What are the current interest rates at Navy Federal Credit Union?

Current rates for Navy Federal Credit Union include: 12-Month CD: 4.05%, 18-Month CD: 4.10%, 24-Month CD: 3.66%, Savings: 0.25%

MonitorBankRates

☰

Home›
Credit Unions›
Navy Federal Credit Union

iAdvertiser Disclosure

Navy Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Navy Federal Credit Union?

Yes, to access services at Navy Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Navy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 1, 2026

Navy Federal Credit Union's top rates as of October 1, 2026 are 4.35% APY on its 12 Month Special EasyStart CD, 0.25% APY on savings, 6.00% on its 3/5 Conforming ARM mortgage, personal loans from 8.74% APR, and credit cards from 10.24% APR, according to rates verified by MonitorBankRates. Other Navy Federal Credit Union CD rates include 18 Month ESA Short-Term CD at 4.15%, 12 Month ESA Short-Term CD at 4.10%, and 18 Month ESA Short-Term CD at 4.10%. Other Navy Federal Credit Union mortgage rates include Conventional fixed mortgage - 15 Year at 6.38%, 5/5 Conforming ARM at 6.25%, and 5/5 Jumbo ARM at 6.25%. MonitorBankRates evaluates the financial stability of Navy Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.14%. Rates last updated and verified on 10/01/2026.

Navy Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Navy Federal Credit Union? Share your experience about Navy Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Navy Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.14%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Navy Federal Credit Union
Cutler Dawson Headquarter Campus

820 Follin Ln SE
Vienna, VA 22180

https://www.navyfcu.org

Customer Reviews

Be the first to review

Write a Review

Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Navy Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Special EasyStart Certificate	4.26%	4.35%	12 months
Min Deposit $50 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
18 Month ESA Short-Term Certificate	-	4.15%	18 Months
Min Balance $100,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
12 Month ESA Short-Term Certificate	-	4.10%	12 Months
Min Balance $100,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
18 Month ESA Short-Term Certificate	-	4.10%	18 Months
Min Balance $1,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
18 Month ESA Short-Term Certificate	-	4.10%	18 Months
Min Balance $20,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
12 Month ESA Short-Term Certificate	-	4.05%	12 Months
Min Balance $1,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
12 Month ESA Short-Term Certificate	-	4.05%	12 Months
Min Balance $20,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
24 Month ESA Short-Term Certificate	-	3.70%	24 Months
Min Balance $100,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
24 Month ESA Short-Term Certificate	-	3.66%	24 Months
Min Balance $1,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
24 Month ESA Short-Term Certificate	-	3.66%	24 Months
Min Balance $20,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 3.66% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3 Month ESA Short-Term Certificate	-	1.55%	3 Months
Min Balance $100,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3 Month ESA Short-Term Certificate	-	1.50%	3 Months
Min Balance $1,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3 Month ESA Short-Term Certificate	-	1.50%	3 Months
Min Balance $20,000 Details Short-Term Certificate Rates(Share, IRA, ESA) Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Navy Federal Credit Union Savings Rates

Product	Rate	APY
Jumbo Money Market Savings Account (MMSA)	2.13%	2.15%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Jumbo Money Market Savings Account (MMSA)	1.93%	1.95%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Jumbo Money Market Savings Account (MMSA)	1.74%	1.75%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Jumbo Money Market Savings Account (MMSA)	1.69%	1.70%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Money Market Savings Account (MMSA)	1.54%	1.55%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Money Market Savings Account (MMSA)	1.14%	1.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Money Market Savings Account (MMSA)	1.09%	1.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Money Market Savings Account (MMSA)	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Jumbo Money Market Savings Account (MMSA)	0.25%	0.25%
Min Balance $0 Details Balance: $0 - $99,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Share Savings Account	0.25%	0.25%
Min Deposit $5 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Navy Federal Credit Union Money Market Rates

