Frequently Asked Questions About Navy Federal Routing Numbers
Why does Navy Federal have only one routing number?
Navy Federal operates as a single, unified credit union rather than a collection of acquired regional banks. Founded in 1933 to serve Navy Department civilian employees, it expanded over decades to serve all Department of Defense members, veterans, and their families. This centralized structure means all members use the same routing number (256074974) regardless of location, making banking simpler for military families who relocate frequently.
Can I use the Navy Federal routing number from any state?
Yes, absolutely. Navy Federal's routing number (256074974) works for all members nationwide and overseas. Whether you opened your account in California, Texas, Virginia, or at an overseas military base, you use the same routing number for all transactions. This is especially convenient for active duty military members who move between duty stations.
What's the difference between ACH and wire routing numbers at Navy Federal?
There is no difference. Navy Federal uses the same routing number (256074974) for both ACH transfers and domestic wire transfers. This simplifies the process compared to many traditional banks that maintain separate routing numbers for different transaction types. For international wires, you'll need Navy Federal's SWIFT code (NFCUUS33) in addition to the routing number.
Do I need a different routing number for international transfers?
For international incoming wires, provide the sender with Navy Federal's routing number (256074974) and SWIFT code (NFCUUS33). For outgoing international wires from your Navy Federal account, the credit union partners with correspondent banks to process the transfer, which costs $25 per transaction and takes 5 to 7 business days. Note that Navy Federal only receives funds in U.S. dollars.
Will my routing number change if I move to a different state?
No, your Navy Federal routing number will always remain 256074974 regardless of where you move within the United States or overseas. This is a major advantage for military families who relocate frequently. Once you set up direct deposit, automatic bill payments, or other recurring transfers, you never need to update your routing number when you change duty stations or relocate.
