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

Current rates for NAFT Federal Credit Union include: 12-Month CD: 2.42%, 18-Month CD: 2.42%, 24-Month CD: 2.88%, Savings: 0.10%, MMA: 0.50%

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NAFT Federal Credit Union

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NAFT Federal Credit Union Rates & Review September 2026

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

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

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

NAFT Federal Credit Union's 6 Month CD rates are at 3.74%, 12 Month CD rates are at 3.55%, 12 Month IRA CD rates are at 3.55%, 18 Month CD rates are at 2.88%, 18 Month IRA CD rates are at 2.88%. NAFT Federal Credit Union's savings rates are at 0.10%. NAFT Federal Credit Union's money market rates are at 0.50%. NAFT Federal Credit Union's Personal Loan Rates are as low as 10.90%. MonitorBankRates evaluates the financial stability of NAFT Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.92%. Rates last updated and verified on 09/21/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.92%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

NAFT Federal Credit Union
NAFT Federal Credit Union - Main Office

901 N Veterans Blvd
Pharr, TX 78577

https://naftfcu.coop/

NAFT Federal Credit Union CD Rates

Product	Rate	APY	Term
6 Month Certificate	3.70%	3.74%	6 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: At Maturity Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
12 Month Certificate	3.50%	3.55%	12 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: Quarterly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
12 Month IRA Certificate	3.50%	3.55%	12 Month IRA
Min Deposit $500 Min Balance $500 Details Dividends Paid: Quarterly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
18 Month Certificate	2.85%	2.88%	18 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: Quarterly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
18 Month IRA Certificate	2.85%	2.88%	18 Month IRA
Min Deposit $500 Min Balance $500 Details Dividends Paid: Quarterly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
24 Month Certificate	2.85%	2.88%	24 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: Quarterly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
30 Month Certificate	2.85%	2.88%	30 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: Quarterly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
36 Month Certificate	2.85%	2.88%	36 Months
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: Quarterly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
12 Month Mini Jumbo Certificate	2.40%	2.42%	12 Month Mini Jumbo
Min Deposit $25,000 Min Balance $25,000 Details Dividends Paid: Quarterly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
18 Month Mini Jumbo Certificate	2.40%	2.42%	18 Month Mini Jumbo
Min Deposit $25,000 Min Balance $25,000 Details Dividends Paid: Quarterly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
1 Month Certificate	0.15%	0.15%	1 month
Min Deposit $1,000 Min Balance $1,000 Details Dividends Paid: At Maturity Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

NAFT Federal Credit Union Savings Rates

Product	Rate	APY
Christmas Club	0.65%	0.65%
Min Deposit $0 Details Earns on any balance Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Savings Account	0.10%	0.10%
Min Deposit $20 Min Balance $100 Details Balance: $100.00-$499.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Savings Account	0.10%	0.10%
Min Deposit $20 Min Balance $500 Details Balance: $500.00-$1,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Savings Account	0.10%	0.10%
Min Deposit $20 Min Balance $2,000 Details Balance: $2,000.00-Above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Special Savings & Escrow	0.10%	0.10%
Min Deposit $0 Min Balance $100 Details Balance: $100.00-$499.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Special Savings & Escrow	0.10%	0.10%
Min Deposit $0 Min Balance $500 Details Balance: $500.00-$1,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Special Savings & Escrow	0.10%	0.10%
Min Deposit $0 Min Balance $2,000 Details Balance: $2,000.00-Above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

NAFT Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	0.50%	0.50%
Min Deposit $2,000 Min Balance $2,000 Details Dividends Paid: Monthly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

NAFT Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	5.40%	Up to 84 Months
Details 4.90% APR* with 5% down; 4.40% APR* with 10% down Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

NAFT Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles (RVs, Watercraft, Motorcycles, ATVs, UTVs, Golf Carts) Loan	-	7.40%	Up to 144 Months
Details Term: Up to 144 Months for Loans Exceeding $65,000; 7.90% APR* Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Recreational Vehicles (RVs, Watercraft, Motorcycles, ATVs, UTVs, Golf Carts) Loan	-	7.90%	Up to 84 Months
Details 7.40% APR* with 10% down Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

NAFT Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature, Debt Consolidation Loan	10.90%	Up to 48 Months
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

NAFT Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Classic Loan	-	-	14.00%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Gold Loan	-	-	10.90%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Platinum Loan	-	-	8.90%
Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Trust Account	0.10%	-	0.10%
Min Deposit $20 Min Balance $100 Details Balance: $100.00-$499.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Trust Account	0.10%	-	0.10%
Min Deposit $20 Min Balance $500 Details Balance: $500.00-$1,999.99 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%
Trust Account	0.10%	-	0.10%
Min Deposit $20 Min Balance $2,000 Details Balance: $2,000.00-Above Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.92%

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.
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Financial Health History

NAFT Federal Credit Union’s Texas Ratio stayed near 0.91% in Q2 2023 to 0.92% in Q1 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
March 31, 2026	$152M	0.92%	5.0	A+
December 31, 2025	$148M	1.17%	5.0	A+
September 30, 2025	$148M	1.25%	5.0	A+
June 30, 2025	$148M	1.47%	5.0	A+
March 31, 2025	$139M	0.82%	5.0	A+
December 31, 2024	$134M	1.53%	5.0	A+
September 30, 2024	$134M	1.29%	5.0	A+
June 30, 2024	$134M	1.96%	5.0	A+
March 31, 2024	$132M	1.75%	5.0	A+
December 31, 2023	$130M	1.74%	5.0	A+
September 30, 2023	$129M	1.92%	5.0	A+
June 30, 2023	$125M	0.91%	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 NAFT Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

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

Rate Data Aggregation

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

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

Credit Union Profile & Overview

Credit Union Name NAFT Federal Credit Union

Website https://naftfcu.coop/

Address 901 N Veterans Blvd, Pharr, TX 78577

Phone 956-787-2774

Fax 956-783-4998

President Nora Cantu

CEO John McNeel

Full-Time Employees 34

Part-Time Employees 7

Branch Locations 3

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.92%

Return on Assets (ROA)

0.4237%

Return on Equity (ROE)

2.4860%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

152,102,917

Total Amount of Shares and Deposits

126,830,241

Total Shares and Deposits < 1 Year

125,689,274

Total Shares and Deposits 1 3 Years

1,140,967

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

1,822,948

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

1,822,948

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

125,007,293

Total Interest Expense (Sum of items 6 8)

255,037

Share Certificates

742

Number of Accounts for Share Drafts

7,463

IRA KEOGH Accounts

221

Number of Accounts for Regular Shares

12,648

Money Market Shares

315

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)

21,923,328

Total Liabilities

126,095,723

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

NAFT Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About NAFT Federal Credit Union

How many branches does NAFT Federal Credit Union operate?

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

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

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

Is there a first-time homebuyer program?

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

Are credit management and repair services offered?

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

Does NAFT Federal Credit Union offer online and mobile banking?

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