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I'm not completely sure about Navy Federal but my USAA to DCU is at least 24-48 hours unless payng for teh $20 domestic wire
When I initiate a transfer from the USAA end, the money is available immediately even though it doesn't actually complete on the other end for a day or two..
If I initiate it from the NFCU end it usually takes a day or two.
Hope this helps.