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March 2024 by Tom H.
Navy Federal sent me a letter for a $200 rewards for opening a credit card and spending $500 within 90 days. This letter arrived just before the expiration date of this offer. I went online and there was an offer for a $300 reward for spending $3000 within 90 days. I tried to apply for a credit card, but had to open a savings account first. I opened the savings and then applied for a credit card I received the card, but it had a limit of $500. My credit score is over 800 and I have never had any late payments. I then sent them a message and I attached documents showing $297000 in bank accounts and millions in a Fidelity Investment account. I received this reply: Subject: CREDIT LIMIT Navy Federal Response 03/27/2024 : Thank you for your message about the credit limit assigned to your newly opened credit card account. Based on the information provided in your application and Navy Federal's lending policies, your credit card's credit limit is at the maximum credit limit you qualify for at this time. You may apply for an increase to this credit limit at any time, however, Navy Federal typically requires a new account to be open at least three months before approving an increase to its credit limit. If you have any additional questions regarding your new credit card, please let us know. Your Message 03/26/2024 : Additional Statements Your Message 03/26/2024 : Additional Statements Your Message 03/26/2024 : I just received my credit card **************** and it has a limit of $500. There is an offer for $300 Rewards for $3000 in purchases in 90 days. There is no way I can do that with a $500 limit. My credit score is over 800. I sent a copy of a bank statement showing a balance of $47,180. I have another account of $249,001 and a Fidelity Brokerage account of over 6 million dollars. I have never had a late payment. Please increase my credit line to at least $5000. I pay my accounts in full every month, except for zero percent interest promotions. This seems like a bait and switch to promise a reward, but set it up so it is impossible to get it.
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February 2024 by Brian Brown
Very good service here. The front desk assisted me with the help I needed.
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February 2024 by J K
Overall a great credit union in my experience. I was able to get a car loan very easy.
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December 2023 by Kelcei Glasgow
I started a loan with navy Federal Credit Union and starting out everything was great but 2 week's into getting a contract the communication went really bad on navy's end....I had to contact the agents and customer service multiple times to get updates. Thenfinally they got back to me and told me there are issues, those issues were that my debt to income ratio was too high. After going back and forth it seems like they didn't do the paperwork correctly because the ratio kept changing and they requested more and more documents. We finally pushed forward but i still was struggling to get communication and my closing date was approaching.....the day of closing they said i was NOT approved and gave a different excuse this time. Now i come across some news about NFCU denying loan applicants due to the color of their skin and now it all makes sense. I hope they know that i will be filing a motion for discrimination. I hope no one has to deal with this type of unprofessionalism when trying to buy a home.
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October 2023 by Karen Young-Slaughter
NFCU is very good on a lot of levels.. But they changed their policy on mobile deposits being available on second business day.. So if you get paid on Friday and mobile deposit, your funds wont be available until Tuesday... So actually that's 4 days... UGGGG I need to find a new bank... not gonna work for me...besides there is only one branch in all of Kansas.....
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September 2023 by Bridget Soucy
They are wonderfully helpful. Was great customer service! Thank you for all you do!
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September 2023 by Telia Hopkins
First time ever coming to this bank with a simple request of card replacement.The card replacement took almost an hour to be replaced.I don’t think I’ve ever walked in a bank and was told to have a seat while we get that printed and it take that long.If I can help it I will avoid returning at all cost!
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September 2023 by SHARON L WILLIAMSON
We have a mortgage and have purchased multiple vehicles through Navy Federal, many times by just making a phone call. They have never let us down and are very friendly and accommodating. We wouldn't bank anywhere else!
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August 2023 by Sara Crozier
This is the worst financial instution I have ever dealt with. Not only did I have to open a savings account but so did my husband to open a auto loan account. Any other credit union only makes you open one savings account.Then they don't want you using an external account to make your auto loan payment. And if you receive a "bonus" for opening said accounts, you can't transfer it out of their institution without opening yet another account at NFCU. Nor will they allow a one time due date change like most all lenders I have dealt with do. You also have NO grace period in when your payment is due.Don't get me started on their customer service... Sometimes you get someone that speaks English but other times, you can barely understand their CSR; which is so frustrating.
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August 2023 by Timothy Delprete
No communications they say you want to be approved in 1hr to 24 hrs they wouldn’t give me a loan because they said I didn’t give them a Social Security number yet they looked up my loan application with my Social Security number, and it was denied
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July 2023 by Daneth Weese
Great institution for military and veterans. Wish they had more atms
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June 2023 by Sisterhood fbf
It can be really embarrassing to call and discuss overdraft options especially during hard time as I like to call them in between blessings. I tried to avoid calling but for some reason my chat wouldn’t load however I ended up calling.I initially spoke with heather in customer service who was very polite and got me over to the department I needed.Once I reached the correct department to discuss oops ( optional or Overdraft protection services) I spoke with HEAVEN I immediately knew I was in great hands just by her name but her personality matched to a T she was very sweet, welcoming, loving, passionate, considerate, patient and all of the above when you think about what heaven is like !!!I APPRECIATE YOU GUYS AT NAVY FEDERAL AND IM GLAD TO BE APART OF THE FAMILY ❤️
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May 2023 by Perfected By Phay
It can be really embarrassing to call and discuss overdraft options especially during hard time as I like to call them in between blessings. I tried to avoid calling but for some reason my chat wouldn’t load however I ended up calling.I initially spoke with heather in customer service who was very polite and got me over to the department I needed.Once I reached the correct department to discuss oops ( optional or Overdraft protection services) I spoke with HEAVEN I immediately knew I was in great hands just by her name but her personality matched to a T she was very sweet, welcoming, loving, passionate, considerate, patient and all of the above when you think about what heaven is like !!!I APPRECIATE YOU GUYS AT NAVY FEDERAL AND IM GLAD TO BE APART OF THE FAMILY ❤️
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May 2023 by william Babbitt
This is the worst credit union bank I’ve ever belonged to if I were a new customer looking for a bank I would not put my money’s here. The call center has no supervisor over the call center supervisor that you can speak with. When you are graded out of you money you have to wait 3 weeks to a month to receive you money back and they don’t care about the customer only thing they care about is their policies i can’t leave this bank fast enough if I was you do not go through what I have
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May 2023 by Al Risden
Always an excellent experience at any Navy Federal Credit Union facility. We're lucky to have a branch here in the Midwest to accommodate those visits that are much easier in person.
