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Navy Federal Credit Union

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Navy Federal Credit Union Rates & Review October 2026

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

Current rates for Navy Federal Credit Union include: 12-Month CD: 4.00%, 18-Month CD: 3.70%, 24-Month CD: 3.60%, 60-Month CD: 3.85%, Savings: 2.15%

Q: What CD terms does Navy Federal Credit Union offer?

The Navy Federal Credit Union CD terms we track include 12 month, 18 month, 2 year, 3 year and 5 year terms, with rates from 4.00% to 4.35% APY. The institution may offer other terms or specials that are not listed here, so check with Navy Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 20, 2026

Navy Federal Credit Union's 12 Month Special EasyStart CD rates are at 4.35%, 18 Month Short-Term CD rates are at 4.15%, 3 Year Long-Term CD rates are at 4.15%, 12 Month Short-Term CD rates are at 4.10%, 12 Month EasyStart CD rates are at 4.00%. Navy Federal Credit Union's savings rates are at 2.15%. Navy Federal Credit Union's checking rates are as high as 0.45%. Navy Federal Credit Union's Conventional Fixed Mortgage - 15 Year rates are at 6.25%, 5/5 Conforming ARM rates are at 6.12%, 5/5 Jumbo ARM rates are at 6.12%, Mortgage - VA Loan - 15 Year Loan rates are at 6.12%, 3/5 Conforming ARM rates are at 5.88%. Navy Federal Credit Union's Personal Loan Rates are as low as 8.74%. Navy Federal Credit Union's Credit Card Rates are at 10.24%. 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 10/20/2026.

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 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

