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National Employees Federal Credit Union Rates and Review January 2026

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National Employees Federal Credit Union12-month CD rates can be found at 3.24%, 6-month CD rates at 0.50% and 3-month CD rates at 0.20%. Savings rates are at 0.35% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 6.02%. Credit Card rates are at 17.20%. Personal Loan rates are at 12.49%. All these rates, and more, can be found in our database of rates which you can compare to National Employees Federal Credit Union rates.

Compare National Employees Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of National Employees Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

National Employees 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 CD rates or other rates available. Have you opened an account or have any experiences at National Employees Federal Credit Union? Share your experience about National Employees Federal Credit Union by leaving a review below, or read customer reviews before you decide to use National Employees Federal Credit Union.

Overall, National Employees Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

National Employees Federal Credit Union
National Employees Federal Credit Union
314O E CUMBERLAND RD
BLUEFIELD, WV 24701 4972
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
Stash (Emergency) Savings
6.00%
$1
36-Month CD
3.96%
$500
18-Month CD
3.80%
$2,500
12-Month CD
3.67%
$1,000
60-Month CD
3.60%
$500
60-Month CD
3.55%
$1,000
12-Month CD
3.50%
$1,000
18-Month CD
3.50%
$500
36-Month CD
3.45%
$500
24-Month CD
3.45%
$500
18-Month CD
3.40%
$1,000
24-Month CD
3.00%
$500
36-Month CD
3.00%
$500
12-Month CD
2.90%
$10,000
36-Month CD
2.90%
$1,000
48-Month CD
2.87%
$2,500
60-Month CD
2.75%
$1,000
60-Month CD
2.75%
$2,500
36-Month CD
2.65%
$1,000
36-Month CD (Super Jumbo)
2.63%
$225,000
24-Month CD
2.53%
$500
12-Month CD
2.52%
$1,000
36-Month CD
2.52%
$500
18-Month CD
2.50%
$1,000
36-Month CD
2.25%
$1,000
36-Month CD
2.15%
$100
18-Month CD
1.86%
$100
18-Month CD
1.76%
$1,000
60-Month CD
1.66%
$500
60-Month CD
1.50%
$1,000
48-Month CD
1.41%
$1,000
60-Month CD
1.38%
$1,000
Kasasa Savings
1.00%
$0
24-Month CD
0.80%
$500
48-Month CD
0.65%
$500
60-Month CD
0.50%
$1,000
3-Month CD
0.50%
$1,000
Tiered Statement Savings
0.15%
$0
Money Market
0.10%
$2,500
Premier Money Market
0.10%
$0
Ultra Money Market
0.10%
$1,000
Prosper Savings
0.10%
$100
NOW Checking
0.05%
$500
Statement Savings
0.05%
$100
18-Month CD
0.03%
$1,000
18-Month CD
0.02%
$1,000
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
5.125%
6.002%
0.000
10-Year Fixed
5.375%
5.473%
0.000
6.125%
6.526%
0.000
5.625%
5.700%
0.000
6.000%
6.126%
0.000
5.700%
5.780%
0.000
30-Year Fixed
6.000%
6.112%
0.000
5.750%
6.309%
0.000
5.500%
5.705%
0.000
5.625%
6.000%
0.000
4.875%
4.985%
0.000
5.750%
5.977%
0.000
30-Year Fixed
6.250%
6.450%
0.000
15-Year Fixed
5.250%
5.326%
0.000
5.625%
5.870%
0.000
15-Year Fixed
5.625%
5.747%
0.250
5.500%
5.561%
0.000
15 Year Fixed
5.550%
5.643%
0.000
20-Year Fixed
6.625%
6.626%
0.000
5.250%
5.430%
0.359
30-Year Fixed (Jumbo)
5.625%
5.714%
0.750
7/6 Jumbo ARM
5.250%
6.056%
0.110
30 Year Fixed
6.125%
6.360%
0.963
5.375%
5.721%
0.000
30-Year Fixed
6.125%
6.198%
0.000
5.500%
5.581%
0.000
5.375%
5.565%
1.000
5.625%
5.843%
0.000
6.250%
6.330%
0.000
5.625%
6.037%
0.000
20-Year Fixed
5.625%
5.666%
0.000
15-Year Fixed
5.375%
5.525%
0.000
5.875%
5.958%
0.000
5.650%
5.986%
0.000
30-Year Fixed
6.125%
6.330%
0.000
5.875%
6.099%
0.000
5.375%
5.475%
0.000
6.500%
6.748%
0.000
5.300%
5.433%
0.000
5.375%
5.512%
0.000
5.500%
5.567%
0.000
6.000%
6.107%
0.000
30-Year Fixed
5.875%
5.999%
0.000
5.625%
5.721%
0.000
30 Year Fixed
6.375%
6.670%
0.000
5.000%
5.128%
0.250
6.125%
6.320%
0.000
4.875%
5.754%
0.000
6.375%
6.460%
0.000
5.625%
6.461%
0.000
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Credit Card Rate Comparison

