Here’s Your Navy Federal Routing Number

Find your Navy Federal routing number quickly.

The Navy Federal Credit Union serves 7.5 million military members and their families and is the world’s largest credit union. If you currently bank with Navy Federal, or you plan to do business with someone who banks at Navy Federal, you’ll need to know the bank’s routing number.

Navy Federal has the same routing number for all of its locations and branches:

Navy Federal Routing Number
All Locations256074974

Related: 10 Best Military Banks and Credit Unions of 2018

Save for Your Future
Sponsors of

What Is a Routing Number?

Routing numbers are sometimes called ABA numbers or Bank Transit Routing numbers. This number is assigned to the bank or credit union by the Federal Reserve. Each financial institution has its own nine-digit code that sets it apart from other banks.

Your Navy Federal Credit Union routing number, which is provided right on the homepage of the company’s website, is 256074974. The first four digits of this routing number are called the Federal Reserve Processing Symbol because they identify the Federal Reserve District and regional processing center the credit union is located within. The next four digits determine the specific bank, such as Navy Federal Credit Union. The final digit is generated using a special algorithm and is referred to as the “check digit” because it ensures the entire number is valid.

Banks Can Have Multiple Routing Numbers

Your financial institution will use routing numbers on paper checks and electronic fund transfer requests to know where to send or deposit the funds in question. Although Navy Federal Credit Union only uses one routing number for all of its transactions, other financial institutions that have multiple branches in different states often have more than one routing number to identify the bank and its specific branch. For example, Wells Fargo and Bank of America have dozens of routing numbers.

Discover: These Are the Best Banks and Credit Unions for Young Adults

Different Routing Numbers for International Wire Transfers

The only Navy Federal wiring info you need is the company’s routing number. Navy Federal uses the same number for international wire transfers as it does for direct deposits and checks. Other financial institutions; however, opt to use a separate routing number for wire transfers, so it is important to check with the specific bank or credit union to determine if this is the case, and if so, what the wire transfer routing number is.

International wire transfers also sometimes require a Swift Code, a series of eight to 11 characters including both numbers and letters. Navy Federal does not use this code, but other banks and credit unions do.

Know Your Routing Number

In addition to locating your Navy Federal routing number on the company’s website, you can also find it on the Navy Federal Credit Union app, or on your checking account’s checks and deposit slips. The routing number is always the first set of numbers at the bottom left-hand corner of your checks and deposit slips. The second set of numbers is your specific account number and the final set of numbers is your actual check number.

Another way to find your routing number is to call the Navy Federal phone number to speak with a 24-hour customer service representative at 1-888-842-6328.

More on Navy Federal

More Routing Numbers


About the Author

Max Lance dug himself out of six figures of student loan debt and travels to colleges and high schools around the country teaching people about financial literacy. He is an Amazon bestselling author whose work has been featured in The New York Times, College Humor and Credit Donkey. He is a writer, bookkeeper and financial coach who mastered credit card points and miles to travel to five continents and half of the country’s 30 MLB stadiums and 59 national parks.