, professional and sympathetic listening to understand and propose solutions; that is Navy Federal Credit Union every time, any time.

June 18, 2026
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Reply from Navy Federal Credit Union

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

Rated 1 out of 5 stars

After years of loyal banking

After years of loyal banking, NFCU locked my account without explanation. They forced me to fill out a security appeal that promised (on the form) a 15 business day turnaround. It has been over two months. Because they are holding my money hostage, I cannot access my own capital to pay my bills, causing my credit score to plummet. In-person staff lied to my face about the timeline, phone support dismissed me with "first-come, first-served" excuses, and they refuse to let members contact the appeals team. NFCU clearly learned nothing from their recent major class-action lawsuits. I am currently documenting all financial damages caused by this unlawful freeze and am preparing to take formal legal action. Do not bank here unless you want your savings held hostage.

July 28, 2026
Unprompted review
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for sharing your feedback, Nick. 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.

Hayden,
Navy Federal Social Care Team

Rated 5 out of 5 stars

From initial contact to the end of the…

From initial contact to the end of the process every member of the team provided excellent service and support.

July 17, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

William, 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!

Seraphina,
Navy Federal Social Care Team

Rated 3 out of 5 stars

the overnight check took 3 days

the overnight check took 3 days, Almost lost car.

June 7, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

We appreciate all feedback, negative or positive. Thank you for taking the time to share your review with us, Greg.

Missy,
Navy Federal Social Care Team

Rated 5 out of 5 stars

Refreshing resolution

It's refreshing to talk to an employee you can understand when a problem occurs, and especially when they resolve the issue in a timely fashion.

July 9, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for sharing this feedback, Mark! We're happy we could provide assistance when you needed us, and we look forward to future opportunities to serve you.

Craig,
Navy Federal Social Care Team

Rated 1 out of 5 stars

Horrible experience

Horrible experience. Processor was terrible. Took over three months with stupid results due to processor errors.

I will obtain new VA mortgage in a few months but NEVER with Navy Federal Credit Union 😤.

July 28, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Thank you for sharing your feedback, Dale. 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

Rated 5 out of 5 stars

Great company...wish I'd have joined…

Great company...wish I'd have joined decades ago.

July 28, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

Joseph, we're so happy to have you as part of our Navy Federal family! We aim for world-class member experiences, and we're so pleased to know you've had great experiences. We look forward to our next opportunity to serve you!

Craig,
Navy Federal Social Care Team

Rated 5 out of 5 stars

Everyone on my loan team met and…

Everyone on my loan team met and exceeded my expectations

July 20, 2026
Navy Federal Credit Union logo

Reply from Navy Federal Credit Union

We appreciate you sharing feedback about your experience, Rodney!

Dani,
Navy Federal Social Care Team

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