Navy Federal Credit Union

Customer for life!! I've been with NFCU a few years and I've yet to be disappointed. I rarely have to call customer service but when I do, it's a satisfactory result. My card was skimmed 3 times in 5 months and the fraud dept was on it! They blocked most transactions and the ones they couldn't, I was given a credit immediately. And they even sent a new card next day! On top of that, I've had to use the $500 OOPS which has been a lifesaver. I love their app and technology and I appreciate that the customer service is in the US. They have a forever customer.

Published at a month ago

I had checked the reviews previously for this branch, it wasn't good. I made an appointment since we're coming to speak with a representative. All went well. Ate Cherrie was great. My personal opinion. If it's an important matter, schedule ahead. If you can wait, then just walk in. But remember, this branch covers a whole northern area. So be mindful of that information and plan ahead. Be nice, be courteous, be kind.

Published at 6 months ago

Nfcu has denied my claims, I made against shady companies 4 different times. I can't stand this. They ask for paperwork, but in some situations it's all over the phone. So the representative said it's my fault for not getting things in writing. This is wrong. I'll be looking for a new bank. Nfcu will not protect you

Published at 2 months ago

Even though wait times may be long, super good service from all the staff there. Friendly can-do attitude. We were served by Armando, awesome customer service orientation and communication.

Published at 4 weeks ago

Worst service ever. We were on travel to California from North Carolina and stopped in the Vacaville branch. My husband went in to make a withdrawal from our joint savings. He provided the account number to the teller. There was one teller and the branch was packed. She told him she had to verify his account first. He had a savings account that probably has $5 in it and couldn't remember the number. She found it but it had our old address. We changed our address when we moved. We have a mortgage, checking, savings and credit card, why wouldn't it have changed on all? She then proceeded to spend about 20 minutes updating his $5 account before allowing him to withdraw from our joint account. By this time people were lined up out the door. Total inefficiency and she was also rude. We have been members since 1992 but this was the worst experience ever!

Published at 3 months ago

Took my nephews to open up accounts. I stepped out the branch to use the phone and when I walked back up to the door they said it was closed and they couldn't let me back in for security reasons. I walked in with them initially. Before locking the door the guy standing facing the door could have asked if I wanted to come back in being that I'm the one he told it would be a 30 minute wait for them. It would be okay if they'd apologized for the inconvenience instead of staring at me like I was trying to rob them. I guess I get it but I don't like it. They're lack of customer service is what prompted this review.
Update, while outside I noticed an exchange with another customer/member. I asked my nephews about it and they said the member in the branch after being helped sat in a chair near the door on the phone. He was approached by staff and asked if he was done with his business at the bank and he said give me a minute I'm on the phone. The staff member continued asking if he was done and if so he needed to leave. There were still people in line to be helped and my nephews and others were still waiting for bankers to assist them. Interrupting him while he was on the phone was extremely rude and unnecessary.
This branch needs lessons in customer service and engagement.

Published at 5 months ago

I was greeted as I walked in. No waiting , lady that helped me was friendly & professional. Was out in 7min. Best of all No Charge for Non member to cash a check from one of their member....As I looked around there was plenty of workers ready to help & the place was clean.

Published at 3 months ago

I recently applied for a home equity loan with Navy Federal Credit Union, and I'm extremely disappointed with the entire process. The appraisal for my home came in shockingly low, and despite raising concerns about its accuracy, the credit union failed to take any action.

One of the comparables used in the appraisal was 28 months old, which is far beyond the industry standard. Additionally, there were several other errors, including discrepancies in square footage and even an incorrect appraisal date, which underscored the overall sloppiness of the report.

Despite presenting a strong case for a second appraisal, Navy Federal provided a dismissive one-paragraph response, stating that there was nothing they could do. I would have thought that such a bizarre situation would have been investigated and followed up on.

As a member of a military family, I expected a higher level of service and understanding from an institution that supposedly values its military clientele. To anyone reading this and thinking I'm just ranting, look at my review history. This is the only time I've given a 1-star review.

Published at 7 months ago

Just have to say it is super busy and Im in line currently! Line is going fast but I want to say that the woman at the front greeting people is a very kind woman. A blind woman came in and bc its busy she took her name and told her to sit down and someone will personally be her teller. How sweet! I havent even spoken to anyone yet and people are being very kind.