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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 10/20/2026 Rate History No change since Sep 30, 2026 · 4.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
18 Month Short-Term Certificate	-	4.15%	18 Months
Min Balance $100,000 Details Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3 Year Long-Term Certificate	-	4.15%	3 Years
Min Balance $100,000 Details Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
12 Month Short-Term Certificate	-	4.10%	12 Months
Min Balance $100,000 Details Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
18 Month Short-Term Certificate	-	4.10%	18 Months
Min Balance $1,000 Details Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
18 Month Short-Term Certificate	-	4.10%	18 Months
Min Balance $20,000 Details Balance: $20,000.00 - $99,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3 Year Long-Term Certificate	-	4.10%	3 Years
Min Balance $1,000 Details Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3 Year Long-Term Certificate	-	4.10%	3 Years
Min Balance $20,000 Details Balance tier: $20K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
12 Month Short-Term Certificate	-	4.05%	12 Months
Min Balance $1,000 Details Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
12 Month Short-Term Certificate	-	4.05%	12 Months
Min Balance $20,000 Details Balance: $20,000.00 - $99,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
12 Month EasyStart Certificate	3.92%	4.00%	12 Months
Min Deposit $50 Details Share, IRA, ESA; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
5 Year Long-Term Certificate	-	3.90%	5 Years
Min Balance $100,000 Details Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 3.90% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
5 Year Long-Term Certificate	-	3.85%	5 Years
Min Balance $1,000 Details Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
5 Year Long-Term Certificate	-	3.85%	5 Years
Min Balance $20,000 Details Balance tier: $20K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
18 Month EasyStart Certificate	3.63%	3.70%	18 Months
Min Deposit $50 Details Share, IRA, ESA; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
24 Month Short-Term Certificate	-	3.70%	24 Months
Min Balance $100,000 Details Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
24 Month Short-Term Certificate	-	3.66%	24 Months
Min Balance $1,000 Details Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
24 Month Short-Term Certificate	-	3.66%	24 Months
Min Balance $20,000 Details Balance: $20,000.00 - $99,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 3.66% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
24 Month EasyStart Certificate	3.54%	3.60%	24 Months
Min Deposit $50 Details Share, IRA, ESA; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3 Month Short-Term Certificate	-	1.55%	3 Months
Min Balance $100,000 Details Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 1.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3 Month Short-Term Certificate	-	1.50%	3 Months
Min Balance $1,000 Details Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3 Month Short-Term Certificate	-	1.50%	3 Months
Min Balance $20,000 Details Balance: $20,000.00 - $99,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 1.50% APY 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; Savings & IRA Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 3 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; Savings & IRA Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.95% APY · checked 3 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; Savings & IRA Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.75% APY · checked 3 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; Savings & IRA Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.70% APY · checked 3 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; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.55% APY · checked 3 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; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.15% APY · checked 3 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; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.10% APY · checked 3 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; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 3 times 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%
Details Compounded & Credited: Monthly Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 6 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; Savings & IRA Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Share Savings Account	0.25%	0.25%
Min Deposit $5 Details Compounded & Credited: Monthly; Fees may reduce earnings Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 6 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; Savings & IRA Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 2.15% APY · checked 3 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; Savings & IRA Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.95% APY · checked 3 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; Savings & IRA Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.75% APY · checked 3 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; Savings & IRA Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.70% APY · checked 3 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; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.55% APY · checked 3 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; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.15% APY · checked 3 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; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.10% APY · checked 3 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; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 3 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; Savings & IRA Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 3 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 and over Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 0.45% APY · checked 6 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 to $24,999 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 6 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 to $9,999; Must maintain a daily ending balance of at least $1,500 to earn dividends Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 0.35% APY · checked 6 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 10/20/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 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 10/20/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 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 10/20/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 6 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 10/20/2026 Rate History No change since Sep 30, 2026 · 0.01% APY · checked 6 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	6.25%	0.375	6.469%	15 Year
Details Advertised rate assumes single-family primary residence, 720 FICO, 20% down up to conforming loan limit; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 6.47% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
5/5 Conforming ARM	6.125%	0.250	6.775%
Details As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 2 changes since Sep 30, 2026 · 6.75% → 6.78% ▲ 0.03 pts · high 6.83% / low 6.75% Oct 20, 20266.78%▼ from 6.83% Oct 6, 20266.83%▲ from 6.75% Sep 30, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
5/5 Jumbo ARM	6.125%	0.250	6.775%
Details As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 2 changes since Sep 30, 2026 · 6.75% → 6.78% ▲ 0.03 pts · high 6.83% / low 6.75% Oct 20, 20266.78%▼ from 6.83% Oct 6, 20266.83%▲ from 6.75% Sep 30, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Mortgage - VA Loan - 15 Year Loan	6.125%	0.250	6.792%	15 Year
Details As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required. Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3/5 Conforming ARM	5.875%	0.250	6.833%
Details As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 2 changes since Sep 30, 2026 · 6.77% → 6.83% ▲ 0.06 pts · high 6.87% / low 6.77% Oct 20, 20266.83%▼ from 6.87% Oct 6, 20266.87%▲ from 6.77% Sep 30, 20266.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
3/5 Jumbo ARM	5.875%	0.250	6.833%
