"Navy Federal Credit Union Guide"

Navy Federal Credit Union is the biggest credit union in the world, a distinction it has held since 1962. As far as credit unions go, Navy Federal is a great option for families nationwide with ties to the military. The credit union is known for providing a good customer service experience and offers an extensive branch networks.

In this post, we are going to walk you through Navy Federal Credit Union and what you need to know, including how to log in online, CD Rates, Routing Number, how to locate a branch or ATM, and how to apply for a credit card, mortgage, and much more.

This post will cover the following topics about Navy Federal Credit Union:

  • About Navy Federal Credit Union
  • Who can join Navy Federal Credit Union
  • Navy Federal Credit Union Login Help
  • Phone Number (Customer Service)
  • How to Find a Location Near You
  • Hours of Operation
  • Routing Number
  • CD Rates
  • How to Apply for Credit Cards, Loans, Mortgages
  • How to Find an ATM Near You
  • Mailing Address
  • Mobile App
  • Jobs & Careers

"Navy Federal - who can join, CD rates, routing number"

About Navy Federal Credit Union

Navy Federal Credit Union (or Navy Federal) is a global credit union headquartered in Vienna, Virginia. It is the largest credit union in the United States, both in asset size and in membership. As of 2020, Navy Federal has over $130.3 billion USD in assets and 9.6 million members.

Who can join Navy Federal Credit Union

To become a member of Navy Federal, you or one of your family or household members must have ties to the armed forces, DoD or National Guard.

If you qualify for membership, see the link below to join.

Membership in Navy Federal is limited to the following groups:

Active Duty, Retired & Veterans

Service-members in all branches of the armed forces are eligible for membership. This category includes:

  • Active Duty members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard, and Space Force
  • Delayed Entry Program (DEP)
  • DoD Officer Candidate/ROTC
  • DoD Reservists
  • Veterans, retirees, and annuitants

Family Members

Immediate family members of those in the military can join and includes:

  • Parents
  • Grandparents
  • Spouses
  • Siblings
  • Children (including adopted and stepchildren)
  • Grandchildren
  • Household members

Department of Defense Civilians

Membership is also open to DoD civilian personnel who support the armed forces. This category includes:

  • DoD civilian employees
  • U.S. Government employees assigned to DoD installations
  • DoD contractors assigned to U.S. Government installations
  • DoD civilian retirees and annuitants

Minor Membership

If you’re an existing member and a parent, grandparent, or guardian of a minor, you can share the gift of membership using the online minor membership application.

Minor membership is open to:

  • Children (including adopted and stepchildren)
  • Grandchildren

How to Join Navy Federal

First, you can join Navy Federal online.  You can apply for membership in about 10 minutes.

Also, you can even sign your children up for membership through the minor membership application.

In addition, you can sign up for membership by phone by calling 1-888-842-6328.

Lastly, you can sign up for Navy Federal membership by visiting a branch to apply in person.

What you Need to Join Navy Federal

When you apply for Navy Federal membership, you will need the following:

  • Social Security Number
  • Current home address
  • Driver’s license or government ID
  • Credit card or bank account and routing number to fund your account

Navy Federal Credit Union Login Help

If you are trying to log in to your Navy Federal Credit Union online account to see the status of your account(s), review recent transactions, update your information or perform other online tasks and functions, follow the steps provided below.

1. Visit the Navy Federal Credit Union Website

The first step when logging into your Navy Federal account is to visit the Navy Federal Credit Union website. The website can be found at navyfederal.org/.

Once on the site, locate the “Sign in” section of the page.

Depending on your screen, you will also see the “Sign ln” button, at the middle part of your screen.

For help, please refer to the screenshot below.

"Navy Federal Credit Union Login"

2. Enter your Username & Password

Once on the “Sign in” page, enter your Username and Password into the login portal as shown below.

Next, click the “Sign In” button to access your Navy Federal online account.

If you entered the correct information, you will be taken directly to your account.

"Navy Federal Credit Union Login enter username and password"

Navy Federal Account Locked (How to Unlock your Navy Federal Account)

If you are having trouble logging into your Navy Federal account or your account is locked, here’s what to do:

There are two possible reasons why you may be having trouble logging into your account.

First, you may have forgotten your username or password.

Second, you may have made too many attempts to log in to your account and caused your account to be automatically locked due to a fraud suspicion.

If you have forgotten your Navy Federal account username or password, click the “Sign In Help” link as shown by the image below and follow the instructions below on how to recover it.

"How to unlock Navy Federal account"

Next, you will be taken to a page, like the one below where you will have to enter the following information to unlock your account as shown in the image below:

  • Account Type (Debit Card, Credit Card, Savings Account)
  • Date of Birth
  • Social Security Number

Once you have entered the requested information, click the “Continue” button to retrieve your Username or to reset your password.

If you are having issues getting your account unlocked, you can call the Navy Federal Credit Union Customer Call Center at the number below.

"Navy Federal Login reset username and password"

Navy Federal Credit Union Phone Number (Customer Service)

For further assistance with your Navy Federal account or any other questions you may have, call the Navy Federal Credit Union Customer Service Phone Number at:

1-888-842-6328

You can talk to a real person anytime.

Member Services Representatives are available 24 hours a day, 7 days a week.

If you are calling from outside the United States, use the number below to call collect:

International Number: 1-703-255-8837 (collect)

Other important phone numbers

BUSINESS SOLUTIONS

1-877-418-1462

Representatives are available Monday through Friday, 9 am to 5 pm, ET.

