Navy Federal Credit Union

800 Phone Numbers

How to call Navy Federal Credit Union: use the toll free number below to contact customer support for account help, lost cards, bill pay etc. When you call, you will be asked the questions below.

Customer Service / General Questions


How to Speak to a Real Person

Dial 1-888-842-6328 and then press 0 twice. You will be asked to provide some more information before being transferred to a human agent.

  • Welcome to Navy Federal Credit Union. Please enter your access number or social security number followed by the Pound sign.
  • If you’re calling without your access number, just press Pound.
  • For checking, checking line of credit, and red debit cards, press 1.
    • For checking, press 1
    • For checking line of credit, press 2.
    • For debit cards, press 3.
    • To return to the previous menu, press Star.
  • For savings, certificates, IRA’s, and Money markets, press 2.
    • For savings, press 1.
    • For certificates, press 2.
    • For IRA’S, press 3.
    • For money market savings, press 4.
    • To return to the previous menu, press Star.
  • For credit cards, press 3.
    • For a lost card or declined transactions, press 1
    • To report an unauthorized transaction, press 2.
    • For existing credit cards, press 3.
    • To apply for a new credit card or check application status, press 4.
    • To return to the previous menu, press Star.
  • For mortgage, equity, auto, or other loans, press 4.
    • For mortgage or Equity, press 1.
    • For auto and other loans, press 2.
    • To return to the previous menu, press Star.
  • For all other matters, press 5.
    • To make a payment or transfer money, press 1.
    • For telephone password, Navy Federal online, or our mobile App, press 2.
    • For Branch locations and hours, press 3.
    • For our routing number, press 4.
    • For vehicle title, press 5.
    • To return to the previous menu, press Star.
  • Or to speak with a member service representative, press 0.

Other Numbers

Lost or Stolen Card: Call 1-888-842-6328 (24/7)

Member and Account Services: 1-888-842-6328

Mortgage Services: 1-888-842-6328

Check Reorders: Checking, Checking Line of Credit & MMSA: 1-888-842-6328

Bill Pay: 1-888-560-8031

Contact Business Services: 1-877-418-1462