Details As Low As; Adjustable-rate mortgage loans; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 2 changes since Sep 30, 2026 · 6.77% → 6.83% ▲ 0.06 pts · high 6.87% / low 6.77% Oct 20, 20266.83%▼ from 6.87% Oct 6, 20266.87%▲ from 6.77% Sep 30, 20266.77%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Conventional Fixed Mortgage - 15 Year Jumbo	6.75%	0.375	6.972%	15 Year
Details Jumbo loan; advertised rate assumes single-family primary residence, 720 FICO, 20% down; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 6.97% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Conventional Fixed Mortgage - 30 Year	6.875%	0.750	7.049%	30 Year
Details Advertised rate assumes single-family primary residence, 780 FICO, 25% down up to conforming loan limit; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.05% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Mortgage - VA Loan - 30 Year Loan	6.625%	0.375	7.059%	30 Year
Details As Low As; Rates as of Oct 19, 2026 ET. Rates subject to change. Available exclusively to eligible Servicemembers, Veterans and their spouses. No down payment is required. Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.06% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Conventional Fixed Mortgage - 30 Year Jumbo	7.125%	0.750	7.302%	30 Year
Details Jumbo loan; advertised rate assumes single-family primary residence, 720 FICO, 20% down; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Military Choice Loan - 30 Year Jumbo	8.00%	0.500	8.351%	30 Year
Details As Low As; Exclusive for Servicemembers, Reservists and Veterans who have exhausted their VA loan benefit; no down payment required; assumes single-family primary residence, 720 FICO, 0% down Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 8.35% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Homebuyers Choice Loan - 30 Year Jumbo	8.125%	0.500	8.479%	30 Year
Details Advertised rate assumes single-family primary residence, 720 FICO, 0% down payment; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 1 change since Oct 1, 2026 · 8.61% → 8.48% ▼ 0.13 pts · high 8.61% / low 8.48% Oct 20, 20268.48%▼ from 8.61% Oct 1, 20268.61%first recorded 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 10/20/2026 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; Rate above for 5-year term; Terms available: 5-, 10-, 15-, 20-year; No closing costs; Borrow up to 100% of home 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 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 7.34% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Fixed-Rate Home Equity Loan - Fixed Equity 10 Years	-	-	7.65%	10 years
Details As Low As; Max Loan Amount: $500,000; Footnote [16]; Rates subject to change Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.65% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Fixed-Rate Home Equity Loan - Fixed Equity 15 Years	-	-	7.95%	15 years
Details As Low As; Max Loan Amount: $500,000; Footnote [16]; Rates subject to change Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.95% APR 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 10/20/2026 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%
Fixed-Rate Home Equity Loan - Fixed Equity 20 Years	-	-	8.35%	20 years
Details As Low As; Max Loan Amount: $500,000; Footnote [16]; Rates subject to change Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 8.35% APR 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 10/20/2026 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
Business Vehicle Loan - New Business Vehicle	-	-	4.09%	Up to 36 months
Details As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.09% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Auto Loan - New Vehicle	-	-	4.19%	up to 36 months
Details As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Auto Loan	-	-	4.19%	12-36 Months
Details As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 1 change since Sep 30, 2026 · 3.89% → 4.19% ▲ 0.30 pts · high 4.19% / low 3.89% Oct 20, 20264.19%▲ from 3.89% Sep 30, 20263.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Auto Loan - New Vehicle	-	-	4.59%	37-60 months
Details As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Auto Loan	-	-	4.59%	37-60 Months
Details As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 1 change since Sep 30, 2026 · 4.29% → 4.59% ▲ 0.30 pts · high 4.59% / low 4.29% Oct 20, 20264.59%▲ from 4.29% Sep 30, 20264.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Auto Loan - New Vehicle	-	-	4.89%	61-72 months
Details As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.89% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Auto Loan	-	-	4.89%	61-72 Months
Details As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 1 change since Sep 30, 2026 · 4.59% → 4.89% ▲ 0.30 pts · high 4.89% / low 4.59% Oct 20, 20264.89%▲ from 4.59% Sep 30, 20264.59%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Auto Loan - Used Vehicle	-	-	5.09%	up to 36 months
Details As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 5.09% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Auto Loan	-	-	5.09%	12-36 Months
Details As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 1 change since Sep 30, 2026 · 4.79% → 5.09% ▲ 0.30 pts · high 5.09% / low 4.79% Oct 20, 20265.09%▲ from 4.79% Sep 30, 20264.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Business Vehicle Loan - Used Business Vehicle	-	-	5.19%	Up to 36 months
Details As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 5.19% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Auto Loan - Used Vehicle	-	-	5.59%	37-60 months
Details As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Auto Loan	-	-	5.59%	37-60 Months
Details As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 1 change since Sep 30, 2026 · 5.29% → 5.59% ▲ 0.30 pts · high 5.59% / low 5.29% Oct 20, 20265.59%▲ from 5.29% Sep 30, 20265.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Auto Loan - Used Vehicle	-	-	5.69%	61-72 months
Details As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Auto Loan	-	-	5.69%	61-72 Months
Details As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 1 change since Sep 30, 2026 · 5.39% → 5.69% ▲ 0.30 pts · high 5.69% / low 5.39% Oct 20, 20265.69%▲ from 5.39% Sep 30, 20265.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Business Vehicle Loan - New Business Vehicle	-	-	5.79%	37-60 months
Details As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Business Vehicle Loan - New Business Vehicle	-	-	5.79%	61-72 months
Details As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Auto Loan - New Vehicle	-	-	6.29%	73-84 months
Details As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Business Vehicle Loan - Used Business Vehicle	-	-	6.29%	37-60 months
Details As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Auto Loan	-	-	6.29%	73-84 Months
Details As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 1 change since Sep 30, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99% Oct 20, 20266.29%▲ from 5.99% Sep 30, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Auto Loan - Used Vehicle	-	-	7.28%	73-84 months
Details As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.28% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Used Auto Loan	-	-	7.28%	73-84 Months
Details As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 1 change since Sep 30, 2026 · 6.98% → 7.28% ▲ 0.30 pts · high 7.28% / low 6.98% Oct 20, 20267.28%▲ from 6.98% Sep 30, 20266.98%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Business Vehicle Loan - Used Business Vehicle	-	-	7.39%	61-72 months
Details As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.39% APR 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; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 7.45% APR · checked 6 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; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 7.45% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Auto Loan - New Vehicle	-	-	7.69%	85-96 months
Details As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Minimum loan amount $30,000 for terms of 85-96 months; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
New Auto Loan	-	-	7.69%	85-96 Months
