cant add my navy federal card to my wallet

• If you get an error that you already have the maximum amount of cards in wallet with less than 22 cards signing out of your Apple ID and back in usually resolves this issue.
• If you are getting a message to contact the card issuer, call the bank or credit card company who issued you the card to make sure there are no restrictions on the card. 
• If you are getting a message that Apple Pay services are unavailable at this time, sign out of your Apple ID and back in.
• How to use Wallet on your iPhone, iPod touch, and Apple Watch - Apple Support,
• Manage the cards that you use with Apple Pay - Apple Support
• If you have trouble adding a card to wallet;

1. Sometimes if you sign out of your Apple ID and back in it resolves the problem.
2. Check your Apple ID region to make sure it is correct. If it is correct, you may need to select the same region again. (Change your Apple ID country or region - Apple Support)
3. Check the region on your device to ensure it is correct (Settings>general>language & region - set to your region)
4. A passcode is required to use the Wallet app. 
5. You need to be in a region that supports Apple Pay - Countries and regions that support Apple Pay - Apple Support
6. Your bank needs to support Apple Pay - Apple Pay participating banks - Apple Support
7. If none of these suggestions are able to resolve your issue you can go here for further assistance - If you can't add cards to Wallet for Apple Pay - Apple Support

Had this same problem about a year ago.

Turned out to be a problem on the NFCU "end"

The usual "help" system FAILED.

I resorted to too many hours spent visiting the Branch Manger in Nofolk every two or three days ... literally "wearing 'em down" ... until she finally found the "right" NFCU-IT guy in Pensacola who solved it.

Good luck.

Word of advice: Your first question to any rep should be "Do you use Apple Pay" ... don't waste your time explaining the problem to any rep who doesn't use it themselves.