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

Current rates for NAE Federal Credit Union include: 12-Month CD: 2.48%, 18-Month CD: 2.78%, 24-Month CD: 2.93%, 60-Month CD: 2.48%, Savings: 0.20%

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NAE Federal Credit Union

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NAE Federal Credit Union Rates & Review November 2026

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

NAE Federal Credit Union CD rates are 2.48% APY for a 12 month CD, 2.78% APY for an 18 month CD, 2.93% APY for a 2 year CD, 3.33% APY for a 3 year CD, 3.33% APY for a 4 year CD and 2.48% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with NAE Federal Credit Union for its full lineup.

Q: How many branches does NAE Federal Credit Union operate?

NAE 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 29, 2026

NAE Federal Credit Union's Share & IRA CDs - 36 month - Preferred Relationship rates are at 3.33%, Share & IRA CDs - 48 month - Preferred Relationship rates are at 3.33%, Share & IRA CDs - 60 month - Preferred Relationship rates are at 3.33%, Share & IRA CDs - 24 month - Preferred Relationship rates are at 3.23%, Share & IRA CDs - 18 month - Preferred Relationship rates are at 3.13%. NAE Federal Credit Union's savings rates are at 0.20%. NAE Federal Credit Union's Personal Loan Rates are as low as 8.79%. NAE Federal Credit Union's Credit Card Rates are at 8.99%. NAE Federal Credit Union's CD rates are 6% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of NAE Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.20%. Rates last updated and verified on 10/29/2026.

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

Verified Healthy 2026 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

1.20%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

NAE Federal Credit Union
Battlefield

755 BATTLEFIELD BLVD N
CHESAPEAKE, VA 23320-5038

https://www.naefcu.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.

