Since 1933, Navy Federal has grown from seven members to over eight million members. And, since that time, its 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 -... show more
Eligibility
Find out if you are eligible to join Navy Federal Credit Union.
Navy Federal Credit Union Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/20/2026.
Navy Federal personal loans offer some of the best rates on the market, with APRs ranging from 8.99% - 18%. On top of that, Navy Federal offers both small and large loans, with $250 - $50,000 in funding available. The origination fee is 0%, too.
The main drawback to Navy Federal personal loans is that you can only apply for them if you are an NFCU member. You’re eligible if you’ve served in the military or if a family member has served (or is an NFCU member). Department of Defense personnel and their families are also eligible.
Navy Federal Credit Union Personal Loan Review Highlights:
APRs: 8.99% - 18%
Loan sizes: $250 - $50,000
Payoff periods: 6 to 60 months (up to 180 for home improvement)
Credit score requirement: Not disclosed
Origination fee: 0%
Other fees: $29 late fee
Reputation: NFCU is currently not rated by the Better Business Bureau. It has an average user rating of 4.0/5 on WalletHub.
Overall, Navy Federal personal loans are a great option if you’re eligible for membership in the credit union. Below, you can see how WalletHub rates Navy Federal in our three major categories: Terms, Requirements & Application, and Reviews & Transparency.
Navy Federal Ratings by Category:
Category
Editor’s Rating
Terms
5/5
Requirements & Application
3.8/5
Reviews & Transparency
3.3/5
Overall Score
12.1/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
Product: Navy Federal Credit Union Personal Loans
Comment
2
5
Navy Federal Credit Union
moonfortwo777 @moonfortwo777
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1 Star Rating
They just made a change this month, 05/2026, that appears to only allow for STATEMENT CREDIT and not actual cash back like it used to. Plus, you can only do this in $5.00 increments, unlike previously. And to make matters worse, I do not see the cash back balance being calculated as purchases clear. It went from my preferred card to the card I will be taking out of my wallet.
Trying to move money between Navy Fed accounts they treat you like a criminal. Almost as if they want to hold up your money for as long as possible so they are the only ones earning interest on it. Flagging transactions between accounts but no alert to tell you it has been flagged so the money just sits in limbo. No logs of prior calls to confirm transactions. You have to wait longer than if you transferred it to an entirely separate bank. Customer service is NO help, the supervisors are NO help.
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Product: Navy Federal Credit Union Checking
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Navy Federal Credit Union
FRANK @ken1112658
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5 Star Rating
Verified Customer
Used as 1 of my GOTO default cards with Navy Fed @ $25k limit
I used to love this Bank until a month and a half ago. Someone use my bank info and commit a fraud. I file a claim with the fraud department provided documentation from the merchant stating my information was due to fraud. Navy Federal declined me twice and basically said, I was responsible even after they had documentation from Apple stating they deemed it as fraudulent, I have not looked at this Bank the same ever since I am out of $220 Navy Federal Just do not care whatever happened to your funds being secured in a bank.
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Product: Navy Federal Credit Union Checking
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Laura Zadrozny @l_zadrozny
Your issue comes because when you are able to document the fraud then it is the responsibility of the Merchant to reverse the charges ... .. places like Amazon will collect the payment back from the merchant and then send the money back to your bank ... Navy Fed declined you because that is the proper process ...
It is federally required for the Merchant to return it to you since they allowed someone to fraudulently use your account.
And Navy Federal will generally cover the loss if it is promptly reported.
I have set up Text Authentication where any online transactions will text me to verify the charge before the payment is removed
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0
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Navy Federal Credit Union
Curtis McGrew @cmcgr017
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5 Star Rating
Verified Customer
Awesome credit Union willing to work with you in any situation!
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Product: Navy Federal Credit Union Mortgages
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0
0
Navy Federal Credit Union
Charles Giet @charles_giet
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1 Star Rating
Navy Federal has made an auto refinance so difficult for my girlfriend. She applied to refinance and was out of town visiting family in PR. When she got back she went to the bank and picked up the check to send to Toyota Financial. Then she saw her due date is in 10 days. She called NFCU and the man said he would extend the date out one month. A few days later her due date on the loan never changed and when she called back she got nothing short of absolutely total rudeness and they said you signed the contract, and if you dont like it then you can withdraw the loan and go through the application process again just to have the due date one month from today.
