at Navy Federal Credit Union,

Federally insured by the NCUA

Pros

High rates for share certificates.
No monthly fees on basic savings and several checking accounts.
Over 30,000 free ATMs, plus some checking accounts offer ATM fee rebates.

Cons

Small branch network.
0.25% APY on basic savings; better rates available elsewhere.

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Overall

4.5

Navy Federal Credit Union is the largest credit union in the country, with over 8 million members and a mission to serve those who serve our country.

 

Military-based membership: You can join Navy Fed if you’ve served in a branch of the U.S. armed forces on active duty or as a reservist, if you’ve worked for the Department of Defense or a DOD contractor, or if you’re immediate family of someone eligible for membership.

 

Why join: If you live near a branch or don’t mind banking online, you can find mostly no-fee checking and savings accounts and high rates on share certificates.

Ratings methodology | Updated Feb. 14, 2019

Checking

4.5
All five Navy Federal checking accounts earn dividends, and you can choose from some solid free and low-cost options.
Basic Savings Account
APY
0.25%
Min. balance for APY
$5

at Navy Federal Credit Union,

Federally insured by the NCUA

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Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
Straight garbage
After 20+ years! Yeah I’m disconnecting my business with navy fed! The service is crap!
Overall
Customer service
Poor
Website / app
Poor
Rates
Poor
Fees
High
NAVY FEDERAL USES EQUIFAX???
I always feel like I am missing money. This started about 3 years ago. One day I got a refund back from walmart on Saturday and I never saw it. About 3 days later NF had posted it ON SAT ( suppisedly they dont do ops in the weekend). I never saw it (200) and I complained. The other WHY IN THE HECK DO THEY USE EQUIFAX TO DECIDE ON LOANS ETC. The WORST OF THE BUNCH KNOWN FOR MISTAKES AND WHAT RECENTLY?, SABOTAGED AND HACKED OUR PERSONAL INFORMATION. LOCATED WHERE?? ALWAYS ALWAYS DISPLAYS THE WRONG SCORES. Terrible
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