Credit union · NCUA insured
Navy Federal Credit Union
Top CarrotA $203.6B credit union, the 1st largest of 4,329, headquartered in Vienna, VA, with 15.4 million members and 383 branches in 33 states. Best rates: CDs 4.15% and savings 1.10% APY.
Navy Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#21 of 105 in Washington, DC-VA-MD-WV metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Navy Federal Credit Union
Founded in 1933 by 7 Navy Department employees to offer affordable loans and safe savings, Navy Federal Credit Union is a member-owned, not-for-profit credit union.
Exclusively serving the military, veterans, and their families, the credit union assumed operation of the Department of Defense's Community Bank locations across 60 overseas military installations in 2024.
- Headquarters
- 820 Follin Ln SE, Vienna, VA 22180
- NCUA charter
- 5536
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Department of Defense civilian personnel are eligible for membership, including DoD civilian employees, U.S. Government employees assigned to DoD installations, DoD contractors assigned to U.S. Government installations, and DoD civilian retirees and annuitants.
- Servicemembers in all branches of the armed forces—including Active Duty (Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard, Space Force), Delayed Entry Program (DEP), DoD Officer Candidate/ROTC, DoD Reservists, as well as veterans, retirees, and annuitants—are eligible for membership.
Family and household
- Immediate family members (parents, grandparents, spouses, siblings, children including adopted and stepchildren, grandchildren) and household members of eligible persons are eligible for membership.
Cost to join
- A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.
Branches
383 branches in 33 states
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Virginia
66 branchesCalifornia
54 branchesTexas
38 branchesFlorida
35 branchesGeorgia
26 branchesMaryland
25 branchesNorth Carolina
16 branchesWashington
13 branchesArizona
9 branchesSouth Carolina
8 branchesColorado
6 branchesHawaii
5 branchesIllinois
5 branchesMississippi
5 branchesKansas
4 branchesNevada
4 branchesNew York
4 branchesPennsylvania
4 branchesTennessee
4 branchesConnecticut
3 branchesDistrict of Columbia
3 branchesKentucky
3 branchesOhio
3 branchesAlabama
2 branchesLouisiana
2 branchesMissouri
2 branchesNew Jersey
2 branchesNew Mexico
2 branchesOklahoma
2 branchesGuam
1 branchMichigan
1 branchNebraska
1 branchRhode Island
1 branchWalk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.65% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.58% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.41% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $84 | $88 | — |
- CapitalNet worth ratio11.65%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.58%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.41%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$84Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Navy Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.