Published at 5 days ago

Published at 3 weeks ago

Even though wait times may be long, super good service from all the staff there. Friendly can-do attitude. We were served by Armando, awesome customer service orientation and communication.

Published at 4 weeks ago

Customer for life!! Ive been with NFCU a few years and Ive yet to be disappointed. I rarely have to call customer service but when I do, its a satisfactory result. My card was skimmed 3 times in 5 months and the fraud dept was on it! They blocked most transactions and the ones they couldnt, I was given a credit immediately. And they even sent a new card next day! On top of that, Ive had to use the $500 OOPS which has been a lifesaver. I love their app and technology and I appreciate that the customer service is in the US. They have a forever customer.

Published at a month ago

Nfcu has denied my claims, I made against shady companies 4 different times. I cant stand this. They ask for paperwork, but in some situations its all over the phone. So the representative said its my fault for not getting things in writing. This is wrong. Ill be looking for a new bank. Nfcu will not protect you

Published at 2 months ago

I was greeted as I walked in. No waiting , lady that helped me was friendly & professional. Was out in 7min. Best of all No Charge for Non member to cash a check from one of their member....As I looked around there was plenty of workers ready to help & the place was clean.

Published at 3 months ago

Worst service ever. We were on travel to California from North Carolina and stopped in the Vacaville branch. My husband went in to make a withdrawal from our joint savings. He provided the account number to the teller. There was one teller and the branch was packed. She told him she had to verify his account first. He had a savings account that probably has $5 in it and couldnt remember the number. She found it but it had our old address. We changed our address when we moved. We have a mortgage, checking, savings and credit card, why wouldnt it have changed on all? She then proceeded to spend about 20 minutes updating his $5 account before allowing him to withdraw from our joint account. By this time people were lined up out the door. Total inefficiency and she was also rude. We have been members since 1992 but this was the worst experience ever!

Published at 3 months ago

They need to keep the young women working here in the offices not at the front desk. Cause the dudes come up and they act like theyve never seen a pretty woman before and they just get to flirting and talking. Like theres not a whole line of people waiting on they turn so they can get up out of there. Them lines be moving slow because the men just keep flirting and talking. Stop flirting And striking up conversations that these women have to pretend to care about, getting distracted, holding up the line.

Published at 5 months ago

Took my nephews to open up accounts. I stepped out the branch to use the phone and when I walked back up to the door they said it was closed and they couldnt let me back in for security reasons. I walked in with them initially. Before locking the door the guy standing facing the door could have asked if I wanted to come back in being that Im the one he told it would be a 30 minute wait for them. It would be okay if theyd apologized for the inconvenience instead of staring at me like I was trying to rob them. I guess I get it but I dont like it. Theyre lack of customer service is what prompted this review. Update, while outside I noticed an exchange with another customer/member. I asked my nephews about it and they said the member in the branch after being helped sat in a chair near the door on the phone. He was approached by staff and asked if he was done with his business at the bank and he said give me a minute Im on the phone. The staff member continued asking if he was done and if so he needed to leave. There were still people in line to be helped and my nephews and others were still waiting for bankers to assist them. Interrupting him while he was on the phone was extremely rude and unnecessary. This branch needs lessons in customer service and engagement.

Published at 5 months ago

Published at 6 months ago

The best banking institution ever!!!

Published at 6 months ago

I had checked the reviews previously for this branch, it wasnt good. I made an appointment since were coming to speak with a representative. All went well. Ate Cherrie was great. My personal opinion. If its an important matter, schedule ahead. If you can wait, then just walk in. But remember, this branch covers a whole northern area. So be mindful of that information and plan ahead. Be nice, be courteous, be kind.

Published at 6 months ago

The staff is awesome, but it takes forever to get anything done inside, since most of the time theres only 1 or at most 2 tellers opened. The ATMs are the slowest and today both were not working.