I did my loan through PenFed. Much better service. I asked to have my first payment pushed out a week because my car was being delivered to me and they extended it an additional 4 weeks in less than a minute.
The choice is clear who im doing business with from now on, Yes to PenFed, heck no to NFCU.
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Product: Navy Federal Credit Union Car Loans
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0
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Navy Federal Credit Union
Tyler M @dsdjf21
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1 Star Rating
Terrible - Customer service is subpar - everything moves at the pace of a snail - you call 5 different reps and get 5 different answers - processes are so outdated - Any major bank has NFCU beat by miles - I regret opening with NFCU and I am moving my business elsewhere
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Product: Navy Federal Credit Union Credit Cards
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0
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Navy Federal Credit Union
Lenny Sutherland @lennys111259
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1 Star Rating
On March 31, 2026, I went to the West Gate Drive branch in Durham NC. I withdrew 1,300.00 dollars from my Direct Express Card. I was given the money. The same day I was contacted and told that I would need to come back into the branch because there was a mistake in my transaction. I went back the next day. When I got to the branch I spoke to Kim and Jeremy (branch manager). They told me that the mistake was due to NFCU’s mistake. The 1,300.00 was taken off of my Direct Express card and money given to me, but somehow the transaction was not showing. They said that the money would be put back on the Direct Express card and that I would have to come back once that was done and give them back the money on the card. In the meantime, my NFCU account is showing a negative balance of 1,195.00. I am supposed to go back to the branch once the money is put on the express card; this will be the third time to get this resolved. From my point of view, once the money was taken off of the express card and given to me that should have been the end of it. All of this is ridiculous. NCFU needs to train it’s people.
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Product: Navy Federal Credit Union Checking
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Navy Federal Credit Union
Chase Merritt @chasem_9
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1 Star Rating
Verified Customer
Duplicate loan refinanced into other loan on account. No apparent way to fix without affecting credit score.
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Product: Navy Federal Credit Union Car Loans
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0
0
Navy Federal Credit Union
Dennis Evans @shiva_dre
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1 Star Rating
Navy Federal Credit Union is beyond pitiful; it is downright useless. Trying to buy a house in Arkansas where my wife and I are going to live. Currently, I am stationed in Alabama, doing the geo-bach thing. I have 1.5 million in my TSP, working GS for the navy, drawing a retirement check from the USN, drawing a healthy social security check from Uncle Sam, credit rating of 835, haven't missed a bill in 40 years, and have zero debt. What could go wrong? NFCU is treating me like a criminal. I had to justify where all my savings came from, repeatedly having to provide documentation on why I bought a truck in December and paid it off in February, and continuous verification of my income resources. Funny thing...all my money is with NFCU, all my previous loans were with NFCU. Now, three days before I am to close, they say they need to push it back a week. So now I have to leave my job early because they said they weren't sure what day exactly; I have airline tickets to Arkansas, going to be a week of wasted leave because I can't move into the house from our rental. They totally have no customer satisfaction. If I had known how stressful and miserable working with them is... what do they do with a person with no credit history? I certainly hope the rates drop right away so I can refinance and get away from them.
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Product: Navy Federal Credit Union Mortgages
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0
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Navy Federal Credit Union
follist_1718 @follist_1718
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1 Star Rating
I have found NFCU to be extremely imprecise in their administrative back office. Despite several phone calls to get data corrected, which was correctly written on the completed co-joint owner form from the start, it still was not altered after two attempts. Additionally, I have found their attitude to be subpar at times. I'm aware of a bank that offers the same conditions, such as cost-free balance transfers. I simply ended up choosing between the two and went with NFCU. If I need to make this choice again, it will not be NFCU.
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Product: Navy Federal Credit Union Credit Cards
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0
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Navy Federal Credit Union
Carlos Walker @cwalk0422
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1 Star Rating
As a customer, it is extremely disappointing to experience prolonged delays when attempting to resolve matters that require legal review or clarification. These situations are often time-sensitive and directly impact financial decisions, yet the response times seem unreasonable and lack clear communication or updates.
Customers should not be left waiting for extended periods without transparency or acknowledgment. Efficient communication and timely responses are fundamental expectations when dealing with a financial institution that manages people's money, credit, and financial security.
I respectfully request that Navy Federal Credit Union review its internal processes within the legal department and implement improvements to ensure customers receive prompt updates and reasonable timelines for resolution. Clear communication and accountability would greatly improve customer confidence and overall service experience.
