United States · Financial institution
Navy Federal Credit Union
Navy Federal Credit Union is a federally chartered credit union headquartered in Vienna, Virginia. It is member-owned and not-for-profit. Membership is open to Department of Defense and Coast Guard personnel, veterans and their families. It offers deposit accounts, credit cards, auto, personal, student and mortgage loans, and business accounts and loans. Its subsidiaries offer investment and insurance services. Since April 2024 it has operated the Department of Defense Overseas Military Banking Program under the name "Community Bank, Operated by Navy Federal Credit Union".
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- NFCUUS33XXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under NFCUUS33 directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- Other BIC with this LEI
- OMBDUS33
- BIC first registered
- 2018-04-07
- Last updated
- 2024-07-13
Overview
Researched 29 Sep 2026 · Sources
Ownership
Member-owned
Institution type
Credit union / building society
Trades as Navy Federal
- Ownership
- The credit union is owned by its members and has no shareholders. It wholly owns Navy Federal Financial Group, which in turn owns Navy Federal Investment Services.
- Head office
- 820 Follin Lane SE, 22180 Vienna, United States
- Company register
- NCUA charter no. 5536 (National Credit Union Administration); NMLS ID 399807
Business lines
The credit union serves the military community through consumer lending, credit cards, mortgages, deposits and business banking, and its subsidiaries offer brokerage and insurance.
Online
- Websites & references
- navyfederal.org ↗
Wikipedia ↗
Wikidata Q6982632 ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 17 pages consulted
- navyfederal.org/
- navyfederal.org/about/operations.html
- navyfederal.org/content/dam/nfculibs/pdfs/financial-reports/2025-annual-report.pdf
- navyfederal.org/about/corporate-fact-sheet.html
- navyfederal.org/services/transfers/wire-transfers.html
- navyfederal.org/about/press-releases.html
- navyfederal.org/about/press-releases/2026-press-releases/Annual-Report-2026.html
- navyfederal.org/about/press-releases/2024/dietrich-kuhlmann-new-navy-federal-ceo-effective-march-2024.htm
- navyfederal.org/about/press-releases/2024/navy-federal-announces-next-chief-operating-officer.html
- navyfederal.org/about/press-releases/2023/navy-federal-awarded-contract-to-operate-dod-overseas-military-
- ncua.gov/files/foia/navy-federal-credit-union-charter.pdf
- consumerfinance.gov/enforcement/actions/navy-federal-credit-union-overdraft-2024/
- consumerfinance.gov/archive/newsroom/cfpb-orders-navy-federal-credit-union-to-pay-more-than-95-million-for-il
- nfculoansettlement.com/
- settlementinsight.com/news/navy-federal-unauthorized-loan-settlement-8-million-1607-members-loans-canceled-paym
- bankingdive.com/news/navy-federal-community-bank-icba-fdic-ncua-cease-desist-dod-credit-union/712297/
- en.wikipedia.org/wiki/Navy_Federal_Credit_Union
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Dietrich H. Kuhlmann President/CEO (also Treasurer of the Board of Directors)
- Chair
- Edward R. Cochrane Jr. Chair, Board of Directors
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- United States
- National Credit Union Administration Prudential supervisorAML supervisorResolution
- United States
- Consumer Financial Protection Bureau Conduct
Recent events 2 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Other
The US District Court for the Eastern District of Virginia preliminarily approved a class settlement over disputed personal loans opened in members' names.
nfculoansettlement.com ↗ -
Enforcement
The CFPB terminated its November 2024 consent order against the credit union and waived any alleged non-compliance with it.
consumerfinance.gov ↗ -
Enforcement
The CFPB ordered the credit union to refund more than USD 80 million in overdraft fees and pay a USD 15 million civil penalty.
consumerfinance.gov ↗ -
Leadership
Dietrich Kuhlmann succeeded Mary McDuffie as chief executive officer, and Kara Cardona replaced him as chief operating officer.
navyfederal.org ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- NFCUUS33XXX
- How the BIC breaks down
- NFCUBank
- USCountry · United States
- 33Location
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 5493003GQDUH26DNNH17
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- ABA routing number 256074974
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- United States · North America
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 1933
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 820 FOLLIN LANE SE VIENNA,VA 22180 UNITED STATES OF AMERICA
- Operational address
- 820 FOLLIN LANE SE VIENNA,VA VIENNA,VA 22180 UNITED STATES OF AMERICA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI and its USABA clearing code
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>NFCUUS33XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>256074974</MmbId>
</ClrSysMmbId>
<LEI>5493003GQDUH26DNNH17</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>NFCUUS33XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>USABA</Cd>
</ClrSysId>
<MmbId>256074974</MmbId>
</ClrSysMmbId>
<LEI>5493003GQDUH26DNNH17</LEI>
<Nm>NAVY FEDERAL CREDIT UNION</Nm>
<PstlAdr>
<TwnNm>VIENNA</TwnNm>
<Ctry>US</Ctry>
<AdrLine>820 FOLLIN LANE SE VIENNA, VA 22180</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
National bank codes
ABA routing number · United States
1 code file of 2026-10-09 · ISO 20022 clearing system code USABA
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 256074974 | NFCUUS33XXX | NAVY FEDERAL CREDIT UNION | VIENNA, VA |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- National bank codes—United States (Source: Federal Financial Institutions Examination Council (FFIEC), National Information Center).
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Mawillcockson · Public domain · Wikimedia Commons · original.
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