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This may be incomplete or out of date, so check with the credit union before you apply.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 branches
San Diego area · 27
- Bonita CA752 Otay Lakes Rd, Chula Vista, CA 91910Directions
- Chula Vista CA555 Broadway Ste 1072, Chula Vista, CA 91910Directions
- Eastlake CA1450 Eastlake Pkwy, Ste 801, Chula Vista, CA 91915Directions
- Debbie Dawson106 B Ave, Coronado, CA 92118Directions
- El Cajon CA709 Fletcher Pkwy, El Cajon, CA 92020Directions
- Rancho San Diego CA2891 Jamacha Rd, Ste F, El Cajon, CA 92019Directions
- La Mesa CA8796 Grossmont Blvd, La Mesa, CA 91942Directions
- National City CA1727 Sweetwater Rd, Ste 106, National City, CA 91950Directions
- Rancho del Oro-Oceanside CA4180 Avenida de La Plata, Oceanside, CA 92056Directions
- San Luis Rey-Oceanside CA815 College Blvd, Ste 101, Oceanside, CA 92057Directions
- South Oceanside CA2178 Vista Way STE E4, Oceanside, CA 92054Directions
- Clairemont Mesa CA3950 Clairemont Mesa Blvd, San Diego, CA 92117Directions
- Imperial Ave-San Diego CA4365 Imperial Ave, San Diego, CA 92113Directions
- Liberty Station CA2400 Historic Decatur Rd, Ste 101, San Diego, CA 92106Directions
- MCAS Miramar CA2727 Elrod Ave Bldg 2727, San Diego, CA 92145Directions
- Mira Mesa CA10865 Black Mountain Rd, San Diego, CA 92126Directions
- Mission Valley CA8660 Rio San Diego Dr, San Diego, CA 92108Directions
- NB Point Loma CA200 Catalina Blvd, San Diego, CA 92106Directions
- NB San Diego CA2505 Callagan Hwy, San Diego, CA 92136Directions
- Pacific Beacon-NBSD CA3715 Norman Scott Rd, Ste 102, San Diego, CA 92136Directions
- Palm Promenade-San Diego CA762 Dennery Rd, San Diego, CA 92154Directions
- Rancho Bernardo CA17030 Bernardo Center Dr, San Diego, CA 92128Directions
- Sorrento Valley CA6755 Mira Mesa Blvd, Ste #133-135, San Diego, CA 92121Directions
- Southland Plz-San Diego CA555 Saturn Blvd, Ste C, San Diego, CA 92154Directions
- Tierrasanta CA10645 Tierrasanta Blvd, Ste E, San Diego, CA 92124Directions
- San Marcos CA709 Center Dr, Ste102, San Marcos, CA 92069Directions
- Santee CA9660 Mission Gorge Rd, Santee, CA 92071Directions
Riverside area · 11
- Apple Valley CA19157 Bear Valley Rd, Suite 2, Apple Valley, CA 92308Directions
- Corona CA2620 Tuscany St, Ste 101, Corona, CA 92881Directions
- USAG Fort Irwin CABldg 37, Goldstone Rd, Fort Irwin, CA 92310Directions
- Lake Elsinore CA29261 Central Ave, Ste C, Lake Elsinore, CA 92532Directions
- Murrieta CA41030 California Oaks Rd, Ste B, Murrieta, CA 92562Directions
- Ontario CA4190 E 4th St Ste A, Ontario, CA 91764Directions
- Riverside CA6365 Valley Springs Pkwy, Riverside, CA 92507Directions
- San Bernardino CA1049 Harriman Pl, San Bernardino, CA 92408Directions
- North Temecula CA39826 Winchester Rd, Temecula, CA 92591Directions
- South Temecula CA32413 Temecula Pkwy, Ste 210, Temecula, CA 92592Directions
- Twentynine Palms CA4920 Adobe Rd, Twentynine Palms, CA 92277Directions
Los Angeles area · 8
- Brea CA2545 E Imperial Hwy Ste B, Brea, CA 92821Directions
- Fountain Valley CA18709 Brookhurst St, Ste 5A, Fountain Valley, CA 92708Directions
- Hawthorne CA5360 W Rosecrans Ave, Hawthorne, CA 90250Directions
- Inglewood CA3451 W Century Blvd Ste B3, Inglewood, CA 90303Directions
- Long Beach CA4201 McGowen St ste 270, Long Beach, CA 90808Directions
- Mission Viejo CA28201 Marguerite Pkwy, Ste 14, Mission Viejo, CA 92692Directions
- Santa Ana CA2022 E 17th St, Santa Ana, CA 92705Directions
- West Covina CA2753 E Eastland Center Dr Ste 1106, West Covina, CA 91791Directions
Oxnard area · 3
- NBVC Point Mugu CA441 N Mugu Rd Bldg PM-16, Point Mugu NAWC, CA 93042Directions
- NBVC Port Hueneme CA1336 Harris Street, Building PH-1336, Port Hueneme, CA 93041Directions
- Port Hueneme CA535 W Channel Islands Blvd, Port Hueneme, CA 93041Directions
Hanford area · 2
- Lemoore CA855 N Lemoore Ave, Ste 190, Lemoore, CA 93245Directions
- NAS Lemoore CABldg 839, Hancock Cir, Lemoore, CA 93245Directions
Salinas area · 1
- NSA Monterey CA1650 Lake Del Monte Dr, Monterey, CA 93943Directions
Bakersfield area · 1
- Ridgecrest CA234 Balsam St, Ridgecrest, CA 93555Directions
Vallejo area · 1
- Vacaville CA2031 Harbison Dr Ste A, Vacaville, CA 95687Directions
Texas
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.