Navy Federal Credit Union Hours: Full Schedule and Holiday Closures
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GOBankingRates Staff
Edited by
Joe Evans
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Navy Federal Credit Union serves active-duty military members, veterans and their families with branches on and off military installations. Whether you’re planning a branch visit or timing a deposit or transfer, knowing Navy Federal’s hours can help you avoid delays.
Here’s a clear breakdown of Navy Federal Credit Union’s regular branch hours, weekend availability, holiday closures and digital banking options.
Navy Federal Credit Union Hours for Normal Business Days
Most Navy Federal branches follow a standard weekday schedule, though hours can vary by location and whether the branch is on a military base.
| Day | Typical Hours |
|---|---|
| Monday through Friday | 9 a.m. to 5 p.m. |
| Saturday | 9 a.m. to 1 p.m. |
| Sunday | Closed |
Some branches offer extended weekday hours depending on demand and location.
Is Navy Federal Open on Weekends?
Yes. Navy Federal is open on Saturdays at many branches, usually for limited hours. Most locations close by early afternoon.
Branches are closed on Sundays, but members can still access accounts through ATMs, online banking and the mobile app.
Example: If you need cash on a Sunday, a Navy Federal ATM may be your quickest option.
Navy Federal Credit Union Holiday Schedule
Navy Federal observes Federal Reserve bank holidays, which means branches close on major federal holidays each year.
| Holiday | Observed Status |
|---|---|
| New Year’s Day | Closed |
| Martin Luther King Jr. Day | Closed |
| Presidents Day | Closed |
| Memorial Day | Closed |
| Juneteenth | Closed |
| Independence Day | Closed |
| Labor Day | Closed |
| Columbus Day | Closed |
| Veterans Day | Closed |
| Thanksgiving Day | Closed |
| Christmas Day | Closed |
Some branches may close early on days like Christmas Eve or New Year’s Eve, depending on location and base access rules.
What If You Need To Bank When Navy Federal Is Closed?
Even when branches are closed, Navy Federal members can still manage most banking needs:
- ATMs for withdrawals and some deposits
- Online banking for transfers and bill payments
- Mobile app for check deposits, alerts and account access
- Zelle® for sending money
Example: A mobile check deposit made on a holiday typically processes on the next business day.
Do Navy Federal Hours Vary by Location?
Yes. Branch hours may vary based on:
- On-base versus off-base locations
- City or region
- Local staffing and security requirements
Branches on military installations may follow base access policies in addition to standard hours.
Use Navy Federal’s branch locator to confirm hours before visiting.
Navy Federal Services and Cutoff Times
While digital banking is available 24/7, some services follow business-day rules:
- ACH transfers: Process Monday through Friday
- Wire transfers: Have earlier daily cutoff times
- Mobile deposits: Subject to posting schedules
Transactions submitted after the cutoff times or on holidays may post the next business day.
How To Contact Navy Federal Credit Union
If you need help outside branch hours, Navy Federal offers several support options:
- Phone: 1-888-842-6328
- Website: navyfederal.org
- Mobile App: Deposits, transfers and account management
- Mail: Navy Federal Credit Union, P.O. Box 3000, Merrifield, VA 22119
Automated phone banking is available 24/7.
Final Tips for Banking With Navy Federal
- Check branch hours before visiting: Hours vary by location and base access
- Plan around holidays: Branches close on federal bank holidays
- Use digital tools: Many tasks don’t require a branch visit
- Watch cutoff times: Transfers and wires may process the next business day
Example: If you need a cashier’s check or wire transfer, visiting earlier in the day improves your chances of same-day processing.
All holiday hours were confirmed as of Jan. 2, 2026. Check with your local retailer to confirm specific hours. Hours and policies are subject to change.
Editorial Note: This content is not provided by any entity covered in this article. 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 any entity named in this article.