Details As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 month terms; Terms over 84 months only for vehicles with fewer than 7,500 miles; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 1 change since Sep 30, 2026 · 7.39% → 7.69% ▲ 0.30 pts · high 7.69% / low 7.39% Oct 20, 20267.69%▲ from 7.39% Sep 30, 20267.39%first recorded 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $25,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 9.80% APR · checked 6 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $25,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 9.80% APR · checked 6 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $30,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 9.80% APR · checked 6 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; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 6.95% APR · checked 6 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; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 7.45% APR · checked 6 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; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 7.45% APR · checked 6 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; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 7.45% APR · checked 6 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; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 7.95% APR · checked 6 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $25,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 7.95% APR · checked 6 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; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 8.95% APR · checked 6 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $25,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 8.95% APR · checked 6 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $25,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 8.95% APR · checked 6 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $30,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 8.95% APR · checked 6 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; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 9.00% APR · checked 6 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $25,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 9.00% APR · checked 6 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $30,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 9.30% APR · checked 6 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $25,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 9.90% APR · checked 6 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $30,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 9.90% APR · checked 6 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; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 10.05% APR · checked 6 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; Rates as of Oct 19, 2026 ET; Minimum amount financed: $25,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 10.05% APR · checked 6 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
Graduate Student Loans - Fixed	-	-	2.67%
Details As Low As; Fixed rate with autopay; Terms: 5-, 10- or 15-year Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 2.67% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Undergraduate Student Loans - Fixed	-	-	2.67%
Details As Low As; Fixed rate with autopay; Terms: 5-, 10- or 15-year Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 2.67% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Graduate Student Loans - Variable	-	-	6.18%
Details As Low As; Variable rate with autopay; Terms: 5-, 10- or 15-year Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 6.18% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Undergraduate Student Loans - Variable	-	-	6.18%
Details As Low As; Variable rate with autopay; Terms: 5-, 10- or 15-year Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 6.18% APR 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%
Details As Low As; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 10.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
GO REWARDS Visa/Mastercard	-	13.49%
Details As Low As; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 13.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
cashRewards & cashRewards Plus Visa/Mastercard	-	14.15%
Details As Low As; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 14.15% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Navy Federal More Rewards American Express Card	-	14.15%
Details As Low As; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 14.15% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Flagship Premier Visa Signature	-	15.74%
Details As Low As; $95 annual fee; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 2 changes since Sep 30, 2026 · 15.74% → 15.74% ▼ 0.00 pts · high 18.00% / low 15.74% Oct 10, 202615.74%▼ from 18.00% Oct 6, 202618.00%▲ from 15.74% Sep 30, 202615.74%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
cashRewards Secured Visa/Mastercard	-	18.00%
Details As Low As; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 18.00% APR · checked 6 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 - Up to 36 Months	8.74%	Up to 36 Months
Details As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Personal Loan - 37-60 Months	10.69%	37-60 months
Details As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; Personal Loan rates range from 8.74% to 18.00% APR Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 10.69% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Personal Loan - 61-180 Months	13.29%	61-180 months
Details As Low As; Rates as of Oct 19, 2026 ET; Rates subject to creditworthiness; $25,000 minimum amount financed for 61 to 84 months; $30,000 minimum for amount financed over 84 months; Terms greater than 60 months available for home improvement loans; Personal Loan rates range from 8.74% to 18.00% APR Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 13.29% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Flagship Premier Visa Signature	15.74%
Details As Low As; $95 annual fee; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 2 changes since Sep 30, 2026 · 15.74% → 15.74% ▼ 0.00 pts · high 18.00% / low 15.74% Oct 10, 202615.74%▼ from 18.00% Oct 6, 202618.00%▲ from 15.74% Sep 30, 202615.74%first recorded 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 Equity 10 Years	-	-	7.65%	10 years
Details As Low As; Fixed-rate home equity loan; Max Loan Amount: $500,000 Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.65% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Fixed Equity 15 Years	-	-	7.95%	15 years
Details As Low As; Fixed-rate home equity loan; Max Loan Amount: $500,000 Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 7.95% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Fixed Equity 20 Years	-	-	8.35%	20 years
Details As Low As; Fixed-rate home equity loan; Max Loan Amount: $500,000 Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 8.35% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Fixed Equity 5 Years	-	-	7.34%	5 years
Details As Low As; Fixed-rate home equity loan; Max Loan Amount: $500,000 Last Updated 10/20/2026 Rate History No change since Sep 30, 2026 · 7.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Homebuyers Choice Loan - 30 Year	7.75%	0.500	8.096%	30 Year
Details Advertised rate assumes single-family primary residence, 720 FICO, 0% down payment up to conforming loan limit; Rates as of Oct 19, 2026 ET Last Updated 10/20/2026 Rate History 1 change since Oct 1, 2026 · 8.22% → 8.10% ▼ 0.13 pts · high 8.22% / low 8.10% Oct 20, 20268.10%▼ from 8.22% Oct 1, 20268.22%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Military Choice Loan - 30 Year	7.625%	0.500	7.968%	30 Year
Details As Low As; Exclusive for Servicemembers, Reservists and Veterans who have exhausted their VA loan benefit; no down payment required; assumes single-family primary residence, 720 FICO, 0% down up to conforming loan limit Last Updated 10/20/2026 Rate History 1 change since Oct 6, 2026 · 8.10% → 7.97% ▼ 0.13 pts · high 8.10% / low 7.97% Oct 20, 20267.97%▼ from 8.10% Oct 6, 20268.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Student and Parent Refinance Loans - Fixed	-	-	4.45%
Details As Low As; Fixed rate with autopay; Terms: 5-, 10- or 15-year Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.45% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.14%
Student and Parent Refinance Loans - Variable	-	-	4.81%
Details As Low As; Variable rate with autopay; Terms: 5-, 10- or 15-year Last Updated 10/20/2026 Rate History No change since Oct 20, 2026 · 4.81% APR 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

