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
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
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
Company replied
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
Asks customers to review
This company invites their customers to review, whether positive or negative
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
A lifetime of being a shareholder.
August 5, 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.
July 31, 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.
July 22, 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.
August 3, 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!!!!
July 21, 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
August 4, 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
July 14, 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.
August 4, 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.
July 24, 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.
July 25, 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.
July 8, 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.
August 4, 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.
August 5, 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
Navy Federal for the win again
Navy Federal for the win again!
Simple online process, check arrived quickly and communication was spot on.
June 5, 2026
Reply from Navy Federal Credit Union
It's so great to hear you've had a good experience with us, Russell! We love having you as part of our Navy Federal family, and we look forward to many more opportunities to assist you. Thanks for your review!
Riley,
Navy Federal Social Care Team
We received outstanding service from…
We received outstanding service from your new car loan representative Dominique! She was very helpful and getting our loan for the new vehicle processed expeditiously. Very professional!
AJ Starks
July 31, 2026
Unprompted review
Reply from Navy Federal Credit Union
Thank you so much for taking a moment to share your experience with us, AJ! We will be sure to share your kind words with Dominique as well as her leadership!
Kinsley,
Navy Federal Social Care Team
This bank is so trash i been with them…
This bank is so trash i been with them for 2-3 years and now im dealing with numerous issues my card gets charged while locked A lot customer service don’t help what is a 40 min wait at 1:00am like How who is up it’s not making since i keep havin to get a new debit card because of a transaction i never made and all of a sudden im not ineligible for a new debit card im switching banks
August 4, 2026
Unprompted review
Reply from Navy Federal Credit Union
Thank you for sharing your feedback, Javeon. 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.
Kinsley,
Navy Federal Social Care Team
The ease in which it took to apply and…
The ease in which it took to apply and receive a reply.
March 12, 2026
Reply from Navy Federal Credit Union
This is the type of experience we absolutely love to hear! Thanks for taking a moment to stop and share with us, Jorge!
Kinsley,
Navy Federal Social Care Team
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.