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Navy Federal routing numbers

Navy Federal's routing number is 256 074 974 for direct deposit and ACH transfers.

Bank-verifiedNavy Federal routing number search answerchecked June 28, 2026
⑆ Routing numbersNavy Federal
Direct deposit & ACHBank-verified

Direct deposit, payroll, and ACH transfers

256 074 974

Confirmed against an official bank source. Always confirm with the bank before you send money.

Type
credit union
Headquarters
Vienna, VA
NCUA charter
5536
NCUA reported assets
$203.6B
All numbers

Every Navy Federal routing number

Lookup tool
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Find it yourself

Find your Navy Federal number in your account

Find your Navy Federal routing number

Where to look: a check, online banking, the mobile app.

  1. Look at the bottom-left of a Navy Federal check — the first 9 digits are your routing number.
  2. Or sign in to online or mobile banking and open your account or routing details.
  3. Or call 1-888-842-6328 and ask for the ABA routing number for your account.
  4. Confirm the number with the bank before using it for direct deposit or a transfer.
Proof

Screenshots from the bank's own pages

Captured from Navy Federal's published pages as verification proof. fin.codes is independent and not affiliated with Navy Federal.

Screenshot from Navy Federal routing number search answer showing routing 256 074 974Official screenshot256 074 974 · captured June 28, 2026
Before you send

Check these before you send money

  • Confirm the bank name on the transfer matches Navy Federal Credit Union.
  • Match the number to the transfer type — ACH and direct deposit use one number, domestic wires another.
  • For wires, double-check the recipient's name and address too.
  • If instructions arrived by email, confirm them on Navy Federal's official site or phone line before sending.
  • No one should ever need your password or full card number to confirm a routing number — that's a scam.
FAQ

Navy Federal routing number FAQ

What is Navy Federal's routing number?

Navy Federal's routing number is 256 074 974 for direct deposit and ACH transfers. The 9-digit routing number identifies the bank on a transfer; your account number identifies you.

How do I find my Navy Federal routing number?

Your routing number is the first 9 digits in the bottom-left of a Navy Federal check, or in your online and mobile banking under account or routing details. You can also confirm it by calling 1-888-842-6328. If anyone asks for your online-banking password or full card number to "verify" a routing number, it's a scam — a routing number alone is public.

Where is Navy Federal headquartered?

Navy Federal Credit Union is a credit union headquartered in Vienna, VA.

How does fin.codes check Navy Federal's routing numbers?

Every number passes the standard ABA checksum. 1 number is confirmed against an official Navy Federal source. 1 is cross-checked against multiple public routing directories. fin.codes is an independent reference, not a bank — always confirm transfer details with Navy Federal before sending money.

Is fin.codes affiliated with Navy Federal?

No. fin.codes is an independent reference and is not affiliated with, authorized by, or endorsed by Navy Federal Credit Union.

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Independent reference. Not affiliated with, endorsed by, or authorized by any financial institution. Confirm routing or SWIFT details directly with your bank before sending money.