Navy Federal Credit Union

Pure quick and friendly knows they’re job it was my first time to being in this location and I really like them thx

Excellent customer service. A wonderful bank to do business with. NFCU is good to their customers. They have great rates and you can even get something notarized at a branch if needed.

As most of us Unilocal users do, I take all reviews with a grain of salt. Some reviews seem to have been written in a fit of rage and the incoherency accented with all capital letters screams «upset customer.» Those reviews actually make me distrust the reviewer slightly, though however unfair that may be. I always thought one should take a breath, step back, give it a few minutes, then write the review.
Let me make an exception here.
I walk up to the branch at 1:59pm according to my trusty Steve Jobs apparatus. I run up to the door with a slight elation — nothing gets your blood going like playing beat the clock to the bank — and pull the door handle.
It’s locked.
There’s a guy sitting there, dark haired, dark complexion, and usually a fairly pleasant fellow. I forget his name… Anyway, he mouths «Dbsjkakz hshdjsjjaj… djfkek ckdksk.» from where he’s sitting.
What?
He does it again.
… huh?
He finally gets off his ass, walks over to the locked door, refusing to open it still, and yells «We’re closed! We close at 2!» I look at my watch, notice it had just turned 2 while he was pantomiming, and tell him that I just need to deposit a check. He says with a complete and utter indifference, «So? We close at 2. Sorry» then walks away.
Did he just say, «So?»
[mind: blown]
Now, I’ve been with Navy Federal Credit Union for about 14 years since that one fateful evening in bootcamp when they forced us naïve kids to sign up for NFCU. I’ve been coming to this branch for over 5 of those years. Sad to say, I’ve had a longer relationship with Navy Fed than all of my relationships with other banks, cars, and women COMBINED.
This is the service I get?
Granted, he doesn’t know me from Adam, but I did run up in a three– piece suit (on my way to work) so he knows I’m not some bum trying to cash a $ 3 pity check. In fact, I know he recognizes me from all those other times I’ve run in. So for him to turn me away when I arrived right at closing time, it tells me exactly what my value is to the bank and the employees here.
Now, the Chula Vista branch, where I’ve only been a few times, opened the door and let me in 5 minutes AFTER they closed on a Friday evening. Granted, she did chide me and let me know to come in on time from now on in a sweet motherly way, but that’s a way to build loyalty — on a foundation of gratitude.
Over the years, I’ve diversified my banking due to my inherent distrust of all banking organizations so I have accounts with SDCCU and Kinecta. However, NFCU has always been my go– to for everything I needed done. Even at the risk of losing an account with the longest history and hurting my credit slightly, I’m done with Navy Federal.
Thanks for not– so– good times.

on March 30^th 2015 I brought three relatives and a roommate/​fiancé in to sign up for an account. The wait was long due to promotions for the month of March. Out of all their employees there was one that stood out and went above and beyond to help me and my family members, his name was William. I’m not too sure what his last name was but he was very courteous and did everything he could to make me and my family happy. He was very respectful and had the upmost professional attitude. If this bank had more employees like this I don’t think there would be any negative reviews, except for those people who always tend to be negative and have something to complain about. I Have absolutely nothing negative to say about this branch… It sure beats any other bank I’ve ever walked into… Bank of America, Wells Fargo, and chase have nothing on this bank. Except for the fact that they might have much more attractive females as employees, other than that, its Navy Federal hands down! Thanks a lot William for all your help! You’re the best!

Hocus Pocus was playing in the lobby… can’t beat Hocus Pocus!
Not sure about all of these negative reviews… it is a bank! This review is for the SANTEE OFFICE, as it should be, not Navy Federal Credit Union as a whole.
We have banked with Navy Fed for 5 years, have never had any issues. We moved to Lakeside last year and for the first time this week, went to the Santee branch. We thought it was going to be a tiny little place, but the outside is deceiving. It is a very large branch.
We came in to the branch to see what interest rate they could offer us on an auto loan. We worked with Will, who helped us out with soooo much more than what we had originally arrived for. He was nice, and patient.
I must point out though, when we first arrived, there were 3 women at the front desk clearly doing something, but not ONE of them picked their head up to acknowledge us. Once they were done conversing, they then greeted us. Hence the 4 stars