Product	Rate	APY
Jumbo Money Market Savings Account (MMSA)	2.13%	2.15%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Jumbo Money Market Savings Account (MMSA)	1.93%	1.95%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.95% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Jumbo Money Market Savings Account (MMSA)	1.74%	1.75%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Jumbo Money Market Savings Account (MMSA)	1.69%	1.70%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Money Market Savings Account (MMSA)	1.54%	1.55%
Min Balance $50,000 Details Balance: $50,000 and over Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Money Market Savings Account (MMSA)	1.14%	1.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Money Market Savings Account (MMSA)	1.09%	1.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Money Market Savings Account (MMSA)	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Jumbo Money Market Savings Account (MMSA)	0.25%	0.25%
Min Balance $0 Details Balance: $0 - $99,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Navy Federal Credit Union Checking Rates

Product	Rate	APY
Flagship Checking	0.45%	0.45%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Flagship Checking	0.40%	0.40%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Flagship Checking	0.35%	0.35%
Min Balance $1,500 Details Balance: $1,500 - $9,999 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Free Active Duty Checking	0.05%	0.05%
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Free Campus Checking	0.05%	0.05%
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Free Easy Checking	0.05%	0.05%
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Free Everyday Checking	0.01%	0.01%
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Navy Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional fixed mortgage - 15 Year	6.375%	0.500	6.614%	15 Year
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 6.61% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
5/5 Conforming ARM	6.25%	0.250	6.75%
Details As Low As; Payment Example Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
5/5 Jumbo ARM	6.25%	0.250	6.75%
Details As Low As; Payment Example Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3/5 Conforming ARM	6.00%	0.250	6.774%
Details As Low As; Payment Example Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 6.77% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3/5 Jumbo ARM	6.00%	0.250	6.774%
Details As Low As; Payment Example Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 6.77% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Conventional fixed mortgage - 15 Year Jumbo	6.875%	0.500	7.118%	15 Year
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.12% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Conventional fixed mortgage - 30 Year	7.00%	0.875	7.189%	30 Year
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Conventional fixed mortgage - 30 Year Jumbo	7.25%	0.875	7.441%	30 Year
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Homebuyers Choice Loan 30 Year Jumbo	8.25%	0.500	8.607%	30 Year
Details As Low As; Advertised rate assumes the purchase of a single-family primary residence, 720 FICO, down payment of 0%. Last Updated 10/01/2026 Rate History No change since Oct 1, 2026 · 8.61% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Navy Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line	-	-	7.25%
Details As Low As; Max Loan Amount: $500,000 Last Updated 10/01/2026 Rate History 1 change since Sep 30, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Oct 1, 20267.25%▲ from 7.00% Sep 30, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Fixed-Rate Home Equity Loan	-	-	7.34%	5-year
Details As low as; Rates are subject to change. Rates are variable and are based on creditworthiness and other factors that are not included in your example. All loans subject to program requirements and approval. To be eligible for Military Choice loan, at least one borrower must be Active Duty, Reservist, or a Veteran. All Choice and VA loans include a funding fee in the loan amount. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Home Equity Fixed Equity 5 Years	-	-	7.34%	5 Years
Details Max Loan Amount: $500,000 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Home Equity Fixed Equity 10 Years	-	-	7.65%	10 Years
Details Max Loan Amount: $500,000 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Home Equity Fixed Equity 15 Years	-	-	7.95%	15 Years
Details Max Loan Amount: $500,000 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Home Equity Line - Interest Only	-	-	8.25%
Details As Low As; Max Loan Amount: $250,000 Last Updated 10/01/2026 Rate History 1 change since Sep 30, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00% Oct 1, 20268.25%▲ from 8.00% Sep 30, 20268.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Home Equity Line of Credit	-	-	8.25%
Details Interest-only; Rates are subject to change. Rates are variable and are based on creditworthiness and other factors that are not included in your example. All loans subject to program requirements and approval. To be eligible for Military Choice loan, at least one borrower must be Active Duty, Reservist, or a Veteran. All Choice and VA loans include a funding fee in the loan amount. Last Updated 10/01/2026 Rate History No change since Oct 1, 2026 · 8.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Home Equity Fixed Equity 20 Years	-	-	8.35%	20 Years
Details Max Loan Amount: $500,000 Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 8.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Home Equity Line - Investment	-	-	9.25%
Details As Low As; Max Loan Amount: $100,000 Last Updated 10/01/2026 Rate History 1 change since Sep 30, 2026 · 9.00% → 9.25% ▲ 0.25 pts · high 9.25% / low 9.00% Oct 1, 20269.25%▲ from 9.00% Sep 30, 20269.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Navy Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Late Model Used Vehicles Loan	-	-	3.89%	36 months
Details As Low As; Vehicles with 7,500 or more miles are not eligible for loan terms greater than 84 months and may incur rates that differ from vehicles with fewer than 7,500 miles. Last Updated 10/01/2026 Rate History No change since Oct 1, 2026 · 3.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Auto Loan	-	-	3.89%	12-36 Months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 3.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Vehicle Loan	-	-	3.89%	up to 36 months
