Navy Federal routing number

Use 256074974 for everything. Navy Federal publishes that one routing number for all members, whichever branch opened the account, and gives it for direct deposit, ACH, checks and both domestic and international wires.

Routing / ABA number

256074974

SWIFT / BIC

NFCUUS33XXX

Address for wire instructions

820 Follin Lane SE, Vienna, VA 22180

Member line

1-888-842-6328 · 1-703-255-8837 collect from overseas

1. 1

   Use the direct deposit form

   Navy Federal’s Direct Deposit of Net Pay Enrollment form, NFCU 97DD, arrives with the routing number already printed as 2560-7497-4. Add the account number and hand it to payroll.

2. 2

   Read it off a check

   The nine-digit routing number is printed along the bottom edge of a Navy Federal check, ahead of the account number.

3. 3

   Give the account number, not the Access Number

   The same form is explicit: the field reads "Account No. (10 digits, not Access Number)". Navy Federal issues both, and only the ten-digit account number belongs on a payment instruction.

Navy Federal publishes one list of what to hand a sending institution, covering domestic and international wires alike, and adds that international senders should instruct their bank to route the payment through a correspondent bank.

1. 01Your name as it is titled on the Navy Federal account.
2. 02The account number the funds should be credited to.
3. 03Navy Federal’s routing/ABA number: 256074974.
4. 04Navy Federal’s address: 820 Follin Lane SE, Vienna, VA 22180.
5. 05Navy Federal’s SWIFT/BIC, NFCUUS33XXX, and an instruction to route through a correspondent bank.

Receiving costs nothing at Navy Federal’s end, though the sending institution may charge to initiate. Incoming wires get same-day processing if they arrive before 7:30 pm ET, and can be credited to a savings, checking or Money Market Savings Account — or straight to a loan, credit card, mortgage, Checking Line of Credit or lease — useful if the money is meant to clear a balance rather than be spent.

Currency is where most people get caught. Navy Federal only receives US currency, so money from abroad has to be converted before it reaches the account — by the sender, or by their bank in transit. Outbound you get a choice: the international request form, NFCU 755B, has checkboxes for foreign currency or USD, and its footnote names Wells Fargo as the correspondent bank Navy Federal uses to buy foreign currency.

Two rules are worth reading first. Navy Federal will not send wires to Cuba, Iran, Libya, North Korea, Russia, Sudan, Syria, Yemen or the Crimean, Donetsk and Luhansk regions of Ukraine. Third-party requests over $5,000 must be submitted in writing, by secure message or at a branch. Wires are immediate, final and irrevocable once sent; the one opening is an international wire, cancellable within 30 minutes.

The same nine digits address both rails, but they behave differently at the receiving end. An ACH credit is free to receive, clears in batches, and is available the next business day. A wire is faster and irreversible, and costs the sender $20 domestic or $25 international from Navy Federal. Payroll is a third case: a direct deposit is available the day it arrives, and Free Active Duty Checking members get theirs a business day early.

That bites hardest for members posted overseas. Navy Federal has run the Department of Defense’s overseas Military Banking Facilities since 2 April 2024 — 60 facilities and 272 ATMs across Europe and the Pacific, on top of more than 360 branches worldwide — but that network is for banking on base. Money from abroad still has to become US dollars before it can land.

Which is why the routing number, not the SWIFT code, is usually the one that matters. A provider that converts on its own side pays out domestically, addressing an ACH credit or a domestic wire to 256074974 — no correspondent bank, no foreign-currency question at the credit union’s end. Glide sends US dollars over both of those rails, which leaves the account number as the only thing left to get right.