NAE Federal Credit Union CD Rates

Product	Rate	APY	Term
Share & IRA Certificates - 36 month - Preferred Relationship	3.28%	3.33%	36 Months
Min Balance $1,000 Details Preferred Relationship; Balance: $1,000-$25,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 36 month - Preferred Relationship	3.28%	3.33%	36 Months
Min Balance $25,001 Details Preferred Relationship; Balance: $25,001-$100,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 36 month - Preferred Relationship	3.28%	3.33%	36 Months
Min Balance $100,001 Details Preferred Relationship; Balance: $100,001+; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 48 month - Preferred Relationship	3.28%	3.33%	48 Months
Min Balance $1,000 Details Preferred Relationship; Balance: $1,000-$25,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 48 month - Preferred Relationship	3.28%	3.33%	48 Months
Min Balance $25,001 Details Preferred Relationship; Balance: $25,001-$100,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 48 month - Preferred Relationship	3.28%	3.33%	48 Months
Min Balance $100,001 Details Preferred Relationship; Balance: $100,001+; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 60 month - Preferred Relationship	3.28%	3.33%	60 Months
Min Balance $1,000 Details Preferred Relationship; Balance: $1,000-$25,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 60 month - Preferred Relationship	3.28%	3.33%	60 Months
Min Balance $25,001 Details Preferred Relationship; Balance: $25,001-$100,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 60 month - Preferred Relationship	3.28%	3.33%	60 Months
Min Balance $100,001 Details Preferred Relationship; Balance: $100,001+; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.33% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 24 month - Preferred Relationship	3.18%	3.23%	24 Months
Min Balance $1,000 Details Preferred Relationship; Balance: $1,000-$25,000; Other Terms: 30 & 35; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.23% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 24 month - Preferred Relationship	3.18%	3.23%	24 Months
Min Balance $25,001 Details Preferred Relationship; Balance: $25,001-$100,000; Other Terms: 30 & 35; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.23% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 24 month - Preferred Relationship	3.18%	3.23%	24 Months
Min Balance $100,001 Details Preferred Relationship; Balance: $100,001+; Other Terms: 30 & 35; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.23% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 18 month - Preferred Relationship	3.09%	3.13%	18 Months
Min Balance $1,000 Details Preferred Relationship; Balance: $1,000-$25,000; Other Terms: 19, 20, 21, & 22; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 18 month - Preferred Relationship	3.09%	3.13%	18 Months
Min Balance $25,001 Details Preferred Relationship; Balance: $25,001-$100,000; Other Terms: 19, 20, 21, & 22; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 18 month - Preferred Relationship	3.09%	3.13%	18 Months
Min Balance $100,001 Details Preferred Relationship; Balance: $100,001+; Other Terms: 19, 20, 21, & 22; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 3.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 12 Month - Preferred Relationship	2.99%	3.03%	12 Month
Min Balance $1,000 Details Preferred Relationship; Balance: $1,000-$25,000; Other Terms: 13, 15, & 16 Mo; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 12 Month - Preferred Relationship	2.99%	3.03%	12 Month
Min Balance $25,001 Details Preferred Relationship; Balance: $25,001-$100,000; Other Terms: 13, 15, & 16 Mo; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 12 Month - Preferred Relationship	2.99%	3.03%	12 Month
Min Balance $100,001 Details Preferred Relationship; Balance: $100,001+; Other Terms: 13, 15, & 16 Mo; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Oct 23, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 24 month	2.89%	2.93%	24 Months
Min Balance $1,000 Details Standard Relationship; Balance: $1,000-$25,000; Other Terms: 30 & 35; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.93% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 24 month	2.89%	2.93%	24 Months
Min Balance $25,001 Details Standard Relationship; Balance: $25,001-$100,000; Other Terms: 30 & 35; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.93% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 24 month	2.89%	2.93%	24 Months
Min Balance $100,001 Details Standard Relationship; Balance: $100,001+; Other Terms: 30 & 35; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.93% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 18 month	2.75%	2.78%	18 Months
Min Balance $1,000 Details Standard Relationship; Balance: $1,000-$25,000; Other Terms: 19, 20, 21, & 22; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.78% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 18 month	2.75%	2.78%	18 Months
Min Balance $25,001 Details Standard Relationship; Balance: $25,001-$100,000; Other Terms: 19, 20, 21, & 22; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.78% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 18 month	2.75%	2.78%	18 Months
Min Balance $100,001 Details Standard Relationship; Balance: $100,001+; Other Terms: 19, 20, 21, & 22; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.78% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 12 Month	2.45%	2.48%	12 Month
Min Balance $1,000 Details Standard Relationship; Balance: $1,000-$25,000; Other Terms: 13, 15, & 16 Mo; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.48% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 12 Month	2.45%	2.48%	12 Month
Min Balance $25,001 Details Standard Relationship; Balance: $25,001-$100,000; Other Terms: 13, 15, & 16 Mo; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Oct 9, 2026 · 2.48% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 12 Month	2.45%	2.48%	12 Month
Min Balance $100,001 Details Standard Relationship; Balance: $100,001+; Other Terms: 13, 15, & 16 Mo; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.48% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 36 month	2.45%	2.48%	36 Months
Min Balance $1,000 Details Standard Relationship; Balance: $1,000-$25,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.48% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 36 month	2.45%	2.48%	36 Months
Min Balance $25,001 Details Standard Relationship; Balance: $25,001-$100,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.48% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 36 month	2.45%	2.48%	36 Months
Min Balance $100,001 Details Standard Relationship; Balance: $100,001+; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.48% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 48 month	2.45%	2.48%	48 Months
Min Balance $1,000 Details Standard Relationship; Balance: $1,000-$25,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.48% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 48 month	2.45%	2.48%	48 Months
Min Balance $25,001 Details Standard Relationship; Balance: $25,001-$100,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.48% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 48 month	2.45%	2.48%	48 Months
Min Balance $100,001 Details Standard Relationship; Balance: $100,001+; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.48% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 60 month	2.45%	2.48%	60 Months
Min Balance $1,000 Details Standard Relationship; Balance: $1,000-$25,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.48% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 60 month	2.45%	2.48%	60 Months
Min Balance $25,001 Details Standard Relationship; Balance: $25,001-$100,000; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.48% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 60 month	2.45%	2.48%	60 Months
Min Balance $100,001 Details Standard Relationship; Balance: $100,001+; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.48% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 6 month - Preferred Relationship	2.01%	2.03%	6 Months
Min Balance $1,000 Details Preferred Relationship; Balance: $1,000-$25,000; Other Terms: 7, 8, 9, 10, & 11; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 6 month - Preferred Relationship	2.01%	2.03%	6 Months
Min Balance $25,001 Details Preferred Relationship; Balance: $25,001-$100,000; Other Terms: 7, 8, 9, 10, & 11; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 6 month - Preferred Relationship	2.01%	2.03%	6 Months
Min Balance $100,001 Details Preferred Relationship; Balance: $100,001+; Other Terms: 7, 8, 9, 10, & 11; Dividends posted monthly Last Updated 10/29/2026 Rate History No change since Sep 17, 2026 · 2.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 6 month	1.72%	1.73%	6 Months
Min Balance $1,000 Details Standard Relationship; Balance: $1,000-$25,000; Other Terms: 7, 8, 9, 10, & 11; Dividends posted monthly Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 2.03% → 1.73% ▼ 0.30 pts · high 2.03% / low 1.73% Oct 13, 20261.73%▼ from 2.03% Oct 5, 20262.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 6 month	1.72%	1.73%	6 Months
Min Balance $25,001 Details Standard Relationship; Balance: $25,001-$100,000; Other Terms: 7, 8, 9, 10, & 11; Dividends posted monthly Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 2.03% → 1.73% ▼ 0.30 pts · high 2.03% / low 1.73% Oct 13, 20261.73%▼ from 2.03% Oct 5, 20262.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Share & IRA Certificates - 6 month	1.72%	1.73%	6 Months
Min Balance $100,001 Details Standard Relationship; Balance: $100,001+; Other Terms: 7, 8, 9, 10, & 11; Dividends posted monthly Last Updated 10/29/2026 Rate History 1 change since Oct 5, 2026 · 2.03% → 1.73% ▼ 0.30 pts · high 2.03% / low 1.73% Oct 13, 20261.73%▼ from 2.03% Oct 5, 20262.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

