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

Current rates for NAFT Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 2.88%, 24-Month CD: 2.88%, Savings: 0.10%, MMA: 0.50%

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NAFT Federal Credit Union

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NAFT Federal Credit Union Rates & Review August 2026

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

Yes, to access services at NAFT 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, NAFT 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: August 28, 2026

NAFT Federal Credit Union's 6 month rates are at 3.74%, 12 Month IRA rates are at 3.55%, 12 month rates are at 3.55%, 18 Month IRA rates are at 2.88%, 18 month rates are at 2.88%. NAFT Federal Credit Union's savings rates are at 0.10%. NAFT Federal Credit Union's money market rates are at 0.50%. NAFT Federal Credit Union's Personal Loan Rates are at 5.40%. MonitorBankRates evaluates the financial stability of NAFT Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.25%. Rates last updated and verified on 08/28/2026.

NAFT 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 NAFT Federal Credit Union? Share your experience about NAFT Federal Credit Union by leaving a review below, or read customer reviews before you decide to use NAFT Federal Credit Union.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.25%

Excellent Lower than avg

NAFT Federal Credit Union
NAFT Federal Credit Union Main Office

901 N Veterans Blvd
Pharr, TX 78577

https://naftfcu.coop/

NAFT Federal Credit Union CD Rates

Product	Rate	APY	Term
6 month	3.70%	3.74%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: At Maturity Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%
12 Month IRA	3.50%	3.55%	12 Month IRA
Min Deposit $500 Min Balance $500 Details Dividends Paid: Quarterly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%
12 month	3.50%	3.55%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: Quarterly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%
18 Month IRA	2.85%	2.88%	18 Month IRA
Min Deposit $500 Min Balance $500 Details Dividends Paid: Quarterly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%
18 month	2.85%	2.88%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: Quarterly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%
24 month	2.85%	2.88%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: Quarterly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%
30 month	2.85%	2.88%	30 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: Quarterly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%
36 month	2.85%	2.88%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: Quarterly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%
1 month	0.15%	0.15%	1 month
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: At Maturity Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%

NAFT Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.65%	0.65%
Min Deposit $0 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%
Savings Account	0.10%	0.10%
Min Deposit $20 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%
Special Savings & Escrow	0.10%	0.10%
Min Deposit $0 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%

NAFT Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	0.50%	0.50%
Min Deposit $2,000 Min Balance $2,000 Details Dividends Paid: Monthly Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%

NAFT Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	5.40%	Up to 84 Months
Details 4.90% APR* with 5% down; 4.40% APR* with 10% down Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.25%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for NAFT 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 NAFT 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 NAFT Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name NAFT Federal Credit Union

Website https://naftfcu.coop/

Address 901 N Veterans Blvd, Pharr, TX 78577

Phone 956-787-2774

Fax 956-783-4998

President Nora Cantu

CEO John McNeel

Full-Time Employees 31

Part-Time Employees 6

Branch Locations 3

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.25%

Return on Assets (ROA)

1.3664%

Return on Equity (ROE)

8.2710%

Non-Performing Loans Ratio (NPL)

0.48%

Total Assets

148,392,006

Total Amount of Shares and Deposits

123,341,748

Total Shares and Deposits < 1 Year

122,537,300

Total Shares and Deposits 1 3 Years

804,448

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

757,273

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

757,273

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

122,584,475

Total Interest Expense (Sum of items 6 8)

736,312

Share Certificates

700

Number of Accounts for Share Drafts

7,394

IRA KEOGH Accounts

231

Number of Accounts for Regular Shares

12,633

Money Market Shares

314

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)

27,040,259

Total Liabilities

123,790,093

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

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Frequently Asked Questions About NAFT Federal Credit Union

How many branches does NAFT Federal Credit Union operate?

NAFT 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 NAFT Federal Credit Union?

Yes, to access services at NAFT 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, NAFT 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, NAFT Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does NAFT Federal Credit Union offer online and mobile banking?

Most modern institutions like NAFT 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://naftfcu.coop/.