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Navy Federal Credit Union wire transfer fees

Navy Federal Credit Union charges $20 to send a domestic wire, $25 to send an international wire in US dollars and $0 to receive a domestic one, according to its published fee schedule dated May 2025.

Domestic, outgoing
$20
Domestic, incoming
$0
International out, sent in USD
$25
International out, foreign currency
$25
International, incoming
$0
Same-day cutoff
Not published

The exchange rate is a second charge

Navy Federal says the correspondent bank's rate factors in the cost of exchanging the money on top of the exchange rate itself, and the rate is quoted before you send.

That markup does not appear on the fee schedule. Ask the bank for the rate before you confirm, then compare it with the reference rate in the calculator below to see what it costs in dollars.

Cutoff times

Navy Federal publishes only an incoming cutoff: wires received before 6:30 p.m. ET are processed the same day.

Worth knowing

  • Wires are requested by secure message, at a branch, by phone or by mail.
  • Navy Federal charges one $25 fee for an international wire whether you send US dollars or foreign currency, and it receives US dollars only.
  • There is no wire fee for disbursing mortgage or home equity loan proceeds.

Of the 17 banks in our table, 1 charges less for a standard outgoing domestic wire. See the full table.

Where these numbers come from

Checked 2026-10-24. Banks change fees; the bank's current schedule and the disclosure it gives you before you send are what bind it. Spot an outdated figure? Tell us.

Sending abroad from Navy Federal Credit Union? Price the whole transfer

Reference rate: ECB, 2026-10-23

Filled from the ECB reference rate. Overwrite it with a live rate if you have one.
Quote 1
Uses the bank's fee for a wire it converts to foreign currency, since you are pricing its exchange rate.
Or leave blank and enter what the recipient gets:
Quote 2
Or leave blank and enter what the recipient gets:
Quote 3
Or leave blank and enter what the recipient gets:

How it works: the cost of a quote is everything you pay minus what the money the recipient gets is worth at the mid-market rate. That catches a fee and an exchange-rate markup in one number. Assumes the fee is paid on top of the amount sent; if a provider takes its fee out of the amount, enter what the recipient gets instead of the rate. The mid-market rate is the ECB euro reference rate crossed to dollars. ECB reference rates are published for information purposes only.