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
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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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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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Reply from Navy Federal Credit Union
We appreciate you sharing feedback about your experience, Mike!
Edward,
Navy Federal Social Care Team
Could never go wrong banking with navy…
Could never go wrong banking with navy federal highly recommend to anyone
July 30, 2026
Reply from Navy Federal Credit Union
Thanks for the great review, Kotona!
Lydia,
Navy Federal Social Care Team
I love the bank is close to my house…
I love the bank is close to my house and easy for me
July 16, 2026
Reply from Navy Federal Credit Union
We are happy to hear it, Sainey!
Kinsley,
Navy Federal Social Care Team
The excellentbest Spurs that I have with my card…
The best Spurs that I have with my card is the responsibility to make my credit excellent giving me the chance to be able to prove my life and do some positive for myself so I can get some of the things that I never was being able to get it’s a chance of a better experience for me and I love it.
July 30, 2026
Reply from Navy Federal Credit Union
That's great to hear, Richard. We are so glad we can help you get your credit to a great place! Thanks for taking the time to leave your feedback.
Lydia,
Navy Federal Social Care Team
Reply from Navy Federal Credit Union
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!
Dani,
Navy Federal Social Care Team
Excellent Lender, Poor Loan Processing Experience
Our experience with Navy Federal’s home equity loan process was frustrating, and it was almost entirely due to the loan processing stage.
Nikki was, unfortunately, the worst mortgage loan processor we’ve ever worked with. The biggest issue was the lack of communication. We were never given realistic expectations for how long the process would take, and getting updates was nearly impossible. It felt like our loan sat for about six weeks, and during what seemed like at least half of that time, Nikki was on leave. When she returned, we were told she had been out for personal reasons, including her son’s graduation party, which only added to the delays.
Throughout the process, we repeatedly called and emailed trying to get updates, but our messages often went unanswered. It was incredibly frustrating not knowing where our loan stood or what was happening.
Once our loan was transferred to Crystal the experience completely changed. Crystal was excellent. She communicated promptly, called whenever she needed additional information, and kept us informed throughout the remainder of the process. After reaching conditional approval, everything moved much more efficiently.
While we are grateful for Crystal’s professionalism and communication, our experience with Nikki left such a negative impression that I would seriously hesitate to use another Navy Federal home equity product if she were assigned to process our loan again. The difference between the two processors was night and day.
July 31, 2026
Reply from Navy Federal Credit Union
I'm sorry to hear you haven't had a good experience with us recently, Marcus. We appreciate your candid feedback and hope we'll have an opportunity to provide the world-class service we strive for in the future. 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 and 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 reach out to us on Facebook or Twitter, 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. For the security of our employees, we ask that you edit your feedback to remove their last names. We'll be sure to share your compliment with Crystal and their management team.
Dakota,
Navy Federal Social Care Team
I'm insulted by Navy Federal
For being a member, I am shocked at the low level of card I have and my insanely low credit limit. My credit is in the 700s, and I have premium credit cards, like Amex Platinum. I'm insulted by what I have from Navy Federal, especially as a veteran.
July 30, 2026
Reply from Navy Federal Credit Union
I'm sorry to hear you haven't had a good 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.
Dani,
Navy Federal Social Care Team
Reply from Navy Federal Credit Union
Gail, 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!
Kai,
Navy Federal Social Care Team
Very helpful in the planning and it is…
Very helpful in the planning and it is going well, also asked a question about borrowing money from 401 and he explained all the ups and downs.
April 30, 2026
Reply from Navy Federal Credit Union
Thanks for taking the time to leave your feedback, Dennis.
Lydia,
Navy Federal Social Care Team
The friendly employees
The friendly employees. How quickly clients are serviced. Cleanliness of the space. Knowledge of the staff in the facility. There could be a few extra employees to help the massive influx of patrons.
July 22, 2026
Reply from Navy Federal Credit Union
Thank you for being part of our Navy Federal family! We appreciate you taking the time to share your feedback, and look forward to the next chance we have to assist you.
