Navy Federal Credit Union Routing Number 256074974
All Navy Federal accounts nationwide — ACH, direct deposit & wires
ABA Routing Number
256074974
Wire Transfers
Direct Deposits
ACH Payments
Bank Details
- Institution
- Navy Federal Credit Union
- Headquarters
- Vienna, VA
- Used for accounts opened in
- Virginia
- SWIFT Code (international wires)
- NFCUUS33
- Customer Service
- 888-842-6328
- Official Website
- navyfederal.org
How to Use This Routing Number
The routing number 256074974 identifies Navy Federal Credit Union for electronic transactions. Typical uses:
Direct Deposit
Set up payroll deposits with your employer
Wire Transfers
Receive domestic wire transfers
ACH Bill Pay
Pay bills online via automated clearing house
Link Accounts
Connect external accounts and payment apps
⚠️ Always verify before sending money
Routing numbers depend on where your account was opened and on the transaction type (ACH vs. wire). Before moving money, confirm the number in one of these places:
- Your Navy Federal Credit Union mobile app or online banking (account details)
- The bottom-left corner of your checks
- The official website: Navy Federal Credit Union routing number page
- Customer service: 888-842-6328
Wire Transfer vs ACH
Wire Transfer
Speed: Same day
Cost: Usually $15–$35
Best for: Large amounts, urgent
ACH Transfer
Speed: 1–3 business days
Cost: Free or low cost
Best for: Payroll, bills, routine
Read more in our Wire vs ACH guide.