Navy Federal Hours: Full 2025 Schedule and Holidays
Written by
Caitlyn Moorhead
Edited by
Elizabeth Constantineau
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Planning a trip to your local Navy Federal Credit Union branch? Here’s a quick guide to branch hours, holiday closures and the easiest ways to manage your money online, in the app or at an ATM when branches are closed.
Standard Navy Federal Hours
Hours vary by city and branch format, but many locations follow these hours:
- Monday to Thursday: 9:00 a.m. – 5:00 p.m.
- Friday: 9:00 a.m. – 6:00 p.m.
- Saturday: 9:00 a.m. – 1:00 p.m.
- Sunday: Closed
Always confirm your local schedule using the online branch locator. On-base, in-store and specialty branch hours may differ.
Navy Federal 2025 Holiday Schedule
Planning ahead? Here’s the full list of holidays when Navy Federal branches will be closed in 2025:
| Holiday | Date | Branch Hours |
|---|---|---|
| New Year’s Day | Wednesday, Jan. 1 | Closed |
| Martin Luther King Jr. Day | Monday, Jan. 20 | Closed |
| Presidents Day | Monday, Feb. 17 | Closed |
| Memorial Day | Monday, May 26 | Closed |
| Juneteenth National Independence Day | Thursday, June 19 | Closed |
| Independence Day | Friday, July 4 | Closed |
| Labor Day | Monday, Sept. 1 | Closed |
| Columbus Day / Indigenous Peoples’ Day | Monday, Oct. 13 | Closed |
| Veterans Day | Tuesday, Nov. 11 | Closed |
| Thanksgiving Day | Thursday, Nov. 27 | Closed |
| Christmas Day | Thursday, Dec. 25 | Closed |
Good To Know
ACH and many direct deposits don’t post on federal holidays. Items scheduled for a holiday generally post the next business day.
Lobby, ATM and In-Branch Services
Some Navy Federal services may operate on different schedules than the main lobby.
- ATM vestibules: Most Navy Federal ATMs offer 24/7 card access for withdrawals, and many also allow deposits and balance inquiries.
- CO-OP network ATMs: Members can use a large network of fee-free partner ATMs nationwide. Use the branch and ATM locator to find one near you.
- Safe deposit boxes: Where available, safe deposit boxes can be accessed only during staffed branch hours, so it’s best to call ahead.
- Appointments with representatives: Members can schedule appointments or meet with representatives during standard branch hours.
How To Bank With Navy Federal When Branches Are Closed
You’re not out of luck when branches are closed. Here’s how you can still get your banking tasks done.
Mobile and Online Banking
- Check balances and recent activity
- Transfer funds and pay bills
- Deposit checks with mobile deposit
- Set up alerts and schedule payments
- Send and receive money with Zelle
- Apply for credit cards and loans online
ATM Access
- Withdraw cash and check balances
- Make deposits
- Find ATMs with the locator when you travel
Member Support
- 24/7 phone support for general assistance
- Live chat with a virtual assistant or live reps
- Secure messages inside online banking for non-urgent requests
Tips for Smooth Banking
- Deposit early: Plan ahead if you need funds available right after a weekend or holiday.
- Schedule bill payments: Try to schedule a day or two ahead to avoid late fees.
- Use Zelle: Payment apps come in handy around holidays.
- Save the locator: Use this feature to quickly find Navy Federal and CO-OP ATMs on the go.
Final Take To GO
Navy Federal makes everyday banking easy — even when the lobby is closed. With 24/7 online and mobile banking tools, access to a broad ATM network and flexible support options, you can check balances, move money, pay bills and deposit checks on your schedule.
For anything requiring in-person help, confirm your branch hours and plan your visit on a regular business day.
FAQs: Navy Federal Hours and Access
Here are the answers to some of the most frequently asked questions about Navy Federal's holiday hours and how it works:- What are Navy Federal’s hours today?
- Branch hours vary by location. Check the branch and ATM locator in the app or on the website for today’s schedule.
- Are Navy Federal branches open on weekends?
- Many branches offer limited Saturday hours and most are closed on Sundays. But branch hours may vary, so you should confirm before making a trip.
- Do deposits post on bank holidays?
- Generally no. ACH and many direct deposits don’t process on federal holidays and typically post the next business day.
- Can I open an account or apply for a loan when the branch is closed?
- Yes. You can apply online or in the app anytime — underwriting and servicing resume on business days.
- Is there 24/7 customer service?
- Yes. Navy Federal provides around-the-clock phone support, plus chat options and secure messaging.
- Can I access a safe deposit box outside lobby hours?
- Usually no. Safe deposit access is limited to staffed hours — call your branch to confirm availability.
Hours are subject to change and may vary by branch. All holiday hours were confirmed as of Oct. 6, 2025.
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.
