Deposits · August 2026
Navy Federal publishes an llms.txt but its application page stays scripted
An AI agent ran five ordinary deposits tasks on the public pages of Navy Federal Credit Union and scored what each page delivered.
Run 6 August 2026 · five tasks · public pages, logged out · Credit union
77/100
Mystery Agent score
Deposits · rank 5 of 25
Savings rate
92Served as text
Checking comparison
90Served as text
Fee schedule
87Served as PDF
Routing number
95Served as text
Application page
20Arrives after scripts
Summary
- Navy Federal publishes a working llms.txt that links agents straight to its personal and business banking content.
- The routing number, 256074974, sits in the site-wide footer, so it appears identically on every page an agent visits.
- An agent read a dated rate table listing the Share Savings Account at 0.25% APY, current as of Aug 06, 2026.
- Publishing a short static requirements summary on the account-opening page would let an agent read the SSN and funding rules.
Navy Federal Credit Union also appears in the Credit Cards study, where it scores 75 and ranks 6 of 25.
See that scorecard.
Task by task
Each task is scored out of 100 on completion, answer quality and how directly the answer was reached. Each note describes what the page delivered, with a link to the page the answer was found on.
Task 01Savings rateServed as text92 out of 100
The savings page states members can earn 0.25% APY, and the dedicated rates page confirms it in a full table: a $5 minimum, 0.25% dividend rate credited monthly, dated Aug 06, 2026.
Task 02Checking comparisonServed as text90 out of 100
Free EveryDay Checking carries no minimum balance and no service fees at 0.010% APY, while Flagship Checking charges $10 unless the daily balance holds at $1,500, paying tiered dividends up to 1.95% APY.
Task 03Fee scheduleServed as PDF87 out of 100
The Schedule of Fees and Charges PDF, linked from the Forms and Brochures page, itemizes checking, ATM, wire transfer, NSF, overdraft, and stop payment fees with dollar amounts, extracted cleanly as text.
Task 04Routing numberServed as text95 out of 100
The routing number, 256074974, appears as plain text in the global navigation footer, confirmed identical across eight separate pages including the homepage, savings, and checking product pages.
Task 05Application pageArrives after scripts20 out of 100
The account-opening page itself loads as a script-driven shell with 16 visible characters, while the checking product page one step earlier states plainly that opening requires identification and a $5 deposit.
Membership eligibility is stated in plain language on more than one page across Navy Federal's site.
The application page
What the account opening page states to a reader that runs no scripts.
23,088Bytes delivered
16Characters of visible text
0Form fields in the first response
After scripts runWhat an applicant needs
Strengths and opportunities
What is working
- The current-rates page publishes a complete, dated rate table in plain delivered HTML text for savings, money market, certificates, and every checking tier, with no script rendering needed to read a single number.
- The full personal Schedule of Fees and Charges is one hop from the Forms and Brochures page and extracts cleanly as text from its PDF, itemizing dozens of specific dollar fees.
- The routing number is placed in the site-wide footer, so it is delivered identically on every page an agent is likely to visit, not buried on one page.
- Membership eligibility is stated in plain language on more than one page, which is a genuine credit union strength this job set is built to recognize.
Opportunities
- The account-opening application page is the one page in this run that is not server-rendered. Publishing even a short static requirements summary before the JavaScript app loads would let an agent read the SSN, ID, and funding requirements without executing scripts.
- The llms/ mirror currently serves the same full marketing HTML as the main site rather than a condensed, agent-oriented summary. A trimmed llms/ page for savings and checking rates would cut hops for a rate-focused agent from two down to one.
- Checking-product fee waiver terms live inside numbered footnotes that are easy to skim past. Placing the waiver condition directly in the product summary line, next to the fee, would remove any need to scroll to the disclosures block.
Access
Every page the agent requested was delivered on the first attempt. An llms.txt file is published, which gives agent traffic a documented entry point.
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