I walked in at 1:45pm only 15 minutes before closing, which is probably why I was able to do my banking fairly quickly and the teller was polite. After she asked me, «is there anything else I can help you with sir?» I followed with, «yes, could you guys please replace my currently damaged debit card?» She responded by telling me that I had to go to the front desk for a card replacement, so I did. As soon as they start processing my request I realized that I didn’t have my phone on me! Big deal right? Well it sort of is since I have a pregnant significant other who’s getting ready to explode, therefore, having my phone on me is a must at this time. I ask the lady (tall robust older redheaded woman wearing a purple top and black pants) guarding the door at 2:01pm if i could please step out to retrieve my phone since I was waiting for my card. She replied, «no if you step out you can’t walk back in.» Not in the most polite tone either. Might I add that she allowed a man to walk in at 2:01pm for his banking necessities even after the door had already locked for one minute? If you’re going to be cruel at least be just. Never coming here again. Branch managers, it appears as though some of your employees have no etiquette, perhaps some etiquette training would help this branch achieve better ratings.
Service member and costumer since April 2009. You’re welcome.

THERE ARE THOSE WHO ROB WITH GUNS-​THERE ARE OTHERS THAT ROB WITH A SWIPE OF A PEN…
I’d rather be robbed by someone with a gun. At least it would be over quickly and move on. I’d more likely shoot the robber before he could blink.
Navy Fed
Very incompetent and inefficient. I remember the days when Navy Federal was a small specialized place to bank. You had to be deployed OCONUS to join and it was a privilege to bank with them. Now all it takes to join is to be related to someone who has served and you’re in. Personal banking there has no real benefits to speak of. I got a couple of quick and easy auto loans from them and I liked that. Lines are always long at all of the branches I’ve been to. Calling the 800# is always a 30 minute or more ordeal. Biggest mistake I ever made was opening a business account there and I swear I will regret it for a very long time. The «cute» patriotic commercials are to lure the masses in. Fees are outrageous and don’t make sense. I highly discourage anyone from putting too much trust in these guys. Upper management is lining their pockets. They’re growing too fast and can’t handle the growth and it really shows..

Such a nice navy federal credit union! I’ve been here two times and had different people and they’re all super nice and helpful. Clean facility and never have to wait!!!

DO NOT GET AN AUTO LOAN FROM HERE… Trying to by a truck I’ve been pre approved already, in order for me to get a check is to show them the vehicle info so last Saturday I found a truck and went to the dealership to test drive it, I really like the truck so I had the salesman print out the vehicle info and the carfax, I go to navy fed in Santee and waited an hour to get help from the loan person, she needed my paystubs? Why I’m already pre approved. I gave her my paystubs and she goes and faxes them off so I said «do you need the truck info?» and she said «that’s the next step» the paystubs will take about an hour, so I was there 2 hours now, all I needed was a check to go buy a truck. So I was waiting and an hour was up so I went to the front and she didn’t even help me so I sat back down and the salesman called me saying they just sold the truck. I was so pissed off I walked straight out. Because of this I’m switching credit unions. This happened last Saturday

Bunch of idiots. We check in with front desk and told them we wanted to apply for membership. We handed Dad’s Navy honorable discharge papers over to them, they asked if he’s retired… uhh…yes. They asked if more than 20 years… uhh…yes. They said, «ok. I’ll take down your name and go have a seat. Someone will be with you shortly». Well they must be tied to the government because «shortly» was 51 minutes. FINALLY called our name and said they can help, as they were giving us their intro folder, Penny came out yelling our names… repeatedly. Uhhhh, right here, standing in front of you, talking to your co-​worker. She said she can help us so took us back to her office, asked if we wanted to open an account. I said we wanted to apply for membership. She looked at discharge papers and asked, «is he active?» Uhhhh, no. «Is he retired?» Uhhhh, see the paper you are holding? «Is he still alive?» Yes. «Oh my». Uhhh, what? «We are sorry, you don’t qualify for membership». She then wanted is to wait longer while she went and talked to the first idiot that made us wait 51 minutes to be told we shouldn’t be there. Uhhh, no. Do that on your own time, you’ve already wasted enough of mine.

The service here is excellent. Such a great experience. I wish bofa were managed and staffed this way.

