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This may be incomplete or out of date, so check with the credit union before you apply.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 branches
Virginia Beach area · 32
- Cahoon Cmns-Chesapeake VA508 Bud Dr, Chesapeake, VA 23322Directions
- Gainsborough-Chesapeake VA111 Gainsborough Sq, Chesapeake, VA 23320Directions
- Greenbrier-Chesapeake VA1020 Eden Way N, Chesapeake, VA 23320Directions
- Hanbury Vlg-Chesapeake VA241 Hanbury Rd E, Chesapeake, VA 23322Directions
- Jolliff-Chesapeake VA2124 Starmount Pkwy, Chesapeake, VA 23321Directions
- Hampton VA50 Hampton Club Dr, Hampton, VA 23666Directions
- Peninsula Tn Ctr-Hampton VA2023 Von Schilling Dr, Hampton, VA 23666Directions
- Denbigh VA12828 Jefferson Ave, Newport News, VA 23608Directions
- Oyster Point VA12070 Jefferson Ave, Ste 1810, Newport News, VA 23606Directions
- Janaf VA1140 N Military Hwy, Ste 820, Norfolk, VA 23502Directions
- Lascara1530 International Blvd, Norfolk, VA 23513Directions
- NH18-NSA Hampton Roads VA1497 Ingram St, Building #NH-18, Norfolk, VA 23551Directions
- NS Norfolk VA9155 Seabee Rd Bldg CD, Norfolk, VA 23511Directions
- Newtown-Norfolk VA6370 Newtown Rd, Norfolk, VA 23502Directions
- Churchland VA5627 West High St, Portsmouth, VA 23703Directions
- NMC Portsmouth VA620 John Paul Jones Cir, NMCP Bldg 3, 2nd Floor, Portsmouth, VA 23708Directions
- Portsmouth VA303 County St, Portsmouth, VA 23704Directions
- Suffolk VA1202 N Main St Ste 140, Suffolk, VA 23434Directions
- Hilltop-VA Beach519 Hilltop Plz, Virginia Beach, VA 23454Directions
- Holland Rd - VA Beach3929 Holland Rd, Virginia Beach, VA 23452Directions
- JEB Little Crk - Ft Story VA1173 Amphibious Dr Bldg 3448, Virginia Beach, VA 23459Directions
- Kempsville-VA Beach5269 Providence Rd, Virginia Beach, VA 23464Directions
- Lake Shores Plz-VA Beach VA5193 Shore Dr, Ste 116, Virginia Beach, VA 23455Directions
- Lynnhaven-VA Beach2977 Sabre St, Virginia Beach, VA 23452Directions
- NAS Dam Neck Annex VANAS Oceana, Dam Neck Annex Bldg 200, Virginia Beach, VA 23461Directions
- NAS Oceana VANas Oceana, 5th St, Bldg 528, Virginia Beach, VA 23460Directions
- North Landing-VA Beach2545 N Landing Rd, Virginia Beach, VA 23456Directions
- Pembroke-VA Beach4001 Virginia Beach Blvd, Ste 132, Virginia Beach, VA 23452Directions
- Red Mill-VA Beach2261 Upton Dr, Virginia Beach, VA 23454Directions
- Salem Rd-VA Beach1772 Salem Rd, Virginia Beach, VA 23456Directions
- Williamsburg VA5226 Monticello Ave, Ste F-100, Williamsburg, VA 23188Directions
- USCG Yorktown VAUSCG Training Center Yorktown, Bldg # 46 Korean Hall, Yorktown, VA 23690Directions
Washington area · 29
- Cutler Dawson Headquarter CampusMain office820 Follin Ln SE, Vienna, VA 22180Directions
- Hilltop Vlg-Alexandria VA7873 Heneska Loop, Alexandria, VA 22315Directions
- Hybla Valley-Alexandria VA7678D Richmond Hwy, Alexandria, VA 22306Directions
- Potomac Yard-Alexandria VA3725A Richmond Hwy, Alexandria, VA 22305Directions
- Ballston VA875 N Randolph St, Ste A, Arlington, VA 22203Directions
- Crystal City VA2450 Crystal Dr, Ste R-010A, Arlington, VA 22202Directions
- Rosslyn VA1919 N Lynn St, Arlington, VA 22209Directions
- Ashburn VA44315 Ice Rink Plz, Ashburn, VA 20147Directions
- Burke VA6045 Burke Centre Pkwy Ste A, Burke, VA 22015Directions
- Centreville Sq II-Centreville VA6011 Centreville Crest Ln, Centreville, VA 20121Directions
- Chantilly VA14430 Chantilly Crossing Ln, Chantilly, VA 20151Directions
- Dale City2898 Dale Blvd, Ashdale Plaza, Dale City, VA 22193Directions
- Fairfax VA11180 Main St, Fairfax, VA 22030Directions
- Falls Church VA6343 Columbia Pike Ste C, Falls Church, VA 22041Directions
- Fredericksburg VA3445 Fall Hill Ave, Fredericksburg, VA 22401Directions
- South Fredericksburg VA10129 Patriot Hwy, Ste 103, Fredericksburg, VA 22407Directions
- West Fredericksburg VA5651 Plank RD, Fredericksburg, VA 22407Directions
- Gainesville VA7925 Stonewall Shops Sq, Gainesville, VA 20155Directions
- Bull Run Plz-Manassas VA10764 Sudley Manor Dr, Manassas, VA 20109Directions
- Manassas VA9755 Liberia Ave, Manassas, VA 20110Directions
- Montclair VA5139 Waterway Dr, Montclair, VA 22025Directions
- Reston VA1821 Fountain Dr, Reston, VA 20190Directions
- Springfield VA6225 Brandon Ave, Ste 140, Springfield, VA 22150Directions
- Garrisonville VA308 Worth Ave, Ste 105, Stafford, VA 22556Directions
- Lee Gound100 Corporate Dr, Stafford, VA 22554Directions
- Sterling VA46300 Potomac Run Plz, Ste 180, Sterling, VA 20164Directions
- Thomas J Hughes820 Follin LN SE, Vienna, VA 22180Directions
- Kenneth R Burns12520 Dillingham Sq, Woodbridge, VA 22192Directions
- Woodbridge VA15101 Potomac Town Pl, Ste 100, Woodbridge, VA 22191Directions
Richmond area · 3
- Colonial Heights VA1080 Temple Ave, Colonial Heights, VA 23834Directions
- Midlothian VA13493 Hull Street Rd, Midlothian, VA 23112Directions
- North Richmond VA5445 Glenside Dr, Richmond, VA 23228Directions
Winchester area · 2
- North Winchester VA828 Berryville Ave, Winchester, VA 22601Directions
- South Winchester VA195 Crossover Blvd, Bldg 39, Winchester, VA 22601Directions
California
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.