Details As Low As; Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 3.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Vehicles Loan	-	-	3.89%	36 months
Details As Low As; Payment example: New auto loan of $20,000 for 36 months at 3.89% APR will have a monthly payment of $591. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 3.89% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Business Vehicle Loan	-	-	4.09%	Up to 36 months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Auto Loan	-	-	4.29%	37-60 Months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Vehicle Loan	-	-	4.29%	37-60 months
Details As Low As; Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Auto Loan	-	-	4.59%	61-72 Months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Vehicle Loan	-	-	4.59%	61-72 months
Details As Low As; Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Auto Loan	-	-	4.79%	12-36 Months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Vehicle Loan	-	-	4.79%	up to 36 months
Details As Low As; Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Business Vehicle Loan	-	-	5.19%	Up to 36 months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 5.19% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Auto Loan	-	-	5.29%	37-60 Months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 5.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Vehicle Loan	-	-	5.29%	37-60 months
Details As Low As; Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 5.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Auto Loan	-	-	5.39%	61-72 Months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 5.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Vehicle Loan	-	-	5.39%	61-72 months
Details As Low As; Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 5.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Business Vehicle Loan	-	-	5.79%	37-60 months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 5.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Business Vehicle Loan	-	-	5.79%	61-72 months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 5.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Auto Loan	-	-	5.99%	73-84 Months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Vehicle Loan	-	-	5.99%	73-84 months
Details As Low As; Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Business Vehicle Loan	-	-	6.29%	37-60 months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 6.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Auto Loan	-	-	6.98%	73-84 Months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 6.98% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Vehicle Loan	-	-	6.98%	73-84 months
Details As Low As; Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change. Minimum loan amount is $30,000 for terms of 85-96 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 6.98% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Auto Loan	-	-	7.39%	85-96 Months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Vehicle Loan	-	-	7.39%	85-96 months
Details As Low As; Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change. Last Updated 10/01/2026 Rate History No change since Oct 1, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Business Vehicle Loan	-	-	7.39%	61-72 months
Details As Low As Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.39% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Other Eligible Vehicles Loan	-	-	7.45%	up to 36 months
Details As Low As; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Other Eligible Vehicles Loan	-	-	7.45%	37-60 months
Details As Low As; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Other Eligible Vehicles Loan	-	-	9.80%	61-72 months
Details As Low As; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 9.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Other Eligible Vehicles Loan	-	-	9.80%	73-84 months
Details As Low As; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 9.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Other Eligible Vehicles Loan	-	-	9.80%	85-180 months
Details As Low As; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 9.80% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Navy Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Boat Loan	-	6.95%	up to 36 months
Details As Low As; Boats: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 6.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Motorcycle Loan	-	7.45%	up to 36 months
Details As Low As; New Motorcycles: $25,000 minimum amount financed for 61-72 months. $30,000 minimum amount financed for 73-84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Boat Loan	-	7.45%	up to 36 months
Details As Low As; Boats: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Motorcycle Loan	-	7.45%	up to 36 months
Details As Low As; Used Motorcycles: $25,000 minimum amount financed for 61-72 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Motorcycle Loan	-	7.95%	37-60 months
Details As Low As; New Motorcycles: $25,000 minimum amount financed for 61-72 months. $30,000 minimum amount financed for 73-84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Motorcycle Loan	-	7.95%	61-72 months
Details As Low As; New Motorcycles: $25,000 minimum amount financed for 61-72 months. $30,000 minimum amount financed for 73-84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Boat Loan	-	8.95%	37-60 months
Details As Low As; Boats: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 8.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Boat Loan	-	8.95%	61-72 months
Details As Low As; Boats: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 8.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Boat Loan	-	8.95%	73-84 months
Details As Low As; Boats: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 8.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Boat Loan	-	8.95%	85-180 months
Details As Low As; Boats: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 8.95% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Boat Loan	-	9.00%	37-60 months
Details As Low As; Boats: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Boat Loan	-	9.00%	61-72 months
