Looking for the nearest Navy Federal near me (often abbreviated NFCU), ideally a branch or ATM open right now and close to your current location? The Navy Federal locations map below shows your nearest NFCU branches and ATMs. Navy Federal Credit Union is the largest credit union in the world by both members and assets, with over 15 million members and more than 360 branches worldwide, including 178 branches on or near US military bases, plus 60 overseas branches across 11 countries operated under the Department of Defense’s Overseas Military Banking Program.
Navy Federal Credit Union at a glance
- Founded: 17 January 1933, originally as the Navy Department Employees’ Credit Union of the District of Columbia, with 7 members
- HQ: 820 Follin Lane SE, Vienna, Virginia 22180
- Type: Federally chartered, member-owned credit union, regulated by the NCUA
- Members: Over 15 million globally (world’s largest credit union)
- Branches: 360+ worldwide, including 178 on or near US military bases and 60 overseas across 11 countries
- Insurance: Deposits insured by the National Credit Union Administration (NCUA) up to $250,000 per share owner; overseas deposits in DoD Community Bank insured by ESI (Excess Share Insurance)
- Free ATM access: 30,000+ ATMs via the CO-OP Network across the US and Canada, plus NFCU’s own branded ATMs at branches
- 24/7 customer service (USA toll-free): 1-888-842-6328 (also known as 1-888-842-NFCU)
- International callers (toll charges apply): +1 703-255-8837 (Direct Inward Dial)
- Country-specific toll-free numbers: Available for Germany, Italy, Japan, Netherlands, South Korea, and the United Kingdom (see navyfederal.org/contact-us)
- Business Solutions: 1-877-418-1462 (Mon-Fri 8 AM to 7 PM ET)
- Hearing impaired (TRS): Dial 711 first, then the main 1-888-842-6328 number
- Branch and ATM locator: navyfederal.org/branches-atms
- Mobile app: Navy Federal Mobile (iOS and Android)
Navy Federal branch and ATM locations near me
Map of Navy Federal locations near me
Use the map below to find your nearest Navy Federal Credit Union branch or ATM based on your current location. Click any pin for the exact address and directions. For the most accurate result, allow your browser to share your location, or zoom and pan to a specific area.
For the official Navy Federal locator, visit navyfederal.org/branches-atms. Enter your address, city, state, or ZIP code to view the nearest NFCU branches and ATMs, or allow the site to access your current location for instant results. The locator shows full-service branches, overseas military banking facilities, in-store branches, ATMs, and shared CO-OP Network ATMs.
Navy Federal branch locator: how to find a branch or ATM near you
The official Navy Federal locator lets you search any of these ways:
- By your current location: Allow the website or app to use your device location for the nearest results within a defined radius
- By ZIP code, city, state, or address: Enter the area you want to search
- Filter by type: Full-service branches, in-store branches, ATMs only, overseas military banking facilities, or CO-OP shared branches
- Filter by service: Mortgage appointments, lending appointments, member services, business solutions, military assistance
- Locations by service: NFCU has a dedicated locator at navyfederal.org/branches-atms/locations-by-service.html showing branches at specific Army, Navy, Air Force, Marine Corps, Coast Guard, and Space Force installations
The Navy Federal Mobile app on iOS and Android also includes a built-in branch and ATM locator that uses your current location automatically and shows live opening status.
Navy Federal ATM near me: free CO-OP Network access
Navy Federal members have access to a substantial fee-free ATM network:
- NFCU-branded ATMs: At every Navy Federal branch and many independent locations, available 24/7 for cash withdrawal, deposit, transfers, and balance enquiry, with no surcharge for NFCU members
- CO-OP Network: 30,000+ free ATMs at credit unions and retail locations (such as 7-Eleven, Costco, Speedway, Circle K, Walgreens) across the United States and Canada. Look for the CO-OP, Allpoint, or Visa/Plus logos on the ATM.
- Overseas Community Bank ATMs: 272 ATMs at US military installations across Europe and the Pacific, operated by NFCU since April 2024 under the DoD’s Overseas Military Banking Program (after NFCU replaced Bank of America as operator)
What you can do at a Navy Federal ATM:
- Withdraw cash from your NFCU checking, savings, or credit card account
- Check your account balance and recent transactions
- Deposit cash and checks (at deposit-enabled NFCU ATMs)
- Transfer funds between NFCU accounts
- Make a cardless ATM withdrawal using the Navy Federal Mobile app
- Print a mini statement
Navy Federal overseas branches: DoD Overseas Military Banking Program
In April 2024, Navy Federal Credit Union began operating the Department of Defense’s Overseas Military Banking Program (the DoD Community Bank), replacing Bank of America as the operator. Under this contract, NFCU operates 60 branches and 272 ATMs at US military installations across 11 countries in Europe and the Pacific. These overseas Community Bank locations serve active duty military, DoD civilian employees, and authorised personnel stationed overseas, regardless of whether they were already NFCU members.