Published at 6 months ago

Published at 6 months ago

I recently applied for a home equity loan with Navy Federal Credit Union, and Im extremely disappointed with the entire process. The appraisal for my home came in shockingly low, and despite raising concerns about its accuracy, the credit union failed to take any action. One of the comparables used in the appraisal was 28 months old, which is far beyond the industry standard. Additionally, there were several other errors, including discrepancies in square footage and even an incorrect appraisal date, which underscored the overall sloppiness of the report. Despite presenting a strong case for a second appraisal, Navy Federal provided a dismissive one-paragraph response, stating that there was nothing they could do. I would have thought that such a bizarre situation would have been investigated and followed up on. As a member of a military family, I expected a higher level of service and understanding from an institution that supposedly values its military clientele. To anyone reading this and thinking Im just ranting, look at my review history. This is the only time Ive given a 1-star review.

Published at 7 months ago

DO NOT MAKE AN ACCOUNT HERE. Navy Federal Credit Union allowed someone to steal my identity and make a fake account. Then their fraud department would not even speak to me and a supervisor who would only identify themselves as Chelsea told me an investigation would take up to six months. This bank is absolutely NEGLIGENT. Take your business elsewhere!

Published at 7 months ago

Published at 8 months ago

Can they open one branch in Pittsburg or Antioch because its too far for us and we just relocate here and we only take uber. Pretty please

Published at 8 months ago

I came in this past week I asked to speak to a banker regarding a deposit. The man who greeted me denied My request and had me go talk to a teller. The teller takes my check to the manager, who gave it to another manager, who literally told me in front of everybody else that was in line, This check is not gonna clear because of the formatting. They didn t process it they didn t call to verify the funds. Nothing literally embarrassed me in front of everybody as if I was committing fraud or my check was bad. This was the most terrible /embarrassing banking experience I ve ever experience and me and my three children are members and we re going to be no longer members moving forward.

Published at 9 months ago

Lashawn did an excellent job with customer service. Was a huge help to my concerns.

Published at 10 months ago

Came in person for teller services. Can t speak for over the phone service. I agree with others, this place is stretched thin regarding their staffing level and size of the branch. It s the only NFCU within a 50 mile radius while serving several densely populated cities in the local area. We can t control the NFCU staffing levels, the size of the branch, or how many customers come in for banking services. But if you are patient and willing to show a little grace to the employees, they are very receptive. Have a happy new year everybody!

Published at 10 months ago

Denied and blocked went in person got approved 2 days later they said I made a fraudulent membership I m 21 black man you know the news on navy this is pure racism in 2023 do not use them

Published at 10 months ago

BELIEVE THE OTHER BAD / DISORGANIZED REVIEWERS!!!!!!!!!!!!!!!!!!! They magically had phone issues and couldnt hear me, (even though my next phone call lasted more than an hour without issue, not to NFCU). They asked if I could use chat (which was disabled), or drive to the closest branch (more than an hour away). So, I cant call them, I cant chat with them, So my only options are to drive in? Ok, but Ive been waiting more than an hour, with no sense of urgency on their part, nor any privacy (all interactions are in the public space without walls or dividers ( with nearly 20 people standing in this same area). And one employee doing absolutely nothing besides typing or reading on her pc for more than an hour. The line is now out the door.

Published at 10 months ago

Great service. Clean environment. Always professional.

Published at 11 months ago

Very small branch, always a very long line and wait

Published at a year ago

Nothing personal to this particular branch but Navy Federal Credit Union is not somewhere our military members and veterans should do business with. Their offer was worse than other credit unions not affiliated with the military, and was disrespectful to be quite honest.

Published at a year ago

Finally a financial institution thats on YOUR side. I needed a Medallion Signature Guarantee and it was quick and painless. Been a member for 35+ years and am looking forward to the next 35.

Published at a year ago

Really disappointed in this credit union. I waste 5 hr of my day. Getting an auto loan and just get door shut in my face by some lady saying there closed. Granted I drove a 100 miles to get there and made it at 1:58 and doors were locked. Even though I got approved for loan. I didnt get the car I wanted because some lady locked the door earlier. Fortunately I will take my business elsewhere.

Published at a year ago

I ve been to a lot of NFCU locations around the US and this is the most unorganized NFCU I ve ever been to. It s just chaos

Published at a year ago

I have had the absolute worst experiences with this bank, I am waiting for a check to clear which my aunt had sent me for my birthday and then Ill be closing my accounts with them. Im too exhausted from dealing with them the last few days and over the weekend over them clearing this check which has been perfectly okay from the beginning that I cant go into all the details all themessed up things theyve done. Yesterday a so-called specialist even read to me what the legal ramifications would be if I were trying to defraud the bank by putting this check in my account. Long story short they finally decided when there were no more options for them to deny it, that they would hold the check for the maximum of five business days before releasing the funds to me Im hoping my review of them here doesnt add time to that, it wouldnt surprise me, but at this point I dont care Id rather get it off my chest and let other people know not to deposit their money here.

