Navy federal credit card payment posting time

Typically, you'll be able to use the funds one to two (1-2) business days after you make your payment. For example, if a payment is made before the cutoff time on Thursday, the funds will be available on Friday.

It can take one to three business days for an online or phone payment to post to your credit card account and reflect in your available credit.

(2:00 pm local time at a branch or the ATM's posted cutoff time), we will consider the deposit to have been received on the next Business Day. Funds from a received electronic direct deposit to your account will be available on the day we receive the deposit.