Based on 40 verified reports, this firm maintains a 86% trust rating within the Saving Traders community.
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"Navy federal made our mortgage easy and peaceful, they communicated with us every step of the way and was very precise with getting paperwork sent to us. Even the closing went smooth in a timely matter and we are now proud homeowner i will definitely recommend Navy Federal to anyone who 8s looking to purchase a home"
"NFCU has products that my entire family and I use, they really have something for everyone. Their competitive rates are definitely worth my business."
"Professional Service"
"The process with Navy Federal went seamlessly smooth! Nastasha and Cebo held my hand every step of the way. They were very responsive to my questions and concerns and could see they really love helping people."
"Great customer service! Representative was knowledgeable and gave the correct information!"
"Incredibly easy they make managing your money through their top-rated mobile app. After few years of membership, their early direct deposit options offered (although I haven't taken advantage of it yet), and completely fee-free checking deliver an incredibly smooth, stress-free daily banking experience."
"I really felt that all of the team members in the process actually cared."
"It was a very long process but it got finished and we are happy with our home, thanks for all the hard work to make this happen."
"It was seamless"
"Very courteous and professional. Friendly and very helpful."
"They are very professional and transparent"
"I closed two checking accounts and a credit card expeditiously. Been with them for about 4-5 years, but in 2026, their service has gone downhill. My horrible experience started when I disputed a transaction and uploaded the documentation via the app, and 3 weeks later I got a notification that my dispute had been closed because they didn't receive the documentation that I uploaded. Then, I was ordering food, and I got a screen notification that said "keep your account safe," but the system didn't do anything; it froze, and I had to hold for 45 minutes to resolve that minor issue. Their service has gone downhill; I don't trust their ineffective systems and went back to Citibank and haven't had any issues since."
"Very convenient bank helpful with all things banking"
"I want to make a complaint and I was on hold for 1/2hour and was hung up."
"I enjoy Navy Fed, great customer service"
"My rate is incredible. The portal is easy to use. But you’re only able to make a single payment or if you want to do auto pay, you can only set it on monthly payments. You can’t set up biweekly payments online (you have to call in, “ain’t nobody got time for that”), which most people do to squeeze in an extra payment each year."
"The speed of the loan was great!The loan went smoothly. The interest was incredibly high. On a credit card level without the points. I heard that within 60 days I can try to get a reassessment with $2,500 payed up to that date. Can you verify this? Thank you in advance"
"I like all what the company is doing, the best of my banking experience compared to other banks."
"NFCU is the best! Always on time with messages, news and important information about our account!"
"my experience is a mixed bag. I got great support for a loan and on closing day, I had to walk away. My loan getting recoded to a different loan took a life on its own and did not factor in any urgency or information that was already available. I had to resend basic information that NFCU already had. My orders were requested again. Pays stab requested again. The process requires an overhaul to triage for service members who are in extremis. If you are not in a hurry, NFCU may be beneficial because their rates are generally lower but you may run into issues if you have to close quickly to support your unique situation."
