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This may be incomplete or out of date, so check with the credit union before you apply.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 branches
Jacksonville area · 11
- Atlantic Beach FL961 Atlantic Blvd, Atlantic Village Shopping Center, Atlantic Beach, FL 32233Directions
- Fleming Island FL1826 Town Center Blvd, Fleming Island, FL 32003Directions
- Avenues-Jacksonville FL10480 Avenues Walk Blvd, Jacksonville, FL 32258Directions
- Brooklyn-Jacksonville FL150 Riverside Ave, Ste 101, Jacksonville, FL 32202Directions
- NS Mayport FL460 Massey Ave, Jacksonville, FL 32228Directions
- Oakleaf-Jacksonville FL8180 Merchants Gate Dr, Unit T102, Jacksonville, FL 32222Directions
- Orange Park-Jacksonville FL6100 Collins Rd, Jacksonville, FL 32244Directions
- Ortega-Jacksonville FL7231 Golden Wings Rd, Jacksonville, FL 32244Directions
- Regency-Jacksonville FL9583 Regency Square Blvd, Jacksonville, FL 32225Directions
- River City-Jacksonville FL550 Airport Center Dr, Jacksonville, FL 32218Directions
- St Johns Sq-Jacksonville FL11270 Saint Johns Industrial Pkwy S, Jacksonville, FL 32246Directions
Tampa area · 7
- North Clearwater2607 Gulf to Bay Blvd Ste 1710, Clearwater, FL 33759Directions
- Lutz FL2223 Sun Vista Dr, Lutz, FL 33559Directions
- North Riverview FL3723 US Highway 301 S, Riverview, FL 33578Directions
- St Petersburg FL2172 Tyrone Blvd N, St. Petersburg, FL 33710Directions
- Carrollwood15030 N Dale Mabry Hwy, Tampa, FL 33618Directions
- North Tampa FL15030 N Dale Mabry Hwy, Tampa, FL 33618Directions
- South Tampa FL4530 S Dale Mabry Hwy, Tampa, FL 33611Directions
Pensacola area · 7
- Gulf Breeze FL1153 Gulf Breeze Pkwy, Ste A, Gulf Breeze, FL 32561Directions
- Pace FL4891 Highway 90, Pace, FL 32571Directions
- Davis Hwy-Pensacola FL6200 N Davis Hwy, Pensacola, FL 32504Directions
- Heritage Oaks-Pensacola FL5550 Heritage Oaks Dr, Pensacola, FL 32526Directions
- Hwy 98 Pensacola FL9070 W Highway 98, Pensacola, FL 32506Directions
- Navy Blvd-Pensacola FL440 N Navy Blvd, Pensacola, FL 32507Directions
- Nine Mile RD Pensacola FL1531 E Nine Mile Rd, Pensacola, FL 32514Directions
Orlando area · 5
- Altamonte Springs FL955 W State Road 436, Ste 1060, Altamonte Springs, FL 32714Directions
- Kissimmee FL1310 W Osceola Pkwy, Kissimmee, FL 34741Directions
- Millenia-Orlando FL4698 Gardens Park Blvd, Orlando, FL 32839Directions
- Research Park-Orlando FL11890 E Colonial Dr, Orlando, FL 32826Directions
- Winter Park FL1755 State Road 436, Winter Park, FL 32792Directions
Miami area · 2
- North Miami FL14583 Biscayne Blvd, North Miami, FL 33181Directions
- Pembroke Pines FL15759 Pines Blvd, Unit D-1, Pembroke Pines, FL 33027Directions
Crestview area · 1
- Mary Esther FL251 Mary Esther Blvd, Ste C1, Mary Esther, FL 32569Directions
Panama City area · 1
- NSA Panama City FLNaval Support Activity, Panama City, 101 Vernon Ave Bldg 395, Panama City Beach, FL 32407Directions
Palm Bay area · 1
- Satellite Beach FL1024 Jimmy Buffett Mem Hwy, Ste 102, Satellite Beach, FL 32937Directions
Georgia
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.