NAE Federal Credit Union Savings Rates

Product	Rate	APY
Youth Savings (Looney Toons)	0.20%	0.20%
Min Deposit $0 Min Balance $100,001 Details Balance: $100,001 and over; Dividends Post: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Youth Savings (Looney Toons)	0.14%	0.14%
Min Deposit $0 Min Balance $20,001 Details Balance: $20,001-$100,000; Dividends Post: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Vacation Club	0.07%	0.07%
Min Deposit $0 Min Balance $6,001 Details Balance: $6,001+; Dividends Post: Monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Vacation Club	0.05%	0.05%
Min Deposit $0 Min Balance $4,001 Details Balance: $4,001-$6,000; Dividends Post: Monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Youth Savings (Looney Toons)	0.04%	0.04%
Min Deposit $0 Min Balance $1,000 Details Balance: $1,000-$20,000; Dividends Post: Monthly Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Vacation Club	0.03%	0.03%
Min Deposit $0 Min Balance $100 Details Balance: $100-$4,000; Dividends Post: Monthly Last Updated 10/29/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

NAE Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.39%	0-60 Months
Details Model Year: 2020 - Present; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 4.39% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	5.14%	61-66 Months
Details Model Year: 2020 - Present; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	5.24%	67-75 Months
Details Model Year: 2020 - Present; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	6.04%	0-60 Months
Details Model Year: 2016 - 2019; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.04% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	6.14%	61-66 Months
Details Model Year: 2016 - 2019; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.14% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	6.24%	67-75 Months
Details Model Year: 2016 - 2019; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	6.34%	76-84 Months
Details Model Year: 2020 - Present; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	6.54%	0-60 Months
Details Model Year: 2013 - 2015; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	6.64%	61-66 Months
Details Model Year: 2013 - 2015; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	6.74%	67-75 Months
Details Model Year: 2013 - 2015; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	7.34%	76-84 Months
Details Model Year: 2016 - 2019; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Auto Loan	-	-	7.84%	76-84 Months
Details Model Year: 2013 - 2015; Risk Based APR Last Updated 10/29/2026 Rate History No change since Oct 13, 2026 · 7.84% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

NAE Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans - Motorcycles	-	6.29%	Up to 75 Months
Details Rates as low as. APR=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Oct 15, 2026 · 6.29% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Recreational Vehicles (Campers & Boats) Loan	-	6.79%	Up to 120 Months
Details Rates as low as. APR=Annual Percentage Rate; Risk Based: APR based on credit worthiness, member relationships, age of vehicle, and whether it is an existing NAEFCU loan Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 6.79% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

NAE Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Platinum Credit Card	-	8.99%
Details As Low As; Rates as low as. APR=Annual Percentage Rate Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

NAE Federal Credit Union Personal Loan Rates

Product	APR	Term
Signature Loans	8.79%	0 - 24 Months
Details As Low As; Unsecured signature loan Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.79% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Signature Loans	8.99%	25 - 60 Months
Details As Low As; Unsecured signature loan Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%
Signature Loans	10.75%	61 - 72 Months
Details As Low As; Unsecured signature loan Last Updated 10/29/2026 Rate History No change since Sep 14, 2026 · 10.75% APR · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.20%

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

NAE Federal Credit Union’s Texas Ratio stayed near 1.27% in Q3 2023 to 1.20% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$126M	1.20%	5.0	A+
March 31, 2026	$127M	1.35%	5.0	A+
December 31, 2025	$126M	1.44%	5.0	A+
September 30, 2025	$126M	2.08%	5.0	A+
June 30, 2025	$126M	1.88%	5.0	A+
March 31, 2025	$129M	1.88%	5.0	A+
December 31, 2024	$127M	1.95%	5.0	A+
September 30, 2024	$126M	1.92%	5.0	A+
June 30, 2024	$129M	2.08%	5.0	A+
March 31, 2024	$131M	0.95%	5.0	A+
December 31, 2023	$128M	1.49%	5.0	A+
September 30, 2023	$132M	1.27%	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 NAE 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 NAE 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 NAE Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name NAE Federal Credit Union

Website https://www.naefcu.org

Address 755 BATTLEFIELD BLVD N, CHESAPEAKE, VA 23320-5038

Phone 757-410-2000

Fax 757-410-2035

President Theodore Thorbjornsen

CEO Paul Johnson, Jr.

