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 09/18/2021.
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2,640 reviews
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Navy Federal Credit Union
cigarjerry9128 @cigarjerry9128
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Verified Customer
I think this bank is amazing .I have been a member for 3 years . From my credit card to my banking needs they have always been super . One of many things they have helped with was I was traveling and my card acted up .They overnight delivery to where we were staying and we had it less than 24 hours later .No nightmare story like you find with other banks or long wait times .Just awesome people there to help .Thanks do much Navy federal!!!!!!
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Product: Navy Federal Credit Union Credit Cards
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Navy Federal Credit Union
Joalex Mercado @diazjoalex
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Unprofessional taking care of a credit card fraud online 3 different employees with super and extremely defensive with the company and not taking care or listen what customer needs Christine & Scott been a supervisor from credit cards departments I will rate you guys very poor performance next time listen the customer don't be the way that you did on the phone been negative
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Product: Navy Federal Credit Union Credit Cards
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Navy Federal Credit Union
Maryetta Smith @iloveyoudeven21
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Verified Customer
I have been a customer going on 15 years great bank and products and staff very professional and nice. I love the 24hr telephone service and their willingness to help all members through a financial crisis
I am so Greatful to know whatever it is I owe out there. My goal is to one day fix my credit score so I can be at peace with myself.
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Product: Navy Federal Credit Union Credit Cards
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Navy Federal Credit Union
Monte @montec_4
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Verified Customer
Great Credit Union to work with improving your credit score and giving a second chance to rebuilding your credit, give navy federal a chance to help you
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Product: Navy Federal Credit Union Personal Loans
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Navy Federal Credit Union
rjannisjr @rjannisjr
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Verified Customer
This is not my card it is my Fathers' card. I can rate my card as great and no problems so far. APR is too high as well. Still in process of getting it removed from my credit reports
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Product: Navy Federal Credit Union Credit Cards
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Navy Federal Credit Union
Darius @dariusl_7
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Verified Customer
No issues. Customer service is great. The loan process is very straightforward. Unfortunately, it takes a while to get the loans and the closing costs are high
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Product: Navy Federal Credit Union Mortgages
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Navy Federal Credit Union
maricin1964 @maricin1964
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Verified Customer
Great card with cash back. Prompt customer service. Reports to credit bureau on time. I've been with Navy federal for quite a long time and I'm happy with the professional service I've received.
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Product: Navy Federal Credit Union Credit Cards
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Navy Federal Credit Union
Alejandro @alejandromezajr06
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Verified Customer
It is the best bank to handle all of your finances. Forever! They are a community with your best interest in mind. You are the product.
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Product: Navy Federal Credit Union Personal Loans
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+1148 users submitted a rating without writing a full review
Navy Federal may pull an inquiry from any of the three major credit bureaus (Equifax, Transunion, and Experian) when evaluating a credit card application.
So if any of your credit reports is frozen, you should unfreeze them before submitting an application for a Navy Federal credit card.
However, your major credit reports contain nearly identical information. So if one includes negative information, the other two probably will as well. And if there's a mistake on any of your credit reports, you'll want to dispute that right away.
Keep in mind that applying for a Navy Federal credit card will trigger a hard inquiry on your credit report which may result in a temporary dip in your credit score. You can check and monitor your credit score for free, right here on WalletHub.
The Navy Federal credit card minimum payment is any amount past due, plus 2% of the balance owed or $20, whichever is greater. If your balance is less than $20, the minimum payment will be the amount of the balance.
Your monthly statement will display the total amount that you owe, along with your exact minimum payment and your payment due date. To view your statement, simply log in to your online account either through the Navy Federal Credit union website or your mobile app. Keep in mind that if you do not pay your minimum payment by the due date, you will incur late fees of up to $20. Navy Federal may also assess the late payment fee every month thereafter that you are past due.
As a primary cardholder, you're able to have three Navy Federal credit cards.
More credit cards could boost your credit score, which is important for getting loans and even saving on insurance rates. However, having multiple cards can also be riskier, as that increases your potential to rack up unsustainable debt. In addition to that, each new credit card account comes with another due date to remember and account to monitor.
Credit limits vary greatly depending on your income, credit score, and existing debt. But considering that good credit is required, your initial Navy Federal Platinum credit limit should be at least $3,000.
You will get travel accident insurance when you use your NFCU credit card to purchase your fare. This includes coverage for bodily injury or loss while traveling.If you're in need of travelling & emergency assistance you, your spouse and your dependents will have access to 24/7 emergency services.You can consult the terms in the materials that came with your card or you can call NFCU to find out exactly what's covered and what's excluded.