I would appreciate acknowledgment of this complaint and information regarding the steps being taken to address these delays.
Sincerely, Carlos W
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Product: Navy Federal Credit Union Checking
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Review Navy Federal Credit Union
WalletHub Awards
Navy Federal Credit Union has won the following WalletHub Awards:
Get answers to your questions about Navy Federal Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
Navy Federal Credit Union has over 350 branches, including locations overseas and on military bases. In addition to their own network of ATMs, members also have access to over 30,000 CO-OP ATMs located at credit unions and retail locations throughout the U.S. without incurring fees.
For the most accurate and up-to-date information on branch locations, hours of operation, and available services, it's best to check the Navy Federal Credit Union website or contact customer service by phone at (888) 842-6328.
Navy Federal does not have a rewards calendar because no Navy Federal cards have rotating bonus categories incorporated into their rewards program. Rewards calendars only exist for credit card issuers that need to show cardholders how their rewards program will change throughout the year.
That said, there are some Navy Federal cards that still offer solid rewards despite not using a rotating bonus calendar. The Navy Federal Credit Union GO REWARDS® Credit Card, for example, offers great rewards on restaurants and...
Yes, Navy Federal does have an American Express credit card, the Navy Federal More Rewards American Express® Card. This card offers 1 - 3 points per $1 spent on purchases. Plus, you earn 20,000 points after spending $2,000 within 90 days of account opening (offer valid between 1/2/26 - 6/30/26). On top of that, this card has a $0 annual fee.
It's also worth noting that you'll also need at least fair credit to be eligible for the Navy Federal More Rewards Card. You can check your credit score for free on WalletHub to see where you stand.
What the Navy Federal More Rewards Card Offers:
You can earn 20k bonus points (a $200 value) when you spend $2,000 within 90 days of account opening. Offer valid for accounts applied for between 1/2/26 - 6/30/26.
Earn 3x points at restaurants and on food delivery.
You can get a credit limit increase from Navy Federal Credit Union by requesting one through your online account or by calling customer service at (888) 842-6328. You need to wait for at least 3 months after opening your account before asking for a Navy Federal credit limit increase. You should also wait a minimum of 3 months in between future credit limit increase requests. If you manage your account responsibly, you may even receive an automatic credit limit increase without asking...
The easiest way to apply for the Navy Federal cashRewards Secured Card is online, and you can get to the online application by clicking the "Learn More" button on WalletHub. Applying online is the fastest method and often leads to an instant response. Keep in mind that the Navy Federal cashRewards Secured Card is available to people with bad credit or better, which means it's easy to get approved. You can check your credit score for free here on WalletHub.
How to Apply for the Navy Federal cashRewards Secured Card
Yes, Navy Federal Credit Union does offer debt consolidation loans. You can take out a personal loan from Navy Federal Credit Union and use it to pay off existing debts, thus consolidating those debts into a single new balance with one monthly payment that you must make to Navy Federal Credit Union.
Quick Facts About Navy Federal Credit Union Debt Consolidation Loans
The Navy Federal credit card approval requirements include a credit score of at least 640 (fair credit), in most cases. You might be able to get other Navy Federal Credit Union credit cards with bad credit. You also have to be an NFCU member to apply for one of their credit cards.
In addition, the issuer will also verify your credit history and ability to pay. Your credit score, income, debt level, and other factors will help...
To get a Navy Federal cash advance, use a Navy Federal credit card and a corresponding PIN at a participating ATM and withdraw the cash, up to the card's available cash advance limit. If you do not have a PIN, contact Navy Federal customer service at 1-888-842-6328 to request one.
How to Get a Navy Federal Cash Advance at an ATM
Call Navy Federal customer service at 1-888-842-6328 and request a PIN, if you...
No, Navy Federal does not have any student credit cards. The best Navy Federal credit card for college students is the Navy Federal cashRewards Secured Card, since it is available to people with bad credit and has no foreign transaction fee. The Navy Federal cashRewards Secured Card also has a $0 annual fee. But it's not a “student credit card.”
While it's possible for college students to get Navy Federal credit cards, you may first want to check out WalletHub's editors' picks...
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* The information about the following cards has been independently collected
by WalletHub: Navy Federal Credit Union cashRewards Secured Credit Card and OneMain Financial BrightWay® Card.