Published at a year ago

Prepare to stand in line forever

Published at a year ago

I had a rather unpleasant experience with a staff member named Christle or Christelle, or whatever her name was, from the fraud and compromise account. It seemed like she struggled with night/early morning shifts and approached phone calls with a negative attitude. To make matters worse, she kept me on hold for a frustratingly long 30 minutes, and I couldnt even complete the survey.

Published at a year ago

Hands down best credit union to be a member of. Known For high limit credit cards and relationship banking, Navy Federal is a top-tier bank.

Published at a year ago

Navy Federal Credit Union is absolutely a scam. They require a $5 buy-in for them to tell you that they absolutely will not help you with anything. Bypass this disingenuous credit union before they steal that $5 from you; they do not care that you are a veteran, they only care about what they can take from you.

Published at a year ago

I was going to give a one star but Cherri with her awesome customer service turn things around. I was told they didn t have money for me to withdraw the amount I needed. Cherrie made away to make things work and making me feel at ease. Thank you for your service Cherrie

Published at a year ago

NFCU is the most messed up bank Ive ever dealt with. They dont give thorough instructions about anything on the website. They have no dedicated portal to upload documents, just email them. Their app makes you and we 5 challenge questions but not the ones you answered.

Published at a year ago

UPDATE: Total wait time was 2 hrs 18mins! Sitting in the bank now for well over an hour waiting to get a wire transfer done! It should not take this long to transfer money!

Published at a year ago

The service has gone done tremendously especially since the remodeling. I once came in, and two tellers were talking to each other, and not one time did they look up and acknowledge that I was waiting. More than 5 minutes passed, and it wasnt until another teller returned from the back that the first two realized I had been standing there. More often than not there is always a line. Very disappointed

Published at a year ago

I THE NAVY FEDERAL CREDIT UNION & NAVY COLLEGE FOOTBALL TEAM & U.S NAVY

Published at a year ago

Published at a year ago

I received an insurance check from a life insurance company to bury my dad. I drove from Stockton to Vacaville to deposit the check, they give me a receipt & told me the funds will be available in 2 days. I went into the branch on 11/7, they told me funds will be available 11/10, the funeral for my dad is on 11/11. I get an email a day later saying they put a security hold on the check for an extra 7 days. Ummmmm I have bury my dad on 11/11, you told me the funds will be available, now they moved the date to 11/16 on when funds will be available. I can t even bury my dad! I have been on the phone for hours & all they could tell me is there s nothing they can do to help me. So this is how they treat their veterans, I just want the world to know, I can t bury my dad because of a bank!

Published at 2 years ago

U.S NAVY 2022

Published at 2 years ago

I will never leave this bank. The customer service is the best there is. Anyone that can bank with them should.

Published at 2 years ago

Customer service very friendly and helpful...

Published at 2 years ago

Published at 2 years ago

I have had Navy Federal for years and never had a problem. It is the best credit union ever!!

Published at 2 years ago

They are so nice and helpful,I went in and made an account within 10 minutes. (: I thought the bad reviews were true but they were not.Just come in and see for yourself.

Published at 2 years ago

I visited this branch today and I had the worst experience ever!! I ve never felt more discriminated against in my life!! I went see the security transfer agent to get a medallion signature. When she approached me she had the stamp in her hand but took one look at me and said very rudely I m not signing that I finally got her to at least take a look a my documents. She took a copy of my contract but still refuses to stamp it. Those documents had my signature and social security number on them. She never returned them. Also stated the UCC code to her which she was very ignorant. According to Section 8-401 of the UCC The transfer agent is liable to persons presenting certificates or transfer instructions for losses resulting from any unreasonable delays in registration or from a failure or refusal to register the transfer, pledge, or release. In view of this liability, registered transfer agent should implement sufficient internal controls to ensure that securities transfers are not delayed by the rejection of acceptable signature guarantees. One example of an appropriate internal control is to have an appropriate level of transfer agent management review all rejected signature guarantees and any related follow-up there to. This branch can use a diversity training coarse. I plan on filing a complaint with the Secretary of State etc.

