Navy Federal Credit Union Hours: What’s Open and How To Bank Anytime
Written by
Caitlyn Moorhead
Edited by
Joe Evans
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Planning a branch visit?
Here’s a simple, year-round guide to Navy Federal Credit Union (Navy Federal) hours — how branches typically operate, which holidays affect service and the fastest ways to handle your banking in the app, online or at an ATM when the lobby is closed.
Navy Federal Regular Branch Hours
Hours vary by city and branch format, but many locations follow something like:
- Monday to Friday: around 9:00 a.m. – 5:00 p.m. (some until 6:00 p.m. on Fridays)
- Saturday: commonly 9:00 a.m. – 1:00/2:00 p.m. (select locations)
- Sunday: closed
Always confirm your local schedule using the Branch & ATM Locator (website or mobile app). On-base, in-store and specialty branches may differ.
Lobby, ATM & In-Branch Services
Some services run on separate or shorter schedules than the main lobby:
- ATM Vestibules: Typically 24/7 card access for withdrawals; many Navy Federal ATMs also support deposits and balance inquiries.
- CO-OP Network ATMs: Members can access a large fee-free partner network nationwide — use the locator to find nearby machines.
- Safe Deposit Boxes: Where available, access is usually limited to staffed branch hours — call ahead.
- Appointments with Representatives: May be recommended for mortgages, loans or complex account needs.
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 |
Processing note: ACH and many direct deposits don’t post on federal holidays. Items scheduled for a holiday generally post the next business day.
How To Bank With Navy Federal When Branches Are Closed
You’ve got options any time of day:
Mobile & Online Banking
- Check balances and recent activity
- Transfer funds and pay bills
- Deposit checks with mobile deposit (availability/limits apply)
- Set up alerts and schedule payments
- Send and receive money with Zelle® (recipient eligibility/limits apply)
- Apply for credit cards and loans online
ATM Access
- Withdraw cash and check balances
- Make deposits at eligible Navy Federal ATMs
- Find fee-free partner CO-OP ATMs with the locator when you travel
Member Support
- 24/7 phone support for general assistance
- Live chat (virtual assistant 24/7; live reps during posted hours)
- Secure Message inside online banking for non-urgent requests
Tips for Smooth Banking (Any Day)
- Deposit early if you need funds available right after a weekend or holiday.
- Schedule bill payments a day or two ahead to avoid late fees.
- Use Zelle® for eligible person-to-person transfers when timing matters.
- Save the locator to quickly find Navy Federal and CO-OP ATMs on the go.
- Book an appointment for mortgages, lending questions, or complex service needs.
Final Take to GO:
Navy Federal makes everyday banking easy — even when the lobby is closed. With 24/7 mobile and online tools, access to a broad ATM network (including CO-OP) 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.
Curious how other banks compare? Check out holiday schedules for Bank of America, Wells Fargo or Chase to plan your next visit.
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 & 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; most are closed Sundays. Confirm locally.
- 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 August 29, 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.
