Navy FCU Bank Account Or Service Complaint

Navy FCU Bank account or service department,

Other bank product/service Deposits and withdrawals Louisiana

Navy Federal allows real-time transfers from - account to the other. Savings to checking and vice versa is essentially real-time. When making transfers from - to a credit card, it is not real-time. WHY?! I made a $500.00 transfer on a Friday from savings to my credit card. The funds were immediately withdrawn from the savings but not posted to the credit card. How can some transfers be real-time and others not in the same system. It seems to me that for credit cards transfers that this " Delayed posting '' is a selected specific system setting. I have memberships at several other credit unions ( - -, - - - -, - - and - and all of those - are significantly smaller in asset size than Navy Fed and they ALL allow real-time posting on ALL products. My complaint is that when Navy does this, funds are removed from my savings account where I begin losing interest immediately yet the post is delayed to the credit card where I am still being charged interest on my balance! If the funds are removed from my savings and not posted to another product, where are they? They seems to be in a " virtual '' status where Navy is not paying interest on those funds and still charging interest on the other account balance. If much smaller institutions have real-time transfers then the largest credit union in the world should as well especially if they have this on other products. If they are doing this to me then what are they essentially earning on those virtual funds when this happens to possibly - of members monthly! When this delay occurs on a long holiday weekend, which becomes a delay from Friday night until the funds are finally posted to the credit card during their " end-of-day '' processing on Tuesday! In short, that is a ton of interest that members are losing and Navy is earning. It almost amounts to double-dipping ; not paying interest on funds they are holding and still charging interest on the credit card balances.