Details As Low As; Boats: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Motorcycle Loan	-	9.30%	73-84 months
Details As Low As; New Motorcycles: $25,000 minimum amount financed for 61-72 months. $30,000 minimum amount financed for 73-84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 9.30% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Boat Loan	-	9.90%	73-84 months
Details As Low As; Boats: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 9.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Boat Loan	-	9.90%	85-180 months
Details As Low As; Boats: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed over 84 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 9.90% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Motorcycle Loan	-	10.05%	37-60 months
Details As Low As; Used Motorcycles: $25,000 minimum amount financed for 61-72 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 10.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Motorcycle Loan	-	10.05%	61-72 months
Details As Low As; Used Motorcycles: $25,000 minimum amount financed for 61-72 months. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 10.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Navy Federal Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Graduate Student Loans	-	-	2.67%	5-, 10- or 15-year
Details As Low As; Fixed rate Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 2.67% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Undergraduate Student Loans	-	-	2.67%	5-, 10- or 15-year
Details As Low As; Fixed rate Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 2.67% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Graduate Student Loans	-	-	6.18%	5-, 10- or 15-year
Details As Low As; Variable rate Last Updated 10/01/2026 Rate History 1 change since Sep 30, 2026 · 2.67% → 6.18% ▲ 3.51 pts · high 6.18% / low 2.67% Oct 1, 20266.18%▲ from 2.67% Sep 30, 20262.67%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Undergraduate Student Loans	-	-	6.18%	5-, 10- or 15-year
Details As Low As; Variable rate Last Updated 10/01/2026 Rate History 1 change since Sep 30, 2026 · 2.67% → 6.18% ▲ 3.51 pts · high 6.18% / low 2.67% Oct 1, 20266.18%▲ from 2.67% Sep 30, 20262.67%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Navy Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa/Mastercard	-	10.24%
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 10.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
GO REWARDS Visa/Mastercard	-	13.49%
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 13.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
cashRewards & cashRewards Plus Visa/Mastercard	-	14.15%
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 14.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Navy Federal More Rewards American Express Card Loan	-	14.15%
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 14.15% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Flagship Premier Visa Signature	-	15.74%
Details Annual fee for Flagship Premier Visa Signature. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 15.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
cashRewards Secured Visa/Mastercard	-	18.00%
No additional details. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 18.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Navy Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.74%	Up to 36 Months
Details As Low As; Personal Loan rates range from 8.74% to 18.00% APR. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 8.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Personal Loan	10.69%	37-60 Months
Details As Low As; Personal Loan rates range from 8.74% to 18.00% APR. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 10.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Flagship Premier Visa Signature	15.74%
Details Annual fee for Flagship Premier Visa Signature. Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 15.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Navy Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Fixed-Rate Equity Loan	-	-	7.34%	5-year
Details No closing costs; Borrow up to 100% of your home's equity; Available min/max loan amount: $10,000 - $500,000; Fixed rate for the life of the loan; No application or origination fee; Lump sum amount; Navy Federal servicing for the life of your loan; Personal guidance from first call to closing; Rate above for 5-year term Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 7.34% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Homebuyers Choice Loan 30 Year	7.875%	0.500	8.224%	30 Year
Details As Low As; Advertised rate assumes the purchase of a single-family primary residence, 720 FICO, down payment of 0% up to the conforming loan amount limit. Last Updated 10/01/2026 Rate History No change since Oct 1, 2026 · 8.22% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Student and Parent Refinance Loans	-	-	4.45%	5-, 10- or 15-year
Details As Low As; Fixed rate Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 4.45% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Student and Parent Refinance Loans	-	-	4.81%	5-, 10- or 15-year
Details As Low As; Variable rate Last Updated 10/01/2026 Rate History 1 change since Sep 30, 2026 · 4.77% → 4.81% ▲ 0.04 pts · high 4.81% / low 4.77% Oct 1, 20264.81%▲ from 4.77% Sep 30, 20264.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
IRA Share Accounts (ESA, Roth, SEP And Traditional)	0.25%	-	0.25%
Last Updated 10/01/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Navy Federal Credit Union’s Texas Ratio rose from 7.02% in Q3 2023 to 8.14% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$204.4B	8.14%	5.0	A
March 31, 2026	$203.6B	7.73%	5.0	A
December 31, 2025	$197.2B	10.28%	5.0	A
September 30, 2025	$194.2B	8.29%	5.0	A
June 30, 2025	$191.8B	8.05%	5.0	A
March 31, 2025	$190.2B	7.35%	5.0	A
December 31, 2024	$180.8B	8.73%	5.0	A
September 30, 2024	$180.8B	8.39%	5.0	A
June 30, 2024	$177.7B	7.79%	5.0	A
March 31, 2024	$178.0B	7.75%	5.0	A
December 31, 2023	$170.8B	8.12%	5.0	A
September 30, 2023	$168.4B	7.02%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Navy Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Navy Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Navy Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Navy Federal Credit Union

