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Naveo Credit Union

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Naveo Credit Union Rates & Review September 2026

Q: How many branches does Naveo Credit Union operate?

Naveo 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.

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

Yes, to access services at Naveo 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: Is there a first-time homebuyer program?

Currently, Naveo 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Naveo 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 22, 2026

Naveo Credit Union's 5-Month CD Special rates are at 3.85%, 8-Month CD Special rates are at 3.60%. Naveo Credit Union's Adjustable Rate Mortgage (1-4 family Owner Occupied) - 7/1 rates are at 5.75%, Adjustable Rate Mortgage (1-4 family Owner Occupied) - 10/1 rates are at 6.00%, Adjustable Rate Mortgage (1-4 family Owner Occupied) - 5/1 rates are at 6.45%, Conforming Fixed Rate Mortgage - 15 Year Fixed Rate rates are at 6.50%, Conforming Fixed Rate Mortgage - 10 Year Fixed Rate rates are at 6.50%. MonitorBankRates evaluates the financial stability of Naveo Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.73%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.73%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Naveo Credit Union
Somerville

493 Somerville Ave
Somerville, MA 02143

https://www.naveo.org

Naveo Credit Union CD Rates

Product	Rate	APY	Term
5-Month CD Special	-	3.85%	5-month
Min Deposit $1,000 Min Balance $1,000 Details At maturity, this CD rolls over to a 6-month term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
8-Month CD Special	-	3.60%	8-month
Min Deposit $1,000 Min Balance $1,000 Details At maturity, this CD rolls over to a 12-month term. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%

Naveo Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage (1-4 family Owner Occupied) - 7/1	5.75%	0	6.36%	7 Years
Details 30-year term/amortization; The advertised rates are for conforming loans with a loan example of $450,000 and are based on the loan characteristics noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.; Initial Rate Period # Monthly Payments: 84; Fully Indexed Rate # Monthly Payments: 276; Closing Fees: Yes Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Adjustable Rate Mortgage (1-4 family Owner Occupied) - 10/1	6.00%	0	6.36%	10 Years
Details 30-year term/amortization; The advertised rates are for conforming loans with a loan example of $450,000 and are based on the loan characteristics noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.; Initial Rate Period # Monthly Payments: 120; Fully Indexed Rate # Monthly Payments: 240; Closing Fees: Yes Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Adjustable Rate Mortgage (1-4 family Owner Occupied) - 5/1	-	0	6.45%	5 Years
Details 30-year term/amortization; The advertised rates are for conforming loans with a loan example of $450,000 and are based on the loan characteristics noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.; Initial Rate Period # Monthly Payments: 60; Fully Indexed Rate # Monthly Payments: 300; Closing Fees: Yes Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Conforming Fixed Rate Mortgage - 15 Year Fixed Rate	6.50%	0	6.61%	15 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Conforming Fixed Rate Mortgage - 10 Year Fixed Rate	6.50%	0	6.65%	10 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Adjustable Rate Mortgage Owner-Occupied Jumbo Million - 7/1	6.38%	0	6.66%	7 Years
Details up to $2; 30-year term/amortization; The advertised rates are for conforming loans with a loan example of $900,000 and are based on the loan characteristics noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Adjustable Rate Mortgage Owner-Occupied Jumbo Million - 5/1	-	0	6.67%	5 Years
Details up to $2; 30-year term/amortization; The advertised rates are for conforming loans with a loan example of $900,000 and are based on the loan characteristics noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Adjustable Rate Mortgage Owner-Occupied Jumbo Million - 10/1	6.63%	0	6.76%	10 Years
Details up to $2; 30-year term/amortization; The advertised rates are for conforming loans with a loan example of $900,000 and are based on the loan characteristics noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Conforming Fixed Rate Mortgage - 30 Year Fixed Rate	6.75%	0	6.82%	30 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Adjustable Rate Mortgage Owner-Occupied Jumbo Million - 15/1	6.88%	0	6.93%	15 Years
Details up to $2; 30-year term/amortization; The advertised rates are for conforming loans with a loan example of $900,000 and are based on the loan characteristics noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Adjustable Rate Mortgage (1-4 family Owner Occupied) - 15/1	6.88%	0	6.95%	15 Years
Details 30-year term/amortization; The advertised rates are for conforming loans with a loan example of $450,000 and are based on the loan characteristics noted below. Payment examples do not include taxes or insurance premiums, monthly payment obligations will be higher.; Initial Rate Period # Monthly Payments: 180; Fully Indexed Rate # Monthly Payments: 180; Closing Fees: Yes Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Conforming Fixed Rate Mortgage - 20 Year Fixed Rate	6.88%	0	6.96%	20 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Jumbo & High Balance Fixed Rate Mortgage - 15 Year Fixed Rate	6.88%	0	6.99%	15 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Jumbo & High Balance Fixed Rate Mortgage - 30 Year Fixed Rate	7.38%	0	7.45%	30 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%