Published at 2 years ago

It is a relief to have a Navy Fed branch in the upper California area since there barely any military presence. The lines were short and I was greeted with a warm welcome.

Published at 2 years ago

ATM ate $109. And they refuse to call back. Ill get a hold of someone then be told Ill get a call back the next day. Well now its been almost a month, where is the phone call from the person who did the audit like I was promised. At this point theyre basically thieves.

Published at 2 years ago

Published at 2 years ago

Intially Spent 20 minutes on hold just to ask a simple question. Between having to be transferred several times and holds the call ended up being 35 minutes. Dont bank with navy federal if timely customer service is what youre looking for. Theyd rather have you talk to an automated system or go on line.

Published at 2 years ago

I m really consider another Bank. For some reason transactions are being made with out me authorizing them. It s highly frustrating when 2000 dollar are being automatically transferred. SMH, no more online banking for me.

Published at 2 years ago

Blessings to every veteran and there family

Published at 2 years ago

Navy federal since 2002, have had not a problem ever. Had my vehicle stolen which also contained my wallet. All ID s, credit cards gone important note I m from out of state, on business trip. Navy federal was down the street so I went to store. I went in and sat down with a representative of navy federal. She asked for ID, I explained the situation. She told me to leave the bank and they could do nothing. She did not even want to turn off my card report fraud nothing. Just said get out! This bank needs a plan for events that warrant immediate remedy. Needless to say after the affairs have been fixed I m still debating moving banks. Out of all the events that morning that took place the bank I have trusted told a customer to get out in the most needed moment.

Published at 3 years ago

Had to stop by to handle some business. With family and for job project. Been with Navy Fed 32 years. Great Smiles in side. Big Broom A2B Blessings

Published at 3 years ago

Cant believe how great navy federal is hands down the best !

Published at 3 years ago

I LOVE being a member of Navy Fed. I have the absolutely lowest interest rate credit card. I have an inexpensive and simple-to- get auto loan with them. The 24/7 customer service is super convenient and the reps are ALWAYS friendly and helpful. And the iPhone app is superb! I wish all apps were as easy and intuitive to use. Love, love, love Navy Fed! Ok

Published at 3 years ago

Best Credit Union

Published at 3 years ago

Customer service could use improvement. My wife and I waited 30 minutes in the line in the cold and rain only to be told that they could not provide the service we needed due to covid. A sign or if the greeter announced the limited services occasionally could have saved us a lot of time.

Published at 3 years ago

Published at 3 years ago

Best bank in America. If you think different...you are wrong.

Published at 4 years ago

Published at 4 years ago

Navy Federal is the WORST Bank I have experienced. If you are military GO TO USAA they take care of military families and always show great customer service. My exs sister was able to walk in to a branch location and pretented she was me without an ID and fake my signiture to remove me from my account and took all my money. NFCU does not protect your privacy and my family and I have experienced many other faudulent activites. DO NOT BANK HERE

Published at 4 years ago

Published at 4 years ago

Published at 4 years ago

Terrible customer service. Anytime I use my card online they cancel my card and tell me to come into the branch, which is an hour and a half away from my house. I told them I m just going to cancel my account, their response was that s fine, we have plenty of customers What a fine way to treat your veterans. A horrible company.

Published at 4 years ago

Awesome, Fabulous, Kid friendly!!!

Published at 4 years ago

Published at 4 years ago

Published at 4 years ago

Published at 4 years ago

Took me through pure hell with a fraud claim where someone got a hold of my personal information. BECAUSE THEY SENT A PRREACTIVATED... [[[A PREACTIVATED]]] CARD TO MY MAIL. Automatically upgraded my credit line WITHOUT ASKING ME FIRST. And the day it arrives, someone stole my mail. They have made me suffer for it immensely. Ill be closing my account and going to USAA tomorrow. Absolutely abysmal.

Published at 4 years ago

Excellently customer service.

Published at 4 years ago

Navy Federal is the worse for Mortgage Loans, they take 60-90 days to close! No seller is going to wait 90 days for a loan to be process, the communication is horrible they take 1-2 weeks to get back to you and cant even give you an update of why the process is so slow. Worse experience ever! Would never recommend them!