Website https://www.navyfcu.org

Address 820 Follin Ln SE, Vienna, VA 22180

Phone 888-842-6328

Fax

President Edward Cochrane Jr.

CEO Dietrich Kuhlmann

Full-Time Employees 24,731

Part-Time Employees 605

Branch Locations 388

ATM Locations 364

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.14%

Return on Assets (ROA)

0.6910%

Return on Equity (ROE)

5.9324%

Non-Performing Loans Ratio (NPL)

1.58%

Total Assets

204,364,276,193

Total Amount of Shares and Deposits

173,361,392,069

Total Shares and Deposits < 1 Year

163,399,337,564

Total Shares and Deposits 1 3 Years

6,500,464,974

Total Shares and Deposits > 3 Years

3,461,589,529

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

16,829,681,663

Total Uninsured Shares and Deposits > $250K (F+J)

16,829,681,663

Total Insured Shares and Deposits > $250K (item 17 less item K)

156,531,710,406

Total Interest Expense (Sum of items 6 8)

1,625,295,897

Share Certificates

1,798,804

Number of Accounts for Share Drafts

13,281,410

IRA KEOGH Accounts

548,632

Number of Accounts for Regular Shares

17,323,221

All other shares

375,922

Money Market Shares

881,091

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,038,205,741

Total Liabilities

184,320,781,766

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Navy Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/navy-federal-credit-union-rates-review-5536">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Navy Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Navy Federal Credit Union

Frequently Asked Questions About Navy Federal Credit Union

How many branches does Navy Federal Credit Union operate?

Navy Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Navy Federal Credit Union?

Yes, to access services at Navy Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Navy Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Navy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Navy Federal Credit Union offer online and mobile banking?

Most modern institutions like Navy Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.navyfcu.org.

Current Navy Federal Credit Union Rates

12-Month CD4.05%
18-Month CD4.10%
24-Month CD3.66%
Savings0.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Navy Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Navy Federal Credit Union Texas Ratio

Navy Federal Credit Union Health Trend

Navy Federal Credit Union CD Rates

Navy Federal Credit Union Savings Rates

Navy Federal Credit Union Money Market Rates

Navy Federal Credit Union Checking Rates

Navy Federal Credit Union Mortgage Rates

Navy Federal Credit Union Home Equity & HELOC

Navy Federal Credit Union Auto Loan Rates

Navy Federal Credit Union RV, Boat and Powersport Loan Rates

Navy Federal Credit Union Student Loan Rates

Navy Federal Credit Union Credit Card Rates

Navy Federal Credit Union Personal Loan Rates

Navy Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Navy Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Navy Federal Credit Union

How many branches does Navy Federal Credit Union operate?

Is a member application needed to join Navy Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Navy Federal Credit Union offer online and mobile banking?

Current Navy Federal Credit Union Rates

Compare to Other Credit Unions