Holly,
Navy Federal Social Care Team
Great rates/customer service/NO fees
This bank offers great credit card options, no balance transfer fees ever. I was able to consolidate everything and have the lowest interest rate around. I also have a HELOC with them. Super easy process, didn't have to leave my house. Everything was done online from application to closing. 24hr customer service is great as well, not to mention they have your back if a merchant rips you off. I had a furniture company cheat me. Big ticket. They investigated and sided with me. Great to know someone has your back against predatory companies. 5 star all the way!
July 27, 2026
Reply from Navy Federal Credit Union
Karen, 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. Thank you for being part of the Navy Federal family!
Gretchen,
Navy Federal Social Care Team
I just think the fees are too high
I just think the fees are too high, especially when they know members have so many insufficient fund fees I mean really this is juggling out here. The phase cut it down like a Christmas tree in the forest a week before Christmas what else that’s it the fees, when all the Miller trying to do is pay bills and keep from starving it’s gotta be a better way right now. I feel like the Bank treat me like it’s just a big Check Cashing Store. That’s how I feel right now. Thanks for letting me vent.
July 2, 2026
Unprompted review
Reply from Navy Federal Credit Union
Thank you for reaching out to share your feedback with us, Spring. If you'd like to discuss your account in further detail, please don't hesitate to give us a call. We're available 24/7 at 1-888-842-6328, and we'd definitely like an opportunity to determine what happened in your situation. Thank you again for your review.
Craig,
Navy Federal Social Care Team
Home buying
I will be honest, i would never use Navy Fed to purchase a home again. I can not give my whole story but i did have 4 different closing dates. I had 6 diferent loan processors. We closed two weeks late. Almost issues was because of Navy federal.
July 30, 2026
Reply from Navy Federal Credit Union
Thank you for taking the time to provide candid feedback, Joel. I'm sorry to hear you didn't have a positive experience with the mortgage process. I'll be sure that your feedback reaches the right team, so it can be considered for future improvements. Thank you again for your review.
Gretchen,
Navy Federal Social Care Team
It was a quick and easy process
It was a quick and easy process. We were able to get the best rate possible through NFCU. It was a wonderful experience.
February 28, 2026
Reply from Navy Federal Credit Union
Thanks so much for sharing your feedback, Jody! We're so pleased to hear about the ease of your loan application and great rate. We're looking forward to our next opportunity to serve you!
Holly,
Navy Federal Social Care Team
I expected a lower interest rate
I expected a lower interest rate. Other than that I am happy with the service and my experience with NFCU.
March 9, 2026
Reply from Navy Federal Credit Union
West, thanks so much for taking the time to leave your feedback for us! We're so happy to hear about your positive experience with your loan. We're looking forward to our next opportunity to serve you!
Holly,
Navy Federal Social Care Team
I love the ease of which I applied for…
I love the ease of which I applied for and was approved for the loan. I also love the fact that when I went to pick up my check, everything was complete within minutes. Customer service was great.
June 22, 2026
Reply from Navy Federal Credit Union
Curtis, thanks so much for taking the time to leave your feedback for us! We're so happy to hear about your positive experience with your auto loan. We're looking forward to our next opportunity to serve you!
Holly,
Navy Federal Social Care Team
Excellent service
Excellent service, always there for phone guidance. Everything went smoothly and closed ahead of our expectations.
June 16, 2026
Reply from Navy Federal Credit Union
Thank you so much for sharing your experience, Earlaine! 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
I appreciate all the hard work the team…
I appreciate all the hard work the team put in with making the home buying process possible
July 13, 2026
Reply from Navy Federal Credit Union
Thank you for sharing this feedback, Fahneshia! We're happy we could provide assistance when you needed us, and we look forward to future opportunities to serve you.
Emma,
Navy Federal Social Care Team
Lack of communication
It was extremely hard to get ahold of all the agents. They never answered their phone, returned calls from left voicemails, or replied to emails.. Closing week was so incredibly stressful, I would not recommend NavyFed as a lender to anyone looking to purchase a house. They have great rates but at what cost and headache…
July 21, 2026
Reply from Navy Federal Credit Union
Kayla, I'm sorry to hear you haven't had a good experience with us. I hope we'll have an opportunity to provide the world-class service we strive for in the future.
Jessica,
Navy Federal Social Care Team
Best banking ever!!
July 30, 2026
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