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Domain Due Diligence
Report for Navyfederal.org

Report Date October 6, 2025
Recommendation
Caution
Overall Summary
Suspicious
Why we think so

NavyFederal.org is the official website of Navy Federal Credit Union and shows strong trust signals: long registration (since 1997), large audience (~19–20M monthly visits), valid DigiCert TLS, and official branch listings and contact channels. At the same time, there are documented issues that matter to consumers — recurring phishing campaigns targeting members, multiple regulatory actions and large customer-dispute volumes, and recent legal settlements related to fraud handling and fees. Verdict: legitimate site, but treat account messages and payment requests carefully and verify channels before sending money. ⚠️

Confidence Score
87%

Risk Insights

🛡️

Legitimate site, targeted by scammers

Established domain with heavy traffic and valid TLS — infrastructure looks legitimate.
Phishing and account-takeover reports are frequent, so members are realistic targets.
Verify messages and use published phone numbers before acting on requests.

Contradictory Signals

The domain and infrastructure look authentic, yet external attackers and service-level issues mean users can still lose money through scams or poor dispute resolution.

Signal A: High technical trust & large legitimate traffic

Signal B: Significant consumer complaints, regulatory actions, and active phishing targeting members

Category Scores

Identity 85/100
Reputation 70/100
Technical 95/100
Content 90/100
Legal 60/100
Business Validity 88/100

Red Flags & Warnings

  • Documented phishing campaigns and reports of customers losing money via account takeover and fake pages, indicating active threats targeting members.
  • Regulatory and legal history includes CFPB orders, settlements, and recent lawsuits over fee and fraud-handling practices — evidence of systemic customer-service risk.
  • Multiple consumer complaints and litigation about denied fraud claims and dispute handling — customers report difficulty obtaining timely reimbursement.

🔎 Detailed Checks & Analysis

Domain age & registrar

Score: 90/100
Passed

"Older registration (1997) reduces the chance the domain is a short-lived scam; WHOIS shows identity-protection contact but registrar and long history are consistent with a major organization."

Reason: Domain registered in 1997 and uses a reputable registrar (Amazon Registrar) — strong signal of long-term ownership.

Traffic & popularity

Score: 92/100
Passed

"High direct and branded search traffic indicate real user base and brand recognition, supporting legitimacy for day-to-day operations."

Reason: Very high global traffic and search visibility (~19–20M monthly visits; top keywords show branded intent).

Technical security setup

Score: 95/100
Passed

"Multiple TXT verification records and CAA delegations to Digicert/Let’s Encrypt/Sectigo show active certificate management and email protections."

Reason: Valid DigiCert TLS, Akamai CDN/DNS, SPF and CAA records present — strong technical posture.

Blacklist / phishing status

Score: 75/100
Passed

"Domain itself isn't flagged, but attackers frequently create lookalike pages and credential-phishing flows that impersonate the site — user-side threats persist."

Reason: No matches in Google Safe Browsing and not flagged by crypto scam sniffer, but active phishing campaigns target users externally.

Contact information & local presence

Score: 90/100
Passed

"Multiple branches with Google Places entries and official social links reduce the likelihood of domain impersonation as the primary site."

Reason: Published phone numbers, branch listings, and official social accounts are present and verifiable via Google Places.

Reputation & complaints

Score: 55/100
Failed

"CFPB orders, legal settlements, and many customer complaints about denied fraud claims point to real-world risks for members interacting with this institution."

Reason: Significant consumer complaints, lawsuits, and regulatory actions related to fee practices and fraud handling lower reputation score.

Trademark / brand impersonation risk

Score: 80/100
Passed

"Absence of matching USPTO records for the query is not definitive; brand impersonation risk remains because Navy Federal is a widely recognized institution."

Reason: No quick USPTO trademark hits for the exact query 'navyfederal.org', but brand is well-known and frequently impersonated by scammers.

Your Next Steps

  • 1
    Treat the site as legitimate but proceed with caution: never follow links in unsolicited emails or texts — type navyfederal.org directly into your browser or use the official app.
  • 2
    Verify any unexpected requests for money or account changes by calling published Navy Federal phone numbers (from the site or Google Places) rather than numbers in messages.
  • 3
    If you suspect phishing or unauthorized transactions, report immediately to the site’s published abuse address (reportabuse@navyfederal.org / phishalert@navyfederal.org) and document the incident.
  • 4
    Enable strong authentication (unique password, MFA) on your account and review recent activity and linked devices; change credentials if you see suspicious access.
  • 5
    Before sending funds to a new payee, confirm details with the recipient through an independent channel (phone call, in-person, or verified portal).

Evidence & Citations

🕵🏻 Keep investigating

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