Navy Federal Credit Union

About Credit Union

Navy Federal Credit Union (or Navy Federal) is a US credit union headquartered in Vienna, Virginia, chartered and regulated under the authority of the National Credit Union Administration (NCUA).  As of July 2018,Navy Federal had over $91.8 billion USD in assets, and 7.9 million members.

Since 1933, Navy Federal has grown from seven members to over eight million members. And, since that time, our mission has remained the same: to serve and enrich the lives of those in the military community.

“Once a member, always a member.” You can leave the military, change employers, move, retire, get married—yet always stay with Navy Federal. Your life is our mission.


Credit Union Services

Business Checking & Savings
Get the account that meets the needs of your growing enterprise. Our Business Checking and Savings accounts offer low fees and great dividend rates.

Business Loans
Ensure your company's success with our business loans. We offer loans for Equipment, Working Capital, Vehicles and Commercial Real Estate.

Business Credit Cards
Simplify purchasing with a business credit card. We offer business cards with no annual fee, competitive rates, valuable cash back, travel rewards and more.

Convenient Services
Manage your business efficiently. Simplify, automate and streamline your business with our mobile apps and other innovative products and services.

Retirement and Insurance
Find the best coverage for you and your employees. We offer a range of policy and coverage options to fit any type of business.

Merchant Services&Processing Services
Keep things running smoothly. Get help with billing, payroll and much more with TSYS, Square® and PayChex® Payroll Processing.



If under 18, visit a branch or call us at 1-888-842-6328 to learn about opening a minor membership account.

If you're an existing member and a parent, grandparent or guardian, share the gift of membership with your minor through our online application. 

Federal law requires that we obtain, verify and record information that identifies each person who opens an account, including joint owners. Within this application, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. Approval of your application may be delayed pending further verification of your identity.

Field of Membership determined by NCUA.

By submitting an application, you authorize Navy Federal to obtain a consumer credit report to evaluate your creditworthiness so that you may be considered for other Navy Federal products and services. You also authorize Navy Federal to obtain consumer reports for purposes of evaluating the membership application and reviewing any Navy Federal accounts you open. You understand these reports may be used in decisions to deny account applications, close accounts, and/or restrict accounts or services.

Why Join Navy Federal Credit Union?

Exceptional Service
Our stateside member reps are here for you 24/7. Reach us online, over the phone or at a branch. We always act in your best interest and are ready to serve you, no matter where you are.

Powerful Products With Great Rates
Get access to world-class member benefits, including great rates, exceptional service and the products and services you deserve.

Special Offers & Discounts
Enjoy member-exclusive offers and discounts that save you money on auto insurance, car rentals, credit monitoring and more.

Convenient Banking
With multiple ways to bank, you get access to your money the way you want it, when you want it—on your mobile device,* online, in person or at an ATM.



Ask a question, post a photo or just drop in to see what's happening at Navy Federal via Facebook or Twitter.

Lost or Stolen Cards?

Call 1-888-842-6328, 24 hours a day, to report fraud, suspicious activity or a lost or stolen card. Learn More

Mobile Banking

Download our mobile app* to check balances, pay bills, transfer funds and more, all from the palm of your hand. Learn More


  • What is Navy Federal Credit Union phone number?

You can call to Navy Federal Credit Union anytime, just use this phone numbers:

24/7 Member Services: 1-888-842-6328

Navy Federal Credit Union International number is 1-703-255-8837

  • Navy Federal Credit Union login

If you want to Sign In to Navy Federal Credit Union, please use this link

  • How to Sign In Online Banking  Navy Federal Credit Union

  • Navy Federal Credit Union locations

Yo can find Navy Federal Credit Union branches near you at

  • Navy Federal Credit Union routing number

Routing Number for Navy Federal Credit Union is 256074974 

  • Navy Federal Credit Union address

820 Follin Lane, Vienna, VA 22180

  • Navy Federal Credit Union General Mailing Address

Navy Federal
PO Box 3000
Merrifield, VA  22119-3000

  • Navy Federal Credit Union hours

Navy Federal Credit Union branches working mostly at

Mon-Fri: 07:30 AM - 04:00 PM,

Sat-Sun: Closed. 

  • Navy Federal Credit Union jobs

Looking for Navy Federal Credit Union careers?

Navy Federal values, celebrates, and enacts diversity in the workplace. Navy Federal takes affirmative action to employ and advance in employment qualified individuals with disabilities, disabled veterans, Armed Forces service medal veterans, recently separated veterans, and other protected veterans. EOE/AA/M/F/Veteran/Disability.

For specific questions about your application, contact our Talent Acquisition team at

If you need accommodation or assistance to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's ADA Analysts at 703-255-7338 or Please let us know what type of accommodation or assistance you need so we can assist you promptly.

  • Navy Federal Credit Union customer service

Concerned about making your consumer loan or credit card payments with Navy Federal? We can help. We offer members free, confidential, personal finance counseling.