COLLECTIONS

1-800-336-3767

Speak to a Collections specialist Monday through Friday, 8 am to 9 pm, ET.

Social Media

You can also contact Navy Federal via social media at the accounts below.

Connect with Navy Federal via social media to ask a question, report an issue or just tell them what you think.

IMPORTANT: For your privacy and security, never send account information via Social Media. For account-specific help, please call 1-888-842-6328.

Facebook | Twitter

For additional help with your MyDHR Alabama account or benefits in general, including SNAP, read our frequently asked questions below.

If you still need help or need to locate a Navy Federal Branch near you, follow the instructions below.

Navy Federal Credit Union Location Near You

The first step to locate a Navy Federal branch or ATM is to visit the Navy Federal Credit Union website. The website can be found at navyfederal.org/.

Once on the site, click the “Branches & ATMs” link as shown below.

"Navy Federal Credit Union Location Near You"

Next, you will be taken to a page like the one below.

Enter the address of your current location, your city, state, or zip code in the space provided to see the list of Navy Federal Branches or ATMs near you.

Note that the images will be color-coded as shown below.

The color codes will be for NFCU ATM, Navy Federal Branches, and FREE ATM. Be sure to click on the right image.

We have entered a zip code of 20770 as an example to show you how the Branch location finder works.

"Find Navy Federal Branch"

Navy Federal Hours of Operation

Due to COVID-19, branch operations at Navy Federal is limited. There are limited services you can access at full-service branches.

In addition, Expedited-Service Branches and Limited-Cash-Service Branches have restrictions.

For a full list of COVID-19 related limitations, requirements, and hours of operations for branches, click here.

Navy Federal Routing Number

Routing numbers are sometimes called ABA numbers or Bank Transit Routing numbers. This number is assigned to the bank or credit union by the Federal Reserve.

Each financial institution has its own nine-digit routing number that sets it apart from other banks and credit unions.

The Routing Number for Navy Federal Credit Union is: 256074974

This is provided right on the homepage of the credit union’s website.

To send a domestic ACH transfer to a Navy Federal account, you’ll need to use the ACH routing number 256074974.

CD Rates at Navy Federal Credit Union

Navy Federal offers 5 types of CDs:

  • Standard Certificate
  • EasyStart Certificate
  • Special EasyStart Certificate
  • SaveFirst Account
  • 3-Year Variable Rate Certificate

However, you have to be a member of the credit union to open a CD account.

For details about each CD, the minimum amount to open a CD account, and current rates, click here for our Navy Federal Guide and Rates.

Credit Cards, Loans, Mortgages

Navy Federal provides a wide range of credit services, including:

  • Credit Cards
  • Auto Loans
  • Mortgages
  • Personal Loans
  • Student Loans
  • Home Equity Loans
  • Loans for Motorcycle, Boat and Leisure Vehicles

To learn more, see if you qualify or apply, visit their website at navyfederal.org/ and click on “Loans and Credit Cards” as shown in the image below.

"Navy Federal Credit cards, loans and mortgages"

Find a Navy Federal ATM Near You

The first step to locate a Navy Federal ATM is to visit the Credit Union’s website. The website can be found at navyfederal.org/.

Once on the site, click the “Branches & ATMs” link.

Next, enter the address of your current location, your city, state, or zip code in the space provided to see the list of Navy Federal Branches or ATMs near you.

Note that the images will be color-coded as shown below.

The color codes will be for NFCU ATM, Navy Federal Branches, and FREE ATM. Be sure to click on the right image.

See further instructions above under “Navy Federal Credit Union Location Near You”.

What is the Mailing Address of Navy Federal Credit Union?

Here are the addresses for Navy Federal:

Headquarters

Delivery/Express Mail Addresses

820 Follin Lane SE
Vienna, VA 22180-4907

General Correspondence

PO Box 3000
Merrifield, VA 22119-3000

Other Addresses

If you need the address for Credit Cards, Debit Cards, Loans, Mortgage, or Home Equity Payments, click here.

Navy Federal Mobile App

Navy Federal has a mobile app, which is available for both Andriod and iPhone devices. Continue reading to learn more.

"Navy Federal Credit Union Mobile App"

The mobile app is easy to download and offers a convenient way to free yourself from needing a computer to access your account to see your balances, transactions history, and pending deposits, etc.

With the Navy Federal mobile application, you can perform the following functions right on your phone:

  • Card Management
  • Get Connected With Notifications
  • Transfers
  • Bill Pay
  • Mobile Deposits
  • Manage Your Username and Password

Follow the instructions below to download the app:

Click here for the Apple Store if you have an iPhone or Apple device.

Click here for the Google Play store if you have an Andriod device.

For those with Amazon Devices, the app can also be downloaded at the Amazon Appstore here.

Jobs & Careers at Navy Federal

Navy Federal prides itself on the career opportunities it offers, with the slogan “Anyone can offer benefits. We provide a fulfilling career and life.”

For more on Careers at Navy Federal, click here.

To see the current job listing or career opportunities at Navy Federal, click this link for Careers.

"Careers and jobs at Navy Federal"

Navy Federal Credit Union Summary

We hope this post on Navy Federal Credit Union was helpful.

If you have further questions about Navy Federal, Banking, or personal finance in general, please let us know in the comments section below.

Be sure to check out our other popular articles, including:

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