Full-Time Employees 35

Part-Time Employees 3

Branch Locations 3

ATM Locations 3

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

1.20%

Return on Assets (ROA)

0.1569%

Return on Equity (ROE)

0.9799%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

125,942,743

Total Amount of Shares and Deposits

102,189,623

Total Shares and Deposits < 1 Year

96,636,403

Total Shares and Deposits 1 3 Years

4,638,468

Total Shares and Deposits > 3 Years

914,751

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

12,582,176

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

12,582,176

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

89,607,447

Total Interest Expense (Sum of items 6 8)

318,343

Share Certificates

414

Number of Accounts for Share Drafts

4,705

IRA KEOGH Accounts

218

Number of Accounts for Regular Shares

11,705

Money Market Shares

878

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)

18,267,097

Total Liabilities

105,415,273

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

NAE Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About NAE Federal Credit Union

Does NAE Federal Credit Union offer CDs?

Yes. NAE Federal Credit Union current CD rates include its Share & IRA CDs - 36 month - Preferred Relationship at 3.33% APY, its Share & IRA CDs - 48 month - Preferred Relationship at 3.33% APY and its Share & IRA CDs - 60 month - Preferred Relationship at 3.33% APY, verified by MonitorBankRates as of October 29, 2026.

Are CDs from NAE Federal Credit Union NCUA insured?

Yes. NAE 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 NAE Federal Credit Union?

The highest NAE Federal Credit Union CD rate is its Share & IRA CDs - 36 month - Preferred Relationship at 3.33% APY, verified by MonitorBankRates as of October 29, 2026.

What CD terms does NAE Federal Credit Union offer?

NAE Federal Credit Union CD rates are 2.48% APY for a 12 month CD, 2.78% APY for an 18 month CD, 2.93% APY for a 2 year CD, 3.33% APY for a 3 year CD, 3.33% APY for a 4 year CD and 2.48% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with NAE Federal Credit Union for its full lineup.

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

The highest NAE Federal Credit Union savings rate is its Youth Savings (Looney Toons) at 0.20% APY, verified by MonitorBankRates as of October 29, 2026.

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

The lowest NAE Federal Credit Union auto loan rate is its Auto Loan at 4.39% APR, verified by MonitorBankRates as of October 29, 2026.

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

The lowest NAE Federal Credit Union personal loan rate is its Signature Loans at 8.79% APR, verified by MonitorBankRates as of October 29, 2026.

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

The lowest NAE Federal Credit Union credit card APR is its Visa Platinum Credit Card at 8.99% APR, verified by MonitorBankRates as of October 29, 2026.

How many branches does NAE Federal Credit Union operate?

NAE 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 NAE Federal Credit Union?

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

Does NAE Federal Credit Union offer online and mobile banking?

Most modern institutions like NAE 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.naefcu.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 NAE Federal Credit Union rates compare?

NAE Federal Credit Union's CD rates are 6% higher than the MonitorBankRates national average, and it has an A+ health rating. NAE Federal Credit Union's top rates are its Share & IRA CDs - 36 month - Preferred Relationship at 3.33% APY, its Youth Savings (Looney Toons) at 0.20% APY, its Signature Loans at 8.79% APR and its Visa Platinum Credit Card at 8.99% APR, verified by MonitorBankRates on October 29, 2026.

Current NAE Federal Credit Union Rates

12-Month CD2.48%
18-Month CD2.78%
24-Month CD2.93%
60-Month CD2.48%
Savings0.20%

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

Compare to Other Credit Unions

NAE Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

NAE Federal Credit Union Texas Ratio

NAE Federal Credit Union Health Trend

NAE Federal Credit Union CD Rates

NAE Federal Credit Union Savings Rates

NAE Federal Credit Union Auto Loan Rates

NAE Federal Credit Union RV, Boat and Powersport Loan Rates

NAE Federal Credit Union Credit Card Rates

NAE Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

NAE Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About NAE Federal Credit Union

Does NAE Federal Credit Union offer CDs?

Are CDs from NAE Federal Credit Union NCUA insured?

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

What CD terms does NAE Federal Credit Union offer?

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

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

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

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

How many branches does NAE Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does NAE 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 NAE Federal Credit Union rates compare?

Current NAE Federal Credit Union Rates

Compare to Other Credit Unions