Call for a free consultation: 1-888-503-7106x48492, 8 am to 8 pm, EST, Monday through Friday.

  • Navy Federal Credit Union app

Manage your accounts anytime, anywhere with our mobile app, an all-in-one personal finance tool for Apple®Android™ and Kindle Fire devices.

Set up alerts and quickly access your accounts with Text Banking. Type in short codes to get details about balances, transfers and more.

Easily access and manage your accounts on any mobile device through our secure mobile website. Learn more, or visit to get started.

Learn more about Navy Federal Credit Union app at

  • Navy Federal Credit Union credit card

24/7 Access to Stateside Member Reps
Reach us online, over the phone or at a branch. We’re ready to serve you, no matter where you are.
No Balance Transfer or Foreign Transaction Fees
To show how much we value our members, we never charge a fee to transfer an existing credit card balance to one of our cards. And, whether you’re stationed overseas or just traveling, we won’t charge you a foreign transaction fee.
Ability to Freeze and Unfreeze Your Cards
If you’ve temporarily misplaced your credit or debit card, you can freeze the card while you look for it. Once you locate the card, you can unfreeze it in seconds and continue using it.
Zero Liability Policy for Reported Unauthorized Transactions
Report questionable charges as soon as you’re aware of them. Our Zero Liability policy ensures you won’t be responsible for reported unauthorized transactions made in a store, over the phone or online.
Fraud Notifications
Using state-of-the-art fraud prevention systems, we monitor your accounts for fraud and unusual activity and will notify you if we see anything suspicious. 
Access to Your FICO® Score2
We want to help you build and maintain good credit, so we offer free credit scores for our primary cardholders. Using this feature isn’t reported to the credit bureaus and won’t affect your score.

Lean more about Navy Federal Credit Union credit cards:

  • Can civilians use Navy Federal?

If you have an immediate family member who has joined or one who's eligible to join, you can become a Navy Federal member. Immediate family members include grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members.

  • How much can you withdraw from Navy Federal Credit Union?

INCREASED Cash Withdrawal Limit at ATMs. The maximum daily withdrawal amount for Navy Federal Visa® Check Cards or CUCARDs® has been increased to$600 at participating ATMs. Since many ATMs dispense only $400 at a time, two transactions can be made at one or more machines to reach the daily maximum.

  • Does Navy Federal accept third party checks?

Navy Federal may require that third-party checks payable to a business may not be cashed, but must be deposited to a business account. All non-cash share purchases or payments made to the Business Savings and Checking Accounts will be credited subject to final payment of the deposited items.

  • Does Navy Federal Deposit early?

NFCU, like many military friendly banks and credit unions, offers early directdeposit as a courtesy to its military customers. However, NFCU only offers this benefit to members who use an Active Duty Checking account.

  • How do I endorse a check to Mobile Deposit Navy Federal?

To deposit checks online without a mobile device, you can simply scan the check, and it will be deposited into your banking account–it's that easy. Just follow the steps below. Select the "Make a Deposit" link under "Scan Deposits" and start scanning.

  • Can you withdraw cash from a Navy Federal Credit card?

With your Navy Federal credit card and PIN, you can get cash advances at ATMs displaying your card's logo (Visa or MasterCard®). There is no charge to use a Navy Federal ATM for a credit card cash advance; however, a small fee is charged at ATMs not owned by Navy Federal.

  • Does Navy Federal have a daily spending limit?

Daily Spending Limit on your Debit Card. In light of Black Friday and the holiday shopping season, we would like to remind you that there is a daily spending limit of $3,000 on point-of-sale (POS) purchases using your red Visa ® Check Card. Dailycash withdrawals are limited to $600 per day, per card.

  • How much does Navy Federal charge for cash advance?

The APR applicable to cash advance transactions will be a variable cash advance APR up to 2% higher than the APR for purchases. No fees for ATM cash advances if performed at a Navy Federal branch or an ATM. Otherwise, $0.50 per domestic transaction or $1.00 per overseas transaction.

  • Does Navy Federal charge ATM fees?

A $1.00 ATM service fee is assessed by Navy Federal for all transactions. ... ATM fee rebates at Visa/PLUS System ATMs—up to $10 per statement cycle—available with Flagship Checking, e-Checking and Campus Checking. Up to $20 per statement cycle for Active Duty Checking®.

  • Does Navy Federal cash checks?

Navy Federal ATMs: The first $200 per Business Day of cash or checks deposited at a Navy Federal ATM prior to the posted cutoff time will be available immediately for cash withdrawals only; it is not available to pay checks and/or other transactions until the remaining funds are made available.

  • What is my bank account number Navy Federal Credit Union?

Name as titled on NFCU accountAccount number to which the funds should be credited. Navy Federal's Routing/ABA Number (256074974)

  • How do I change my PIN number Navy Federal?

Activate your debit card by calling 1-888-842-6328 or sign into online banking and click "Account Services." You can also set or change your PIN using our mobile app.