Institution
Product
APR
Notes
Premier Rate Credit Card Mastercard
12.950% - 18.000%
Secure Card Visa
29.240%
A card that\'s perfect for anyone who wants to improve or establish their credit.
VISA® Credit Cards
7.990%
School Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
Academic VISA® Gold
15.400%
SIGNATURE 1.5% CASH BACK VISA
18.000%
Unlimited 1.5% Cash Back Signature Card
VISA Credit Card
7.900% - 15.900%
Maximum credit card amount offered is $10,000 with a 36-month term.
Visa Signature Rewards
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Visa Platinum Rewards
14.900%
Everyday Rewards+ Card Visa
19.490% - 29.740%
Earn up to 4x unlimited points AND receive a $150 bonus.
16.100%
Max Rewards Visa Credit Card
15.250%
14.240%
16.240% - 27.240%
Visa Crimson Rewards Card
13.740%
VISA Platinum without Rewards
7.900%
Academic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
Platinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
Platinum Secured Visa
8.750%
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
13.900%
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
Visa Signature® Rewards
17.750%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
12.990%
$0
13 - 60
12.990%
$0 - $2,000
24 - 24
7.750% - 16.750%
$0
1 - 36
Personal/Signature Loans
11.150%
$0
60 - 60
10.250% - 10.650%
$3,000 - $25,000
10.490%
$0
60 - 60
50% Share Secured Loan
6.460% - 14.990%
$0
Open-End Unsecured Signature Loan-Line of Credit
10.200%
$0
Signature Loan
10.500%
$0
10.990%
$500
36
10.500%
$0
Unsecured/Personal Loans
8.990%
$0
Personal Signature Loan
11.000%
$0
96
Signature (Unsecured) Loan
11.040%
$0
1 - 24
13.240%
$0 - $2,000
36 - 36
Debt Consolidation
13.990%
$0
1 - 72
Personal Loans
11.000%
$0
37 - 60
New Signature Loans
8.990%
$0
Personal Loan
13.000% - 13.200%
$1,500 - $15,000
24 - 24
Line of Credit
13.700%
$0
Signature Personal Loan
12.650%
$0 - $15,000
1 - 36
13.740%
$0
60
Personal Line of Credit
9.000%
$0
60
10.990%
$0 - $10,000
60 - 60
Unsecured Signature Loan
10.250%
$0
37 - 60
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have National Employees Federal Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: National Employees Federal Credit Union
Website:
Full Time Employees: 5
Part Time Employees: 0
President: Charles Bowling
CEO: CHARLES BLANKENSHIP
Branch Locations: 1
ATM Locations: 0
Corporate Office Address:
314O E CUMBERLAND RD
BLUEFIELD, WV 24701 4972
Phone Number: 304-325-9753
Fax Number: 304-324-8525

Financials

Total Assets:
14,361,080
Total Amount of Shares and Deposits:
12,374,689
Total Shares and Deposits < 1 Year:
12,349,688
Total Shares and Deposits 1 3 Years:
25,000
Total Insured Shares and Deposits > $250K (item 17 less item K):
12,374,689
Total Interest Expense (Sum of items 6 8):
93,437
Share Certificates:
45
Number of Accounts for Share Drafts:
417
Number of Accounts for Regular Shares:
2,929
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,471,712
Total Liabilities:
12,415,901
Show More
Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About National Employees Federal Credit Union

Is a member application needed to join National Employees Federal Credit Union?

Yes, to access services at National Employees Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, National Employees Federal Credit Union provides a range of mortgage and home equity products.

Is National Employees Federal Credit Union a safe place to deposit money?

Yes, National Employees Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does National Employees Federal Credit Union offer online and mobile banking?

Most modern institutions like National Employees Federal Credit Union provide digital access including online balance checks and transfers.

Current National Employees Federal Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions