Does Navy Federal Credit Union offer 24 hour customer service?
A:Yes! This call center operates 24 hours a day, 7 days a week.The least busy day is Sunday, and the most busy day is Wednesday.Schedule a call when it's convenient for you.
Q:
How long will I wait on hold?
A:The average hold time is 1 minute and 15 seconds.The longest hold times are on Thursday, and the shortest are on Tuesday.You can skip the hold time for free.
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Navy Federal Credit Union below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Navy Federal Credit Union phone number to document the phone system.
Here is how our research team describes the way the Navy Federal Credit Union phone system greets you: Say or enter your access number or full social security number. Alternatively, you can also say "I am not a member."
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:At the first menu, say "Not a member," then say "Something Else."
Below are some clips we've found from Navy Federal Credit Union's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
They may ask your reason for calling (instead of a menu)
"I still didn't hear anything.
If you need a moment to get your axe thank you.
I couldn't find that number. Let's try again. Please say or enter your access or your full Social Security number, or you can say more options."
Excerpt from a call with Navy Federal Credit Union
Tuesday, March 25, 2025 2:57 AM
They may ask you to enter information with the dial pad
"You can also say not a member.
I didn't hear you.
If you need a moment to get your accent number, say hold on.
You can also say more information or not a member.
Otherwise, enter your access number or Social Security number followed by the pound sign."
Excerpt from a call with Navy Federal Credit Union
Tuesday, July 8, 2025 6:35 PM
They may ask you to say or enter information
"Welcome to Navy Federal Credit Union.
To look up your account, please say or enter your access number or full Social Security number."
Excerpt from a call with Navy Federal Credit Union
Tuesday, July 8, 2025 6:35 PM
What are the hours and when should I call?
Navy Federal Credit Union operates the call center for this 888-842-6328 phone number 24 hours, 7 days.The short answer is that you should call on a Tuesday.This observation and the following section are based on analysis of a sample set of 1,185 calls made in the last 90 days using our free, web-based phone (see above).
Call when they- and you- are open
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, you can also schedule the call with Navy Federal Credit Union at a time when they are open and when it works for you. We will confirm you are ready before placing the call, just in case. That means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Navy Federal Credit Union phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Navy Federal Credit Union staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Navy Federal Credit Union is Sunday.The most busy day to call is Wednesday, which averages 73% more phone calls by comparison.Again, this is based on a sample of 1,185 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Busiest
Thu
Fri
Sat
The shortest wait on hold
We measured the shortest hold times to be on Tuesday.The longest wait in the queue on average occurs on Thursday, which is 671% longer than the minimum.As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.
In summation, the best day to call Navy Federal Credit Union is Tuesday.It isn't the least busy day, but the fact that hold times are shortest combined with it being on the busy side tells us that Navy Federal Credit Union staffs up on Tuesday to handle the higher call volume, and that makes it the best time to call.
Calling this Navy Federal Credit Union Customer Number
Unless you're actually eligible for a Navy Federal Credit Union account, this phone number cannot be used. When you dial, you're immediately hit with a chokepoint of having to enter your access number or your Social Security Number, both of which can easily identify you as being eligible or not eligible.
Your access number with Navy Federal Credit Union is granted to you after you've signed up for an account, and providing your Social Security Number can instantly identify whether or not you're eligible. If you are an active member of the military or a veteran who was honorably discharged, or you are an immediate family member of an active military member or veteran, you're eligible to sign up for an account.
Immediate family members include spouse, parents, siblings, grandparents, children and grandchildren of a member of the military, as well as anyone who's living at the household of an active duty military member or veteran. If you don't fit the criteria as a relative of someone who's served, you are not eligible to get an account and cannot even speak to someone without providing your SSN to give them your personal information.
As I wasn't willing to do that, I don't have a complete picture of this phone number and how effective it is to call. In practice, this phone number is used to report fraudulent activity on your account and is available 24 hours a day. The number even provides help if you misdial, as I did the first time. I accidentally transposed two numbers, and I was told that I had dialed a non-working number and was given the correct number.
If I were eligible for an account, I'd consider using this phone number if needed. Otherwise, don't bother.
Jeff truly believes that all customers deserve good service. He’s been building tools, inventing phone tree hacks and helping customers since before his days at GetHuman. He's also a Google GDE and involved in the Angular community.
Why Customers Call Navy Federal Credit Union
If you have time to do a bit of reading before you call Navy Federal Credit Union, we recommend you read over some of our problem-specific articles.
Click the link above to get answers to just about any Navy Federal Credit Union customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Navy Federal Credit Union, and their purpose. Are any of these similar to the reason you are trying to call?
Reopen checking account: "I was calling in regards to getting my checking account open back up."
- From a call lasting 12m 28s , Jun 19, 2025 6:48 PM
Bank wire transfer inquiry: "How do I go about doing the bank wire?"
- From a call lasting 7m 16s , Jun 2, 2025 10:43 AM
Information about why customers call Navy Federal Credit Union is extracted from issues that customers have reported to GetHuman.
Use the link to connect with customer service through Twitter
Navy Federal Credit Union, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.
Navy Federal Credit Union Customer Help Desk / Web Support
As a last, sometimes only, resort- Navy Federal Credit Union customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is Navy Federal Credit Union's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Navy Federal Credit Union agent. This phone number is Navy Federal Credit Union's best phone number because 642 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 888-842-6328 include Setup an account, Question, Complaint and other customer service issues. Rather than trying to call Navy Federal Credit Union first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web or twitter. In total, Navy Federal Credit Union has 1 phone number. It's not always clear what is the best way to talk to Navy Federal Credit Union representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for Navy Federal Credit Union. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Navy Federal Credit Union. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.
