How to Find Your Navy Federal Routing Number (Quick & Easy)

Updated: 13th Jan 2021
Written by Drew Cheneler
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November 13, 2020
Written by Drew Cheneler

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Headquartered in Vienna, Virginia, Navy Federal Credit Union serves more than 8.5 million active-duty military members, reservists, veterans, and their families. Touted as the worlds largest credit union, you better believe their customers send and receive money daily.

If you are currently a customer, then it is important you know the Navy Federal Credit Union routing number. Fortunately, it is incredibly easy to find NFCU’s routing number. Here is how.

What is My Navy Federal Credit Union Routing Number?

Navy Federal Credit Union only uses one routing number for all U.S. States, Territories, and Washington D.C. Here it is:

  • Navy Federal Credit Union Routing Number: 256074974

That 9-digit number is used and accepted at all NFCU locations. Like we said, this is the only routing number Navy Federal utilizes.

Bonus Insight: The first four digits of any routing number represent the Federal Reserve Processing Symbol. And the next four digits represent the Federal Reserve District and processing center. Finally, the last digit is known as the “check digit.” This digit is produced from a complex algorithm and validates the entire number. The “check digit” helps protect the banking industry from financial and credit fraud.

Navy Federal Routing Number By State

StateABA Routing Number
New Hampshire256074974
New Jersey256074974
New Mexico256074974
New York256074974
North Carolina 256074974
North Dakota256074974
Rhode Island256074974
South Carolina256074974
South Dakota256074974
Texas - El Paso256074974
Washington D.C.256074974
West Virginia256074974

Find Your Navy Federal Routing Number on A Check

Do you have a check nearby? Yes – people still use checks, even though PayPal and Venmo are closing the gap. On the lower left-hand corner, your NFCU routing number is listed.

How to Find Your Navy Federal Credit Union Routing Number

Use the Navy Federal Mobile App

If you don’t believe me, then you can also use the NFCU Mobile app to locate your routing number. Here are the steps.

  1. Download the App
  2. Sign In (Input Your Account Information)
  3. Click “Show More Details” Under Your Current Available Balance
  4. Now Click “Show”
  5. The 9-Digit Number is Your NFCU Routing Number

Not hard, right?

Related: Best CD Rates

Why Do I Need to Know My NFCU Routing Number?

Believe it or not, your routing number is wildly important and used more often than you think. Think of this 9-digit number as the North Star.

It allows other financial institutions to identify yours, so you can send and receive outside money. But that’s not all. Here are a few other reasons why your Navy Federal Credit Union routing number is important:

  • Setting Up Direct Deposit
  • ACH Payments
  • Transferring Money
  • Wire Transfers
  • Tax Refunds
  • Setting Up Automatic Bill Payments

More reasons than you thought, right? So, to tie it all together, your NFCU routing number is important!

Navy Federal Wire Transfers

Most financial institutions use different numbers for both domestic and international wire transfers; however, Navy Federal Credit Union (NFCU) does not. The wire transfer number is the same as their routing number. In case you forget, here is the 9-digit number one more time.

  • NFCU Wire Transfer & Routing Number: 256074974

If you bank with another financial institution, then double-check you are using the right number. Other banks will use a specific SWIFT Code for international wire transfers.

Related: Best Military Banks and Credit Unions

Navy Federal Credit Union Wire Transfer Fees

Unfortunately, wiring money through NFCU is not free. They charge their customers just like every other bank. Here are the NFCU wire transfer fees:

  • International Wire Transfer: $25 (Anticipated Receipt: 5 – 7 Business Days)
  • Domestic Wire Transfer: $15 (Anticipated Receipt: 1 – 2 Business Days)

If you are transferring money internationally, then check out Transferwise. They make it easy for you to transfer money overseas, guarantee the exchange rate, and offer the lowest fees in the industry. This service can save you hundreds of dollars depending on often you transfer money.

Bottom Line: Navy Federal Credit Union Routing Number

Like all routing numbers, your Navy Fed routing number is a 9-digit number (256074974). Use this number if you are sending an ACH Payment or sending a wire transfer. It is the same for both!

More Routing Numbers:

Drew Cheneler
Drew Cheneler
Drew is a recognized Credit, Small Business, and Personal Finance Expert. He has been quoted in CNBC, Fox Business News Section, The Huffington Post,, Moneyunder30, US Chamber of Commerce, and more. He is known for breaking down complex personal finance topics into action-oriented advice, so you can make the most of your hard-earned money.