Reporting Fraud and Other Security Issues
Unauthorized Transactions
If a transaction was posted to your account that you didn’t authorize, it’s considered fraud and should be reported as such.
Report Fraud on a Credit Card
Lost/Stolen Cards
If your card is lost or stolen, or you suspect you’re a victim of fraud or identity theft, call Navy Federal immediately at our service line, 1-888-842-6328, so we can instantly put an immediate hold on your account.
Other Ways to Contact Us
How We Protect Your Accounts
Using state-of-the-art fraud prevention systems, our dedicated staff monitors your accounts for fraud and unusual activity and will notify you of any suspicious activity we identify. We follow strict safeguards when mailing out cards and statements, and verify your identity whenever we receive calls. To be certain that we reach you quickly, please make sure we have your updated contact information. In addition, our Zero Liability policy ensures that you won't be responsible for confirmed false charges to your Navy Federal Debit or Credit Card.
Travel Notifications
If you plan to travel internationally or domestically, let us know when and where you’ll be traveling. That way, if our fraud monitoring team sees charges, they won’t flag it as suspicious activity and freeze your account.
There are three ways to place a travel notification on your account:
- Log on to Account Access and add a travel notification to your debit or credit card.
- Choose the travel notification option on the Navy Federal mobile app.*
- Call 1-888-842-6328 for 24/7 live phone support.
Features:
Tiered Rates for the Debt Consolidation Loan
7.49-18.00% |
14.79-18.00% |
Features:
- Fully secured by your Navy Federal savings account
- Savings continue to earn dividends and become available to you as the loan is paid off
- Extended terms of 61 to 180 months available for certain loan purposes,3 subject to loan amount minimums4
Tiered Rates for the Savings Secured Loan
Share rate + 3.00% |
Share rate + 2.00% |
Features:
- Loan amount cannot exceed the certificate balance
- Loan term must be equal to or less than the certificate term
Tiered Rates for the Certificate Secured Loan
Certificate rate + 2.00% |
- How much you want to borrow for your loan
- How long you'd like to finance your loan
- Current employment and income (including your employer's name and contact information)
- Your contact information, including phone number and email (If you'd like your loan documents sent to an address other than your address of record or to a Navy Federal branch, please call 1-888-842-6328)
- Information about your co-applicant, if applicable (date of birth, address, phone number, email, income, employer's name and phone number, Social Security Number, NFCU Access Number)
Business Loans
Own a small business and need money to strengthen or expand it? Our secured business loans can help you cover equipment, vehicles or real estate.
Learn More about Business Loans
Great Rates
Our personal loan rates are competitive, which can make your payments more affordable.
Digital Account Management
Our simple online application and digital banking* options make it easy to manage your personal loan.
Member Benefits
Navy Federal members receive exclusive benefits and support.
How Personal Loans Work
It’s easy to apply online, and only takes a few minutes.
After approval, you can electronically sign your loan to save time—and paper.
Your funds will be automatically deposited into your account in as little as 24 hours.
1
Rates are based on creditworthiness,
so your rate may change. Personal Loan rates range from 7.49% to 18.00% APR.
Payment Example: A loan amount of $5,000 for 36 months has a payment range from $156 to $183 and finance charge range from $623 to $1,598.
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2
Rates are based on creditworthiness, so your rate may change. Home Improvement Loan
rates range from 7.49% to 18.00% APR.
Payment Example: A loan amount of $5,000 for 36 months has a payment range from $156 to $183 and finance charge range from $623 to $1,598.
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3
Permissible loan purposes for extended term loans include home improvements and the purchase of land, airplanes, fully self-contained recreational vehicles, and boats. Terms may apply. Call or visit a branch for additional information.
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4
In general, the following minimum loan amounts are required for extended term loans: $25,000 for loan terms of 61 to 84 months; $30,000 for loan terms of 85 to 180 months. Certain loan purposes may require higher minimum loan amounts. Call or visit a branch for additional information.
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5
Savings Secured Loan Payment Example: Share rate plus 2.00%. Loan amount of $3,000 at 2.25% APR for 36 months has a payment of $86.
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6
Certificate Secured Loan Payment Example: Certificate rate plus 2.00%. Loan amount of $3,000 at 4.05% APR for 60 months has a payment of $56.
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