Navy Federal Credit Union routing number
Navy Federal Credit Union’s routing number is 256074974. It identifies Navy Federal Credit Union in the US payment system and is used for ACH transfers and direct deposit. Confirm yours on a voided check or in your banking app before sharing it.
Last verified May 29, 2026.
Navy Federal Credit Union routing number
ACH / direct deposit routing number
256074974
Works for ACH, direct deposit and wire transfers.
Every routing number listed here is a structurally valid nine-digit ABA number (it passes the ABA mod-10 checksum). Tap any number to see a dedicated page for it, or use the routing number lookup tool to check a number you already have.
How to find and confirm your Navy Federal Credit Union routing number
The routing number above is a reliable starting point, but the authoritative source is always your own account. Here is how to confirm the exact number Navy Federal Credit Union assigned to you:
- On a check: the routing number is the left-most nine-digit group along the bottom edge (the MICR line), printed before your account number.
- In the Navy Federal Credit Union app or website: sign in, open the account, and look for account details or “account & routing number.”
- On a statement: a paper or PDF statement usually shows the routing number alongside your account number.
- For wire transfers: ask Navy Federal Credit Union which number to use — the wire routing number can differ from the ACH one.
See the step-by-step guide: how to find your routing and account number.
What a routing number is used for
A routing number (also called an ABA routing number or routing transit number) is a nine-digit code that identifies your bank or credit union in the United States payment system. Paired with your account number, it tells money where to go. You will need your Navy Federal Credit Union routing number to:
- Set up direct deposit for a paycheck or government benefit.
- Authorize ACH payments, such as automatic bill payments.
- Send or receive a wire transfer (often a separate number).
- Link your account to a payment app, brokerage, or another bank.
New to this? Read what a routing number is.
Confirm before you share
Routing numbers can vary by where you opened your account and by the type of transfer. The numbers on this page are verified reference data, not a substitute for your own records. Always confirm your routing number on a voided check or in your Navy Federal Credit Union banking app before sharing it for direct deposit or a transfer.
Frequently asked questions
What is Navy Federal Credit Union's routing number?
Navy Federal Credit Union's routing number is 256074974. It is used for ACH transfers and direct deposit. Confirm yours on a voided check or in your banking app before sharing it, since the number can occasionally differ by account or region.
Does Navy Federal Credit Union have different routing numbers by state?
Navy Federal Credit Union primarily uses one routing number (256074974) across its footprint, but it can vary by region or legacy bank in some cases. The safest check is your own voided check or banking app.
What is the difference between Navy Federal Credit Union's ACH and wire routing number?
Navy Federal Credit Union uses different numbers for the two networks. Works for ACH, direct deposit and wire transfers. Use the ACH number for direct deposit and everyday transfers, and the wire number only for wire transfers.
How do I find my Navy Federal Credit Union routing number on a check?
Look at the bottom edge of one of your Navy Federal Credit Union checks: the routing number is the left-most nine-digit group in the MICR line, followed by your account number and then the check number. You can also find it in the Navy Federal Credit Union app or website under account details.
Is 256074974 a valid routing number?
Yes — 256074974 is a structurally valid nine-digit ABA routing number (it passes the ABA mod-10 checksum) and is listed for Navy Federal Credit Union in our directory. Even so, confirm it is the right number for your specific account before using it for direct deposit.
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