CAUTION, CAUTION, CAUTION… I have a navy federal account and was falsely accused of using some other persons account. I did use the other persons account, however, they gave me their information so I could go in and deposit/​withdraw funds. Well, I guess this person didn’t agree to the withdraw and filed a complaint with the bank. This matter is now pending a court hearing, however, Navy Federal, on the word of this other person (I use the term, «person» loosely) FROZE my account. Yep, now the funds I do have in the account are unavailable. Me, being who I am, returned the funds to the person, I’ll have my day in court, but my funds are still frozen. The only way Navy Federal will release the funds is if the other person tells them that the funds were returned. Well, you can imagine that if the person filed a false complaint in the first place, they are not going to say that the funds were returned, and that is exactly where I am today.
I called NF to let them know that I was falsely accused. I was hung-​up on over 4 times. Now I have to get a copy of the original court document that states that the funds were returned before I can have access to my funds in this bank.
It’s pretty scary when a bank thinks they have the right to do this. Now, if there was actual fraud or misconduct, by all means, freeze an account. But in this case, NF lacks common sense and are acting on the wrong persons behalf. I can’t even pay my car note. This is the best part. I was never notified that my account was being frozen. I checked my account online and (this is the kicker) I can make all the deposits in the world, I just can’t make any withdraws.
Those MF’s!!! Sure put money in all you want. No notification. What the F!!!
I know NF is a convenient bank for military and those of us that are former military, but I just want everyone that reads Unilocal to know that this is how Navy Federal is treating this matter. Without any comprehensive investigation. I’ll be contacting BBB after this post.
Caution, Caution, Caution…

I figure I will write this while I stand in line. Favorite branch hands down. Great staff. Smaller lines than any other branch office. I go here about one a week so it really helps to have an enjoyable atmosphere.

I have been banking with Navy Fed for about a year now. I can honestly say I’ve really enjoyed it. I have used numerous other banks and I would say I’m not going anywhere from here on out. Also, I refinanced my car through them and got a better interest rate and the process was smooth and easy. I’m pleased to be a Navy Fed member.

always enjoy going in here, the line moves extremely fast (even during lunch or payday). service is never lacking and it has a polite quiet atmosphere.
never seen an employee with a «down face» like they wished they were anywhere but there!

We have visited this branch 3 times in the past couple years for mortgage loan assistance (refi & pre-​approval letters). We have been seen fairly quickly and had great experiences with Paula, MariFe, and Jaime. Big thumbs up to these three awesome ladies!

My experience with Navy Federal has not been all that great for being a Credit Union. My credit card is currently 15% interest while my credit rating is in the 700’s. I’ve been banking with them for almost 2 years and making large payments to my credit card ON TIME every month. I signed up for a «Flagship Rewards» card back in February and while getting the card, I asked the rep on the phone if there was something they could do to lower my interest rate. She replies «No, I’m sorry». I called again today (4 months later) about lowering my interest rate and they tell me I can’t request that again for 12 months! Are you F-​ing kidding me? My interest rate through Wells Fargo is lower than Navy Fed!
To top it off, the rep on the phone told me you get instant discounts at hotels and restaurants that participate in the rewards program. That’s bull crap. The rep I talked to today says you have to pay for gift cards. If I had known that I wouldn’t have wasted my time or money signing up for the rewards card in the first place.
I feel very misled…
Also, last month I purchased a new Honda and Navy Federal wanted 16% interest on the loan. That’s pretty ridiculous for a «military-​friendly» credit union. I couldn’t believe they wanted that much… I ended up getting 1.99% financing through Honda.
Overall I’m growing more and more unhappy with Navy Federal and plan on taking my money out of their bank (s). They can go screw themselves.

Love this branch! Pricilla at the front desk was just super sweet and nice! Totally made my day even better then it already was!

Sometimes when I go into this branch its really quick. Other times I’m waiting in line for an HOUR and they don’t seem to do anything about. I have called customer service about them mulitple times and Customer service even refuses! I WILL NOT Be going there again

Best bank ever. I’ve had accounts at other banks before and only used navy fed for a savings account. Well for the past few years I have since left those other banks and made navy fed my only bank. Great customer services awesome fraud prevention services this place is awesome. This particular branch is clean and everyone is very friendly. I can’t speak for other branches but I know this one is awesome.