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Why a Credit Union: The Navy Federal Difference

Choosing where you’ll put your money and who you’ll trust to help you reach your goals is a big decision. We’re proud to be the ones that Active Duty, veterans and their families turn to.

  • Trust

    Navy Federal Credit Union offers benefits that banks can’t. We’re not-for-profit, so our members are at the heart of everything we do.

  • Mission

    We don’t have customers—we have lifetime members, and our members and their financial goals are our mission.

  • Success

    We help you succeed financially by helping you learn about money management, and by looking at your entire financial picture when we review loan applications.

  • Exclusive Benefits

    We have member-exclusive offers and discounts, including great loan and savings rates.

See What Our Members Have to Say

Our Award-Winning Service and Experience

It’s one thing to say we’re all about service. It’s another to have industry leaders, members and our employees rank us as a top-performing financial institution.

  • Rated the Most Reputable Company in Financial Services by US RepTrak
  • Rated the Best Military Bank and Credit Union by Military Wallet 
  • Featured on GOBankingRates’ Best Military Banks and Credit Unions of 2021 List

Learn More about our awards

Our Members Are the Mission

Our Member Service Representatives work stateside, all day, every day, answering member calls. Last year alone, they answered 34 million calls. We get to know you on the phone and in the branches: all your questions, all the goals you're working toward—your own personal missions. And, we're here to help. Read real tips for real life, from our reps:


Real Tips for Real Life From Our Member Service Reps Around the World

  • I try to advise members to pay themselves first before paying any bills when it comes to saving. Start with a money market account and set aside as much as you can afford, or open a certificate if you don't need the funds right away. That way, if any unexpected life events occur, you won't have to go into debt to pay for them.

    Jamila M.
  • I recommend having multiple savings accounts for different goals and then adding them to your direct deposit so the money goes directly into them. It also allows you to stay on track within the timeframe you have set to accomplish your goals.

    Amanda J.
  • I always recommend setting up your monthly bills on Auto Pay through the biller. It ensures that your bills are paid on time to avoid late fees and potential credit marks. And, if you use your Navy Federal rewards credit card for your utilities, insurance, etc., you also earn reward points or cash back for paying your bills!

    Melanie J.

Operation: Toy Shark Adventure

A young member forgot her beloved toy shark at one of our branches. See how our reps reunited the toy with its owner and created some fun along the way.


The views expressed in the reviews are solely those of the individuals posting them. The testimonials are substantively the words of the individual reviewer, but may have undergone minor clerical revisions to ensure readability, add context, or protect private information. Any imagery displayed is for decorative purposes only and is not necessarily associated with the reviewer.