Naveo Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	6.00%	10 Year Draw Period
Details Variable thereafter; Prime Minus 1.00% (currently 7.00%) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Fixed Home Equity Loan Premium Pricing	6.25%	-	6.25%	3 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Fixed Home Equity Loan Premium Pricing	6.38%	-	6.38%	5 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Fixed Home Equity Loan Premium Pricing	6.50%	-	6.50%	7 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Fixed Home Equity Loan Premium Pricing	6.75%	-	6.75%	10 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Fixed Home Equity Loan	6.88%	-	6.88%	5 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Fixed Home Equity Loan Premium Pricing	7.00%	-	7.00%	15 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Home Equity Line of Credit	-	-	7.00%	10 Year Draw Period
Details Rate: Prime Rate (currently 7.00%) Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Fixed Home Equity Loan Premium Pricing	7.25%	-	7.25%	20 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Fixed Home Equity Loan	7.50%	-	7.50%	15 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%
Fixed Home Equity Loan	7.75%	-	7.75%	20 Year
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.73%

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

Naveo Credit Union’s Texas Ratio rose from 0.33% in Q2 2023 to 6.73% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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
March 31, 2026	$175M	6.73%	5.0	A
December 31, 2025	$172M	2.64%	5.0	A+
September 30, 2025	$178M	3.77%	5.0	A+
June 30, 2025	$179M	3.97%	5.0	A+
March 31, 2025	$173M	0.35%	5.0	A+
December 31, 2024	$171M	0.00%	5.0	A+
September 30, 2024	$179M	0.23%	5.0	A+
June 30, 2024	$178M	0.09%	5.0	A+
March 31, 2024	$175M	0.14%	5.0	A+
December 31, 2023	$170M	0.08%	5.0	A+
September 30, 2023	$166M	0.97%	5.0	A+
June 30, 2023	$169M	0.33%	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 Naveo 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 Naveo 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 Naveo Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Naveo Credit Union

Website https://www.naveo.org

Address 493 Somerville Ave, Somerville, MA 02143

Phone 617-547-3144

Fax 617-547-3451

President Leontina Mancini

CEO Andrea White

Full-Time Employees 27

Part-Time Employees 4

Branch Locations 2

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 (97/100)

Texas Ratio

6.73%

Return on Assets (ROA)

0.0867%

Return on Equity (ROE)

1.0130%

Non-Performing Loans Ratio (NPL)

0.94%

Total Assets

174,624,921

Total Amount of Shares and Deposits

153,443,290

Total Shares and Deposits < 1 Year

150,368,279

Total Shares and Deposits 1 3 Years

2,481,812

Total Shares and Deposits > 3 Years

593,196

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

13,317,355

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

13,317,355

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

140,125,935

Total Interest Expense (Sum of items 6 8)

378,003

Share Certificates

561

Number of Accounts for Share Drafts

3,877

IRA KEOGH Accounts

218

Number of Accounts for Regular Shares

7,449

All other shares

163

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

151,465

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)

3,842,946

Total Liabilities

163,548,778

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Naveo 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.

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

Customer Reviews

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Frequently Asked Questions About Naveo Credit Union

How many branches does Naveo Credit Union operate?

Naveo 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 Naveo Credit Union?

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

Does Naveo Credit Union offer online and mobile banking?

Most modern institutions like Naveo 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.naveo.org.