Published at 4 years ago

Published at 5 years ago

Published at 5 years ago

After 25+ years with NFCU, I am closing all my accounts, satisfying all my loans and severing ties with the institution. NFCU lacks the national and global infrastructure, transaction mechanisms, policies and customer service required of someone who sometimes needs acessa to his money within minutes and hours, anywhere in the US or world. Furthermore, NFCU offers no more and sometimess less competitive rates than other financial institutions. So whats the motivation for staying? For those who live and travel more than 5 miles from a physical branch, I cant recommend NFCU. -- former Marine

Published at 5 years ago

Published at 5 years ago

These people when I was 36 days late on a card dinged my credit as they should. My daughter was an authorized user only and NOT responsible for payments - as they admit. They reported the late to her credit profiles which took a 190 point hit from 840 to 650! I have drafted a summons and complaint which will be filed in Sacramento Superior Court on 30 April 2019. Thank God I am a law school grad and JD !

Published at 5 years ago

Published at 5 years ago

Worst credit union to get a loan through. CU will not work with you. Avoid getting a loan especially a mortgage. Having a NFCU mortgage is a big mistake that will cost you a lot in the end.

Published at 5 years ago

I love the service here. I was in San Jose on business and I live over 2,500 miles away. When I say Navy Federal broke their neck to make sure I was accommodated!!! They were truly a life saver. Literally at the drop of a dime two branches on different coasts joined forces to come up with a plan to help me when my wallet was stolen. I just don t tell you how on time they were. They even stayed open later and waited for me after one of my trains from San Jose was running late.

Published at 5 years ago

Published at 5 years ago

Published at 5 years ago

Worse than non-military institutions. Closed my accounts without notice.

Published at 6 years ago

Been with Navy Federal 20 plus years so Im kinda biased they rock!!@!@

Published at 6 years ago

Published at 6 years ago

I am activate duty currently they approved me for a pre approval of 50k the interest rate is a joke at 12 Iv never had a late car payment or anything I do have a few dings on the credit but over all Iv been a loyal customer for 8 years and never been late on anything to them they get my paycheck directly from DFAS but the moment I change from trading in my car to trading in my bike while sitting at the dealership I get denied they people are kind but as a business serving military they have continually dropped the ball at least In my book

Published at 6 years ago

Published at 6 years ago

Everyone is always so helpful and friendly at this branch!!

Published at 6 years ago

Great Bank!

Published at 6 years ago

Struggling vet with ptsd had account over 12 years ago paid off my loan they had with them. They apparently didnt update it right in there system and banned then for life from holding an account there. For a bank that is pro military its a shame they cant help a disabled vet 12 years later who made 1 mistake in a rough period in there life. Pitiful

Published at 6 years ago

Published at 6 years ago

First and only time actually going to a branch after several years banking with NFCU. First and only time Ive been let down by Navy Federal. Put me in an incredibly tight spot and showed no empathy for the situation. Very disappointed

Published at 6 years ago

Published at 7 years ago

This place is the best. The staff is awesome and very enthusiastic. I even took a selfie with the employee that help me with my account. It was very delightful, the employee was full of energy with a wonderful presence. My experience with this branch on customer service is truly awesome. Job well done. Thank you.

Published at 7 years ago

I love my bank

Published at 7 years ago

Published at 7 years ago

Published at 7 years ago

Published at 7 years ago

Published at 7 years ago

Good customer service and love my bank

Published at 7 years ago

great staffing

Published at 7 years ago

Very bad experience with this Credit Union. They have been restricting my accounts for almost a month!!!

Published at 7 years ago

Published at 8 years ago

Published at 8 years ago

Published at 8 years ago

Its convenient to make bank transactions.

Published at 8 years ago

Published at 8 years ago

Hello everyone, I normally dont write reviews but this is one that I have to write. I have read more good then bad reviews about this bank and decided to give it a shot. I am so glad I did. I just opened an account and they have been so helpful with me. I have several credit card with big names and this is by far the best credit card out there. I also just got approved for a personal loan for upgrade on our new home. All of this was done online and yes I did call to verify some information but beside that the whole process is painless. I will definitely recommend this bank to my friends and family and no I am not one of those reviewers that get paid for writing reviews for some businesses either. I have read reviews about that. I am your average american that works hard for his money and NFCU is the bank to make that work in your favor. Dont just believe me keep on doing your homework and see for yourself. Good look everyone and thanks again NFCU for all your help. I will be applying for a car loan in the near future once I pay off this personal loan. Thanks once again.....

