Navy Federal Credit Union
Navy Federal Credit Union

Wiring Funds

Wire Funds Electronically to an Account

Wire deposits can be made to your savings, checking, or Money Market Savings Account. We also accept incoming wires for mortgages, certificates, and loans.

To transfer funds to your account:

  1. Contact another financial institution to initiate an electronic wire transfer to your Navy Federal account.
  2. Please provide the following:
    • Navy Federal account number you want to receive the funds
    • Name as it appears on the account
    • Routing/Transit Number, 256074974

Download: Request for Wire Transfer/Western Union®

Funds will generally be wired and processed the same day or the next business day, depending on the other financial institution. Incoming funds are processed upon receipt and posted to accounts the same day if received prior to 6:30 pm EST. If funds are not received before the cutoff time, they will be posted the next business day. There is no fee to receive a wire, although other financial institutions may charge a fee to wire funds. International wires may incur additional fees from the receiving bank.

Funds credited to your Navy Federal savings, checking, or Money Market Savings Account can be transferred into other Navy Federal accounts, such as for the purchase of a certificate or to make loan payments.

SpeedPay**

SpeedPay allows you to electronically transfer funds from another financial institution to Navy Federal to purchase a Share or IRA certificate or contribute to an IRA. The transaction generally occurs the same day or next business day.

To request a SpeedPay:

  1. Call us at 1-888-842-6328, or at one of international numbers, or visit a local branch.
  2. Provide the representative with:
    • Your checking or Money Market Savings Account number from the other financial institution.
    • The other financial institution's Routing Transit Number.
    • The next available check number in your checkbook from the other financial institution. Record the check number, void the check, and deduct the transfer amount from the checking balance at your other financial institution, as though you've written a check to Navy Federal.
    • The type of certificate you want to purchase or the account to receive the funds.

**Navy Federal assesses a $1.00 fee for SpeedPay transactions to make loan payments.

Wire Funds Electronically from your own Account (Domestically)

  1. If you wish to wire funds to your own account at another financial institution for any dollar amount or to a third party and the wire is less than $5,000, you may do this by calling 1-888-842-6328.
  2. Any requests payable to a third party in excess of $5,000 must be requested in writing, and your signature is required. This can be accomplished by sending a fax request to:
    Funds Disbursement Section at 703-255-7739 or 1-800-552-1841. Optionally, a request may be made by sending an emessage by logging into Account Access.

Note: The fee for an outgoing domestic bank wire is $14.00.

Required information that must be included:

  • Your name, Navy Federal account number, and the amount of the withdrawal.
  • The name and full address of the receiving financial institution.
  • The ABA (routing) number, the payee's name, account number, and the type of account to which the funds will be going.

Wire Funds Electronically from your own Account (Internationally)

In order to comply with the Dodd Frank Act's Section 1073 on International Remittances, Navy Federal has partnered with Wells Fargo to send international wire transfers and provide foreign currency exchange.

If you wish to wire funds to an account overseas, Navy Federal now is able to send those funds in foreign currency or U.S. dollars. Wires that are payable to a third party and less than $5,000 can be requested by calling 1-888-842-6328. Wires that are payable to a third party and more than $5,000 must be requested in writing, and your signature is required. This can be accomplished by visiting a branch, submitting your request online via e-Message, or sending a fax request to:

Funds Disbursement Section at 703-255-7739 or 1-800-552-1841.

Wires in the amount of $25,000.00 or more will need to be sent to Funds Disbursement Section.

Note: International wires can take from five to seven business days for receipt of funds. The fee for an outgoing international bank wire is $25.00.

Required information that must be included:

  • Sort Code/International Bank Account Number (IBAN)/SWIFT number/CLABE
  • International bank name and address
  • Bank or account number to deposit funds
  • Name and address of beneficiary
  • Purpose of payment
  • Other information that may be applied depending on the country to which funds are being sent

Wire Funds Electronically to Your Navy Federal Loan

  1. Contact another financial institution to initiate an electronic wire transfer to your Navy Federal loan, credit card, mortgage, Checking Line of Credit or lease account. Check with them regarding limits on transfer amounts.
  2. Provide the other financial institution with the:
    • Navy Federal account number you want to receive the funds
    • Name as it appears on the account
    • Routing/Transit Number, 256074974
  3. Generally occurs same day or next business day, depending on the other financial institution. Processed on receipt, posts to account same day if received prior to 6:30 pm EST, or next business day.
  4. There is no Navy Federal fee to receive a wire; other financial institutions may charge.

Download Mortgage Wiring Instructions

  • Mortgages5/5 ARM as low as+
    3.403%APR
  • Auto Loansas low as+
    1.49%APR
  • Certificatesas high as
    3.00%APY
  • Checkingas high as
    0.45%APY
  • Credit Cardsas low as++
    7.99%APR
  • More Rates