Navy Federal Credit Union Customer Service

Phone Number & Contact Info

Navy Federal Credit Union's Best Phone Number

Toll-free·Calls Customer Service·Most popular Navy Federal Credit Union number

How do I talk to a live human at Navy Federal Credit Union?

A:At the first menu, say "Not a member," then say "Something Else."

Does Navy Federal Credit Union offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Wednesday.

How long will I wait on hold?

A:The average hold time is 2 minutes. The longest hold times are on Friday, and the shortest are on Thursday. How is this calculated?

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Navy Federal Credit Union phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: At the first menu, say "Not a member," then say "Something Else."
Here is how our research team describes the way the Navy Federal Credit Union phone system greets you: Say or enter your access number or full social security number. Alternatively, you can also say "I am not a member."
Below are some clips we've found from Navy Federal Credit Union's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask you to enter information with the dial pad

"I didn't catch that. If you need a moment to get your access numbers, say hold on.
You can also say more information or not a member.
Otherwise, enter your access number or Social Security number"
Excerpt from a call with Navy Federal Credit Union
Tuesday, May 7, 2024 6:42 PM

They may ask you to say or enter information

"Welcome to Navy Federal Credit Union. To look up your account, please say or enter your access number or"
Excerpt from a call with Navy Federal Credit Union
Tuesday, May 7, 2024 6:42 PM

What are the hours and when should I call?

Navy Federal Credit Union operates the call center for this 888-842-6328 phone number 24 hours, 7 days. The short answer is that you should call on a Tuesday. This observation and the following section are based on analysis of a sample set of 287 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Navy Federal Credit Union phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Navy Federal Credit Union staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Navy Federal Credit Union is Sunday. The most busy day to call is Wednesday, which averages 440% more phone calls by comparison. Again, this is based on a sample of 287 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Thursday. The longest wait in the queue on average occurs on Friday.

The best time to call Navy Federal Credit Union

In summation, the best day to call Navy Federal Credit Union is Tuesday.

Calling this Navy Federal Credit Union Customer Number

Jeff Whelpley is the editor / author responsible for this content.
May 20, 2024

Unless you're actually eligible for a Navy Federal Credit Union account, this phone number cannot be used. When you dial, you're immediately hit with a chokepoint of having to enter your access number or your Social Security Number, both of which can easily identify you as being eligible or not eligible.

Your access number with Navy Federal Credit Union is granted to you after you've signed up for an account, and providing your Social Security Number can instantly identify whether or not you're eligible. If you are an active member of the military or a veteran who was honorably discharged, or you are an immediate family member of an active military member or veteran, you're eligible to sign up for an account.

Immediate family members include spouse, parents, siblings, grandparents, children and grandchildren of a member of the military, as well as anyone who's living at the household of an active duty military member or veteran. If you don't fit the criteria as a relative of someone who's served, you are not eligible to get an account and cannot even speak to someone without providing your SSN to give them your personal information.

As I wasn't willing to do that, I don't have a complete picture of this phone number and how effective it is to call. In practice, this phone number is used to report fraudulent activity on your account and is available 24 hours a day. The number even provides help if you misdial, as I did the first time. I accidentally transposed two numbers, and I was told that I had dialed a non-working number and was given the correct number.

If I were eligible for an account, I'd consider using this phone number if needed. Otherwise, don't bother.

Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.

Why Customers Call Navy Federal Credit Union

If you have time to do a bit of reading before you call Navy Federal Credit Union, we recommend you read over some of our problem-specific articles.

What is the routing number for Navy Federal Credit Union?

The routing number for Navy Federal Credit Union is a nine-digit code used to identify the financial institution during electronic transactions. It is primarily used for direct deposits, wire transfers, automatic bill payments, and other related activities. However, for security purposes, the specific routing number is not provided on this FAQ page. As a Navy Federal member, you can easily find the routing number by logging into your online account, visiting a branch, or contacting the Member Service Center. The routing number may vary based on the location of your account or the type of transaction being conducted. Please ensure that you have the correct routing number to avoid any inconveniences during your financial transactions.

How Do I Recover My Navy Federal Credit Union Account?

It is common for customers to forget their Navy Federal Credit Union passwords or usernames. However, they can be reset in a few simple steps. When creating a new password or username for your account, ensure that it is strong and unique. Your password should have at least eight characters. It should be a combination of symbols, capital letters, numbers, and special characters. If you have trouble resetting your password or username, you may seek help from the support agents. You may reach them on the help desk or on the phone.

How Do I Recover My Navy Federal Credit Union Login?

Whether you are trying to recover your login information for the Navy Federal Credit Union website, mobile app or other services, there are several steps you can take to protect your account. This may include using strong and unique passwords, enabling two-factor authentication, keeping your personal information up to date, and regularly reviewing your account statements.

Top Navy Federal Credit Union customer service problems

Click the link above to get answers to just about any Navy Federal Credit Union customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Navy Federal Credit Union, and their purpose. Are any of these similar to the reason you are trying to call?
Checking account opt-in status: "I was trying to find out if I had opted in on my checking account."
- From a call lasting 20m 13s , Apr 5, 2024 9:57 PM
Question about account transaction: "So it was seventy dollars taken out of my account, maybe my son and I went out to eat, I can't remember how much it cost."
- From a call lasting 19m 16s , Apr 5, 2024 4:02 AM
Requesting loan payoff information: "I'm trying to find out the exact payoff for my client."
- From a call lasting 8m 18s , Mar 7, 2024 3:45 PM
Checking on deposit date: "I was just trying to figure out if there's any way to get that in sooner, man."
- From a call lasting 15m 52s , Jan 27, 2024 9:31 PM
Requesting bank statements: "I would like to request bank statements from 2017 up to present for an account holder."
- From a call lasting 3m 5s , Jan 18, 2024 5:23 PM
PIN number issue: "I don't know how it's changed and why it won't go through."
- From a call lasting 7m 9s , Jan 12, 2024 2:18 PM

More Navy Federal Credit Union Customer Service Contacts

There are of course other ways to contact Navy Federal Credit Union customer service besides the phone. Below we list the best ones, by medium.

Navy Federal Credit Union Customer Service on X (formerly Twitter) - Customer Service
Use the link to connect with customer service through Twitter
Navy Federal Credit Union, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.

Navy Federal Credit Union Customer Help Desk / Web Support - Customer Service
Online customer service support - Customer Service
Click this link for customer service chat
As a last, sometimes only, resort- Navy Federal Credit Union customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Navy Federal Credit Union's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Navy Federal Credit Union agent. This phone number is Navy Federal Credit Union's best phone number because 8,334 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 888-842-6328 include Setup an account, Question, Complaint and other customer service issues. Rather than trying to call Navy Federal Credit Union first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web or twitter. In total, Navy Federal Credit Union has 1 phone number. It's not always clear what is the best way to talk to Navy Federal Credit Union representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Navy Federal Credit Union. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Navy Federal Credit Union. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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