Navy Federal Credit Union Routing Number 2026: 256074974

Like BECU and USAA, Navy Federal Credit Union keeps it simple: one routing number for every member, every state, every transaction type. Here's everything you need.

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Navy Federal Routing Number Table

Is Navy Federal's Routing Number the Same for All States?

Yes. Navy Federal uses one routing number nationwide: 256074974. Unlike major banks that vary by state, all Navy Federal members — whether stationed in California, Virginia, Germany, or Japan — use the same number.

How to Find Your Navy Federal Routing Number

1. Navy Federal app: Log in → tap your checking account → "Account details" — routing number is listed
2. navyfederal.org: Log in → Account Summary → account details
3. On a paper check: First 9 digits in the lower-left corner
4. Call Navy Federal: 1-888-842-6328 (24/7)

Navy Federal for Direct Deposit (Military Pay & VA Benefits)

Setting up direct deposit of military pay (myPay) or VA benefits to your Navy Federal account:

• Routing number: 256074974
• Your Navy Federal account number (found in the app under Account Details)

For military pay via myPay: log in → Financial Allotments → Direct Deposit → enter 256074974 and your account number. Navy Federal typically posts military pay 1 day early.

Navy Federal International Wire Transfer

Navy Federal is not part of the SWIFT network and does not have a SWIFT code. To receive an international wire transfer to your Navy Federal account, instruct the sender to use a correspondent bank. Contact Navy Federal at 1-888-842-6328 for the current correspondent bank details — these instructions can change and must be confirmed before initiating any international transfer.

Navy Federal's wire transfer address (for domestic wires):
Navy Federal Credit Union
820 Follin Lane SE
Vienna, VA 22180

Navy Federal Membership: Who Can Join?

Navy Federal is the world's largest credit union by assets. Membership is open to:

• Active duty members of the Army, Navy, Air Force, Marine Corps, Coast Guard, Space Force, and National Guard
• Department of Defense (DoD) civilians and contractors
• Veterans, retirees, and annuitants
• Immediate family members of existing Navy Federal members (spouse, children, parents, siblings, grandparents, grandchildren)

Once you join, membership is for life — even after leaving military service.

Navy Federal vs. USAA: Routing Number Comparison

FAQ: Navy Federal Routing Number

What is Navy Federal Credit Union's routing number?

Navy Federal's routing number is 256074974. This single number is used for all states and all domestic transaction types including ACH, direct deposit, checks, and wire transfers.

Is Navy Federal routing number the same for all states?

Yes. Navy Federal uses one routing number nationwide: 256074974. There are no state-specific routing numbers.

What is Navy Federal's ABA number?

Navy Federal's ABA number is 256074974 — the same as the routing number. ABA number and routing number refer to the same 9-digit code.

Does Navy Federal have a SWIFT code?

No. Navy Federal Credit Union is not part of the SWIFT network and does not have a SWIFT/BIC code. For international incoming wires, contact Navy Federal at 1-888-842-6328 for correspondent bank instructions.

Last verified: March 2026. Always confirm with Navy Federal at 1-888-842-6328 for high-value wire transfers. Also see: USAA routing number · BECU routing number · Complete routing number guide.