2026 MBR Health & Safety Badge

Navy Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Navy Federal Credit Union

Does Navy Federal Credit Union offer CDs?

Yes. Navy Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Navy Federal Credit Union NCUA insured?

Yes. Navy Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Navy Federal Credit Union?

The highest CD rate MonitorBankRates has verified for Navy Federal Credit Union is 4.35% APY on its 12 Month Special EasyStart CD, as of October 20, 2026.

What CD terms does Navy Federal Credit Union offer?

The Navy Federal Credit Union CD terms we track include 12 month, 18 month, 2 year, 3 year and 5 year terms, with rates from 4.00% to 4.35% APY. The institution may offer other terms or specials that are not listed here, so check with Navy Federal Credit Union for its full lineup.

What is the highest savings rate at Navy Federal Credit Union?

The highest savings rate MonitorBankRates has verified for Navy Federal Credit Union is 0.25% APY on its Savings Account, as of October 20, 2026.

What is the highest money market rate at Navy Federal Credit Union?

The highest money market rate MonitorBankRates has verified for Navy Federal Credit Union is 2.15% APY on its Jumbo Money Market Savings Account (MMSA), as of October 20, 2026.

What is the highest checking rate at Navy Federal Credit Union?

The highest checking rate MonitorBankRates has verified for Navy Federal Credit Union is 0.45% APY on its Flagship Checking, as of October 20, 2026.

What is the lowest 30 year fixed mortgage rate at Navy Federal Credit Union?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Navy Federal Credit Union is 6.875% rate on its Conventional Fixed Mortgage - 30 Year, as of October 20, 2026.

What is the lowest auto loan rate at Navy Federal Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Navy Federal Credit Union is 4.09% APR on its Business Vehicle Loan - New Business Vehicle, as of October 20, 2026.

What is the lowest personal loan rate at Navy Federal Credit Union?

The lowest personal loan rate MonitorBankRates has verified for Navy Federal Credit Union is 10.69% APR on its Personal Loan - 37-60 Months, as of October 20, 2026.

What is the lowest credit card APR at Navy Federal Credit Union?

The lowest credit card rate MonitorBankRates has verified for Navy Federal Credit Union is 10.24% APR on its Platinum Visa/Mastercard Credit Card, as of October 20, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Navy Federal Credit Union rates compare?

Navy Federal Credit Union's top rates are 4.35% APY on its 12 Month Special EasyStart CD, 2.15% APY on savings, 0.45% APY on checking, 5.875% on its 3/5 Conforming ARM, personal loans from 8.74% APR and credit cards from 10.24% APR, verified by MonitorBankRates on October 20, 2026. To compare Navy Federal Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best mortgage rates and best checking rates, updated daily from banks and credit unions across the country.

Current Navy Federal Credit Union Rates

12-Month CD4.00%
18-Month CD3.70%
24-Month CD3.60%
60-Month CD3.85%
Savings2.15%

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

Does Navy Federal Credit Union offer CDs?

Are CDs from Navy Federal Credit Union NCUA insured?

What is the highest CD rate at Navy Federal Credit Union?

What CD terms does Navy Federal Credit Union offer?

What is the highest savings rate at Navy Federal Credit Union?

What is the highest money market rate at Navy Federal Credit Union?

What is the highest checking rate at Navy Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Navy Federal Credit Union?

What is the lowest auto loan rate at Navy Federal Credit Union?

What is the lowest personal loan rate at Navy Federal Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Navy Federal Credit Union rates compare?

Current Navy Federal Credit Union Rates

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