Published at 8 years ago

Privilege to be part of this CU since 1978. I basically part of my family finance since I first signed up as member in Naples Italy. Got all my car loans here about over 7 and none have any issues. Very generous and courteous staff from bank teller to the telephone. Well Done. Thank you NFCU ! The best of all Credit Union.

Published at 8 years ago

Awesome people. Felt like Ive known them for years.

Published at 8 years ago

Published at 8 years ago

Published at 8 years ago

Published at 8 years ago

Published at 8 years ago

Published at 8 years ago

Published at 9 years ago

Published at 9 years ago

The bottom line is that their mortgage product is unusable. At first, Navy Federal Credit Union seemed like a great deal. They still offered 0 percent down loans with no PMI. We went through the online application process, which was fine. But when it came to start making offers on houses, the real trouble started. We live in a very competitive market, and one of the first things we learned about NFCU was that they had gone early to the 45-day close that some lenders might be going to in October 2015. A 45-day close in a competitive market is...well, just not competitive! Most people could close in 21-30 days. Even after October, our realtor told us that many mortgage brokers and banks are going to still try closing in 30 days by cutting down some of their processing time. Our loan officer pooh-poohed this and basically dismissed all of our concerns. We made four offers with NFCU and none were accepted, I think at least partially because of the super-long close. Also, the letter was not like the preapproval letters we read about online. It was accompanied by two pages of conditions, and even though wed already given them things like tax returns and W2s, the letter said things like this loan is dependent on receiving W2s and income verification. We tried hard to get them to at least partially underwrite us so that they could remove some of those conditions, but they refused. Which brings me to the real problem with NFCU: the customer service, which is, simply put, atrocious. This was our first house, so I didnt really know the difference until we tried with a different lender. The first major snafu with NFCU was that for some reason, they qualified us for less than what they were actually willing to loan us because of some communication error about how much we wanted. So we lost out on offering on one house because we thought that the loan amount wouldnt cover it, even though it turned out that they were willing to go to a much higher number. Maybe we could have clarified this with them if it wasnt basically impossible to talk to them, but every time we called our loan officer (Carla Gustafson), it was like speaking to her for the first time. She never remembered who we were or what wed already given her. She was apologetic and said it was because of her case load, but really, either hire more people or preapprove fewer loans. She was nice enough when we did manage to reach her, but not having someone who remembered where you were in the process was a major hindrance to us making credible offers. She wasnt willing to write us the strong preapproval letter that we needed: Im not sure she could have done so if shed wanted to. Everything about the experience of working with NFCU and Carla was frustrating. She clearly thought that their extraordinarily long close time was no big deal, and said as much, no matter how much we told her about the situation here (multiple offers, double-digit overbids). Eventually, after we kept failing to get an offer accepted, we ended up going with the new San Francisco start-up SoFi. It really put in stark perspective the problems with the NFCU experience. Our SoFi loan officer was always instantly available, remembered who we are, was very quick getting back to us when underwriting needed something else, and, best of all, was able to write us a strong preapproval letter with a 21-day close. Everything was done online and over the phone, and when our loan officer heard that we were going to be out of the country on day 21, she sped up the process so that we could sign the papers before we left. Our interest rate with them was only slightly higher, and although we had to put down 10 percent, SoFi also doesnt charge PMI. You get what you pay for sometimes. If you want the VA hospital experience, by all means, go with NFCU. But I wouldnt recommend it in any market that is even slightly competitive.

Published at 9 years ago

Published at 9 years ago

i love it

Published at 9 years ago

My husband and I have been with this bank for over 20 years and no matter what you type of money you have into Navy federal, they treat you with kindness and generosity. I love talking to the bank representatives on the phone and in person because they make you feel like family. I feel that you are the best Navy federal. Thank you for being so kind to us. Your respect to us is greatly appreciated. Sincerely, M. Singleton

Published at 10 years ago

This is an awesome bank, a must have if you qualify to be a part of it

Published at 10 years ago