Navy Federal Credit Union
Verified rate book
Current Navy Federal Credit Union rates
25 published offers verified as of August 3, 2026.
Mortgage rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 15-Year Fixed15 year fixed | 5.840% APR | 5.625% | — | Standard |
| VA 15-Year Fixed15 year fixed | 6.196% APR | 5.500% | — | Standard |
| VA Loanother | 5.500% APR | 5.500% | — | Standard |
Auto & vehicle rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New Auto Loan APR as low asauto_new_36mo | 3.890% APR | 3.890% | 36 mo · new | Standard |
| 96-Month New Auto Loanauto_new_96mo | 3.890% APR | 3.890% | 96 mo · new | Advertised floor |
| New Auto Loan APR as low asauto_new_72mo | 4.590% APR | 4.590% | 72 mo · new | Standard |
| Used Auto Loan APR as low asauto_used_36mo | 4.790% APR | 4.790% | 36 mo · used | Standard |
| Used Auto Loan APR as low asauto_used_72mo | 5.390% APR | 5.390% | 72 mo · used | Standard |
Savings & CD rates
17 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Short Term Certificates Rate Table (3 Months)cd_3mo | 1.25% APY | 1.25% | 3 mo | Standard |
| EasyStart Certificates Rate Table (24 Months)cd_24mo | 3.39% APY | 3.39% | 24 mo | Standard |
| EasyStart Certificatecd_24mo | 3.45% APY | 3.39% | 24 mo | Standard |
| EasyStart Certificates Rate Table (18 Months)cd_18mo | 3.49% APY | 3.49% | 18 mo | Standard |
| Long Term Certificates Rate Table (3 Years)cd_36mo | 3.50% APY | 3.50% | 36 mo | Standard |
| Long Term Certificates Rate Table (7 Years)cd_84mo | 3.50% APY | 3.50% | 84 mo | Standard |
| Short Term Certificates Rate Table (24 Months)cd_24mo | 3.50% APY | 3.50% | 24 mo | Standard |
| Long Term Certificates Rate Table (5 Years)cd_60mo | 3.50% APY | 3.50% | 60 mo | Standard |
| EasyStart Certificatecd_18mo | 3.55% APY | 3.49% | 18 mo | Standard |
| EasyStart Certificates Rate Table (12 Months)cd_12mo | 3.59% APY | 3.59% | 12 mo | Standard |
| Short Term Certificates Rate Table (18 Months)cd_18mo | 3.60% APY | 3.60% | 18 mo | Standard |
| EasyStart Certificatecd_12mo | 3.66% APY | 3.59% | 12 mo | Standard |
| Short Term Certificates Rate Table (12 Months)cd_12mo | 3.70% APY | 3.70% | 12 mo | Standard |
| Short Term Certificatecd_18mo | 3.80% APY | 3.80% | 18 mo | Standard |
| Long Term Certificatecd_36mo | 3.80% APY | 3.80% | 36 mo | Standard |
| Special EasyStart Certificate Footnote [1]cd_72mo | 3.92% APY | 3.92% | 72 mo | Standard |
| Special EasyStart Certificatecd_12mo | 4.00% APY | 3.92% | 12 mo | Standard |
As of August 3, 2026, Navy Federal Credit Union offers a 15-year fixed mortgage at 5.84% APR. Auto loans available from 3.89% APR for 36 months. Savings and certificate yields up to 4.00% APY.
Source: RateAPI.dev, verified from Navy Federal Credit Union's official website
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About Navy Federal Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 15.4M
- Assets
- $203.6B
- Founded
- 1947
- Locations reported
- 383
- NCUA charter
- 5536
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- First-time homebuyer program
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Navy Federal Credit Union
Membership eligibility from Navy Federal Credit Union's own published criteria. How we verify this.
Membership criteria are published on Navy Federal Credit Union's website. Check the membership page below to confirm whether you qualify.
Cost to join: About $5.
Verified from Navy Federal Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Navy Federal Credit Union?
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Frequently Asked Questions
What rates does Navy Federal Credit Union offer?
Navy Federal Credit Union currently offers mortgage, and Auto loan rates. The rates shown on this page were last verified August 3, 2026 directly from the credit union's official website.
How often are Navy Federal Credit Union rates updated?
RateAPI verifies Navy Federal Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 3, 2026.
Where does RateAPI get Navy Federal Credit Union's rate data?
Rate data is collected directly from Navy Federal Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Navy Federal Credit Union's mortgage rate?
As of August 3, 2026, Navy Federal Credit Union offers a 15-year fixed mortgage at 5.84% APR.
What are Navy Federal Credit Union's auto loan rates?
As of August 3, 2026, Navy Federal Credit Union offers auto loans from 3.89% APR.
What is Navy Federal Credit Union's best CD rate?
As of August 3, 2026, Navy Federal Credit Union offers savings and certificate (CD) yields up to 4.00% APY.
Related Rate Data
Compare Navy Federal Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Navy Federal Credit Union rates
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# Get rates for Navy Federal Credit Union
curl "https://api.rateapi.dev/credit-unions/virginia/navy-federal-credit-union" \
-H "Authorization: Bearer YOUR_API_KEY"