Navy Federal Credit Union 401(k) and pension plans

Navy Federal Credit Union, Merrifield, VA. EIN 53-0116705. Annual reports 2009–2025. Also filed as Bank of America, N.A.

Navy Federal Credit Union has 3 active retirement plans on file. The largest is the Navy Federal 401(k) Savings Plan, with 29,016 participants and $4.0 billion in assets in 2025. Fidelity has been its recordkeeper since 2009.

Active plans: 3
Participants: 54,960
Plan assets: $6.3 billion
401(k) recordkeeper: Fidelity
Plans on file: 3
Industry: Finance and insurance

All 3 plans

Active plans first

Navy Federal 401(k) Savings Plan

401(k)Active

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 002Employer EIN 53-0116705
Participants (2025): 29,016
Net assets (2025): $4.0 billion
Recordkeeper: Fidelity2009–2025
Plan administrator: Navy Federal Credit Union
Po Box 3000
Merrifield, VA 22119
(703) 206-4772As filed for 2025
In effect since: January 1, 1997

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	29,016	$4.0 billion	Fidelity
2024	28,469	$3.2 billion	Fidelity
2023	27,904	$2.6 billion	Fidelity
2022	26,562	$2.0 billion	Fidelity
2021	23,867	$2.3 billion	Fidelity
2020	21,443	$1.8 billion	Fidelity
2019	21,061	$1.5 billion	Fidelity
2018	19,474	$1.1 billion	Fidelity
2017	17,798	$1.0 billion	Fidelity
2016	15,739	$800 million	Fidelity
2015	14,746	$669 million	Fidelity
2014	13,749	$593 million	Fidelity
2013	11,706	$511 million	Fidelity
2012	10,425	$387 million	Fidelity
2011	9,129	$315 million	Fidelity
2010	8,338	$291 million	Fidelity
2009	7,596	$233 million	Fidelity

Navy Federal Credit Union Employees' Retirement Plan

Cash balance pensionActive

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 001Employer EIN 53-0116705
Participants (2025): 25,626
Net assets (2025): $2.3 billion
Administered by: PrincipalEarlier: Wells Fargo (2010–2019), Wachovia Bank (2009)
Plan administrator: Navy Federal Credit Union
Po Box 3000
Merrifield, VA 22119
(888) 503-6013As filed for 2025
In effect since: February 1, 1958

Earlier plan names: Navy Federal Credit Union Employee'S Retirement Plan.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	25,626	$2.3 billion	Principal
2024	24,268	$2.1 billion	Principal
2023	22,155	$2.0 billion	Principal
2022	19,762	$1.7 billion	Principal
2021	19,493	$2.1 billion	Principal
2020	17,932	$1.9 billion	Principal
2019	16,385	$1.7 billion	Wells Fargo
2018	14,881	$1.4 billion	Wells Fargo
2017	13,775	$1.5 billion	Wells Fargo
2016	12,773	$1.3 billion	Wells Fargo
2015	11,424	$1.2 billion	Wells Fargo
2014	10,319	$1.2 billion	Wells Fargo
2013	9,107	$1.1 billion	Wells Fargo
2012	8,337	$973 million	Wells Fargo
2011	7,635	$834 million	Wells Fargo
2010	7,876	$737 million	Wells Fargo
2009	8,642	$630 million	Wachovia Bank

Navy Federal Credit Union Retirement Plan for German Usd Paid Employees of Military Banking

Pension (defined benefit)Active

Active. The plan filed its annual report for the 2025 plan year.

Plan number: 003Employer EIN 53-0116705
Participants (2025): 318
Net assets (2025): $15.4 million
Administered by: PrincipalEarlier: Merrill (2013–2015), Retirement Services (2010–2012)
Plan administrator: Navy Federal Credit Union
Po Box 3000
Merrifield, VA 22119
(888) 503-6013As filed for 2025
In effect since: April 29, 1988

Earlier sponsor: Bank of America, N.A. (2009–2023).

Earlier plan names: Bank of America Retirement Plan for Dollar Paid Employees of Military Banking Division.

Year by year, 2009 to 2025

Plan year	Participants	Net assets	Recordkeeper
2025	318	$15.4 million	Principal
2024	318	$14.0 million	Principal
2023	323	$13.2 million	not listed
2022	300	$11.8 million	not listed
2021	300	$14.4 million	not listed
2020	303	$13.0 million	not listed
2019	295	$12.0 million	not listed
2018	303	$10.6 million	not listed
2016	289	$10.3 million	not listed
2015	296	$10.2 million	Merrill
2014	330	$10.5 million	Merrill
2013	362	$10.3 million	Merrill
2012	360	$9.1 million	Retirement Services
2011	386	$8.1 million	Retirement Services
2010	373	$8.1 million	Retirement Services
2009	375	$7.3 million	not listed

If you had money in one of these plans

Call Fidelity (fidelity.com), which runs the Navy Federal 401(k) Savings Plan. With your Social Security number and the plan name, it can tell you whether you still have a balance and, if not, where it went.
Or call the plan administrator listed on the plan below ((703) 206-4772). That number was filed for 2025; ask for the benefits or retirement plan office.
Still stuck? The Department of Labor's benefits advisers help for free: askebsa.dol.gov or 1-866-444-3272. Never pay anyone to find your own money.

What these numbers are

They come from the Form 5500 annual reports each plan files with the Department of Labor, as the plan filed them. A plan year is usually a calendar year.
Participants counts everyone in the plan at year end: current employees, former employees who still have a balance or a pension coming, and retirees or beneficiaries being paid.
The recordkeeper is the service provider whose Schedule C entry says it keeps the plan's records. Small plans do not file Schedule C, so some plans show none.
We cannot see anyone's account. Only the plan or its recordkeeper can tell you your balance.

Sources: U.S. Department of Labor, Form 5500 datasets and PBGC trusteed plans. How we read them.

All 3 plans

Navy Federal 401(k) Savings Plan

Navy Federal Credit Union Employees' Retirement Plan

Navy Federal Credit Union Retirement Plan for German Usd Paid Employees of Military Banking

If you had money in one of these plans

What these numbers are

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