Here’s Your Navy Federal Routing Number

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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.

The Navy Federal Credit Union routing number is the same in every state including Washington D.C. See the full list below.

Navy Federal Routing Number By State

Navy Federal Credit Union Routing Number
State Routing Number
Alabama 256074974
Alaska 256074974
Arizona 256074974
Arkansas 256074974
California 256074974
Colorado 256074974
Connecticut 256074974
Delaware 256074974
District of Columbia 256074974
Florida 256074974
Georgia 256074974
Hawaii 256074974
Idaho 256074974
Illinois 256074974
Indiana 256074974
Iowa 256074974
Kansas 256074974
Kentucky 256074974
Louisiana 256074974
Maine 256074974
Maryland 256074974
Massachusetts 256074974
Michigan 256074974
Minnesota 256074974
Mississippi 256074974
Missouri 256074974
Montana 256074974
Nebraska 256074974
Nevada 256074974
New Hampshire 256074974
New Jersey 256074974
New Mexico 256074974
New York 256074974
North Carolina 256074974
North Dakota 256074974
Ohio 256074974
Oklahoma 256074974
Oregon 256074974
Pennsylvania 256074974
Rhode Island 256074974
South Carolina 256074974
South Dakota 256074974
Tennessee 256074974
Texas 256074974
Utah 256074974
Vermont 256074974
Virginia 256074974
Washington 256074974
West Virginia 256074974
Wisconsin 256074974
Wyoming 256074974

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.

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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.

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.

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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.

How To Find Your Routing Number

There are a few ways to find a Navy Federal routing number. If you remember which state you opened your account in, you can just use the chart above or simply follow the steps below.

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.

Information is accurate as of July 11, 2022.

Editorial Note: This content is not provided by Navy Federal Credit Union. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Navy Federal Credit Union.

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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.
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