Overseas Community Bank deposits are insured by ESI (Excess Share Insurance) rather than the NCUA. To find an overseas Navy Federal location, use the official locator at navyfederal.org/branches-atms.
Navy Federal eligibility: who can join NFCU?
Navy Federal Credit Union membership is open to a wide range of people connected to the US Armed Forces:
- Active Duty, Retired, or Veteran: Army, Navy, Air Force, Marine Corps, Coast Guard, Space Force, and National Guard
- DoD Officer Candidates and Officer Programs: Including ROTC, OCS, and other commissioning programs
- DoD Civilian Employees and Contractors: Including DoD reservists assigned to a Selected Reserve Unit
- Delayed Entry Program (DEP): Those who have signed up but not yet started active duty
- Family Members: Spouses, children (including stepchildren and adopted children), grandchildren, parents, grandparents, and siblings of any eligible member, including extended family
- Household Members: Anyone living in the household of an eligible member
To verify your eligibility and apply, visit navyfederal.org/membership/eligibility or call 1-888-842-6328.
Navy Federal hours, open now and Saturday hours
Is Navy Federal open now? Most Navy Federal branches operate Monday to Friday 9 AM to 5 PM, with Saturday hours from 9 AM to 1 PM or 2 PM at many locations. Branches on military bases often follow the base’s operating hours, which may differ. Most branches are closed on Sundays and federal holidays. Customer service is available 24 hours a day, 7 days a week.
- Branches: Mon-Fri 9 AM to 5 PM at most locations; Saturday 9 AM to 1 PM or 2 PM at many; closed Sundays
- NFCU-branded ATMs: 24 hours a day, 7 days a week at most locations
- CO-OP Network ATMs: 24/7 (or per host location’s hours for in-store ATMs)
- 24/7 customer service (1-888-842-6328): Around the clock, every day of the year
- Navy Federal Mobile app and online banking: 24/7
- Mortgage applications: Mon-Sat 7 AM to midnight ET, Sun 9 AM to midnight ET
- Business Solutions (1-877-418-1462): Mon-Fri 8 AM to 7 PM ET
Navy Federal federal holiday closures. NFCU branches are closed on the standard Federal Reserve holidays: New Year’s Day, Martin Luther King Jr. Day, Presidents Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas Day. ATMs, online banking, the Navy Federal Mobile app, and the 24/7 customer service line remain available on all federal holidays.
Contact Navy Federal
- 24/7 customer service (USA toll-free): 1-888-842-6328 (1-888-842-NFCU)
- International callers (Direct Inward Dial, toll charges apply): +1 703-255-8837
- Country-specific toll-free: Germany, Italy, Japan, Netherlands, South Korea, United Kingdom (see navyfederal.org/contact-us for the specific number)
- Business Solutions: 1-877-418-1462 (Mon-Fri 8 AM to 7 PM ET)
- Hearing impaired (TRS): Dial 711 first, then 1-888-842-6328
- Lost or stolen card: 1-888-842-6328 (use main customer service line, available 24/7)
- Specific branch phone numbers: Use the locator at navyfederal.org/branches-atms to find the direct phone for any specific branch
- Mailing address (general): Navy Federal Credit Union, P.O. Box 3000, Merrifield, VA 22119-3000
About Navy Federal Credit Union
Navy Federal Credit Union (NFCU) is the largest credit union in the world by both members and assets. NFCU was founded on 17 January 1933 in Washington DC by seven members of the Navy Department Employees, originally under the name “Navy Department Employees’ Credit Union of the District of Columbia”. The credit union was renamed Navy Federal Credit Union in 1954 as eligibility expanded to all Navy personnel and later to the entire armed forces and their families.
Navy Federal is a federally chartered, member-owned credit union headquartered at 820 Follin Lane SE in Vienna, Virginia (the Merrifield area of Fairfax County). It is regulated by the National Credit Union Administration (NCUA), and member deposits are insured by the NCUA up to $250,000 per share owner. Navy Federal is not a bank, it is a not-for-profit cooperative owned by its members, which means surpluses are returned to members in the form of better rates, lower fees, and member dividends rather than to shareholders.
April 2024: Navy Federal takes over DoD’s Overseas Community Bank
On 5 April 2024, Navy Federal Credit Union began operating the US Department of Defense’s Overseas Military Banking Program, replacing Bank of America (which had operated the program since 1980 under its predecessor Bank of America Military Bank). Under the new contract, NFCU operates 60 branches and 272 ATMs at US military installations across 11 countries in Europe and the Pacific (including Germany, Italy, Japan, South Korea, the Netherlands, and the United Kingdom). These overseas Community Bank locations serve all authorised personnel stationed overseas, regardless of NFCU membership status.
Services offered
Navy Federal offers a comprehensive range of services tailored to military members and their families: checking and savings accounts, money market accounts, certificates of deposit, mortgages (including VA loans), home equity loans, auto loans, personal loans, credit cards (including the Navy Federal More Rewards American Express and Visa Signature Flagship Rewards cards), business banking, investment services through Navy Federal Investment Services, financial planning, and insurance products. NFCU is particularly known for its competitive auto loan rates, VA mortgage expertise, and member-focused customer service.
Frequently asked questions
Where is the nearest Navy Federal branch or ATM to my current location?
Use the Navy Federal locations map at the top of this page to find your nearest NFCU branch or ATM based on your current location. Click any pin for the exact address. For an official search with filters, use the locator at navyfederal.org/branches-atms or open the Navy Federal Mobile app on iOS or Android, which uses your current location automatically. NFCU members also have free access to 30,000+ ATMs through the CO-OP Network.
Is Navy Federal open 24/7?
Navy Federal Credit Union’s 24/7 customer service phone line (1-888-842-6328) and Navy Federal Mobile app are available around the clock, every day of the year. Physical branches operate during business hours (typically Monday to Friday 9 AM to 5 PM, with shorter Saturday hours at many locations and most closed Sundays). NFCU-branded ATMs and CO-OP Network ATMs are accessible 24/7.
What is Navy Federal’s customer service phone number?
The Navy Federal Credit Union 24/7 customer service number is 1-888-842-6328 (also known as 1-888-842-NFCU). The line is available around the clock, every day of the year. International callers can dial +1 703-255-8837 (toll charges apply); country-specific toll-free numbers are available for Germany, Italy, Japan, Netherlands, South Korea, and the United Kingdom. For Business Solutions, call 1-877-418-1462 (Mon-Fri 8 AM to 7 PM ET). For hearing-impaired users, dial 711 first and then the main number.
Who is eligible to join Navy Federal Credit Union?
Navy Federal Credit Union membership is open to: active duty, retired, or veteran members of the Army, Navy, Air Force, Marine Corps, Coast Guard, Space Force, and National Guard; DoD civilian employees and contractors (including DoD reservists assigned to a Selected Reserve Unit); ROTC, OCS, and other officer candidates; Delayed Entry Program (DEP) participants; and family members (spouses, children, grandchildren, parents, grandparents, siblings, including extended family) and household members of any eligible person. To verify your eligibility and apply, visit navyfederal.org/membership/eligibility.
Does Navy Federal have branches on US military bases?
Yes. Navy Federal operates 178 branches on or near US military bases in the United States, plus 60 overseas branches and 272 ATMs at military installations across 11 countries (Europe and the Pacific) under the DoD’s Overseas Military Banking Program. Use the dedicated Locations by Service page at navyfederal.org/branches-atms/locations-by-service.html to find branches at specific Army, Navy, Air Force, Marine Corps, Coast Guard, or Space Force installations.
What is the difference between Navy Federal Credit Union and a bank?
Navy Federal is a not-for-profit, member-owned credit union, not a bank. Banks are for-profit corporations that distribute profits to shareholders. Credit unions like NFCU are cooperatives owned by their members, so surpluses are returned to members through better rates on loans and deposits, lower fees, and member dividends. NFCU is federally chartered and regulated by the National Credit Union Administration (NCUA), and members’ deposits are insured by NCUA up to $250,000 per share owner (similar to FDIC insurance at banks).
What is the CO-OP ATM Network?
The CO-OP ATM Network is a shared ATM network with more than 30,000 ATMs at credit unions and retail locations (such as 7-Eleven, Costco, Speedway, Circle K, and Walgreens) across the United States and Canada. Navy Federal members can use any CO-OP Network ATM with no surcharge. Look for the CO-OP, Allpoint, or Visa/Plus logos on the ATM, or use the Navy Federal locator to find a CO-OP ATM near you.
What is the DoD Overseas Military Banking Program?
The DoD Overseas Military Banking Program (sometimes called the Community Bank) provides on-base banking services to US active duty military, DoD civilian employees, and authorised personnel stationed at US military installations overseas. Navy Federal Credit Union began operating the program on 5 April 2024, replacing Bank of America. NFCU now operates 60 overseas branches and 272 ATMs at military installations across 11 countries in Europe and the Pacific. Deposits at Overseas Community Bank locations are insured by ESI (Excess Share Insurance) rather than the NCUA.
Is Navy Federal safe? Is it NCUA insured?
Yes. Navy Federal Credit Union is a federally chartered, member-owned credit union regulated by the National Credit Union Administration (NCUA). Member deposits at Navy Federal are insured by the NCUA up to $250,000 per share owner, the same coverage level as FDIC insurance at banks. Navy Federal is the largest credit union in the world by both members and assets and has been operating continuously since 1933.
Get support
If you have a question about Navy Federal services or finding a branch or ATM, you can browse the bank directory on our homepage, see the ATM Near Me guide for general ATM tips, or email us at info@bank-nearme.com.