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Navy Federal Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: May 15, 2026

You can compare Navy Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 2.27%, 6-month share certificate rates at 3.65% and 3-month share certificate rates at 3.20%. Savings rates are at 0.50% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 5.90%. All these rates can be compared to Navy Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Navy Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.09%. Rates were last updated on 05/15/2026.

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

Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
10.09%
Excellent Higher than avg
Navy Federal Credit Union
Cutler Dawson Headquarter Campus
820 Follin Ln SE
Vienna, VA 22180
https://www.navyfcu.org
Member NCUA

Current Rate Availability

We do not have Navy Federal Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Navy 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 Navy 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 Navy Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Navy Federal Credit Union
Website https://www.navyfcu.org
Address 820 Follin Ln SE, Vienna, VA 22180
Phone 888-842-6328
Fax
President Edward Cochrane Jr
CEO Dietrich Kuhlmann
Full-Time Employees 24,482
Part-Time Employees 632
Branch Locations 375
ATM Locations 371
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.09%
Return on Assets (ROA)
0.7565%
Return on Equity (ROE)
6.5120%
Non-Performing Loans Ratio (NPL)
1.62%
Total Assets
194,179,276,274
Total Amount of Shares and Deposits
163,658,519,641
Total Shares and Deposits < 1 Year
154,579,899,708
Total Shares and Deposits 1 3 Years
5,510,195,796
Total Shares and Deposits > 3 Years
3,568,424,137
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,757,649,767
Total Uninsured Shares and Deposits > $250K (F+J)
15,757,649,767
Total Insured Shares and Deposits > $250K (item 17 less item K)
147,900,869,874
Total Interest Expense (Sum of items 6 8)
2,605,680,194
Share Certificates
1,789,967
Number of Accounts for Share Drafts
12,770,137
IRA KEOGH Accounts
542,990
Number of Accounts for Regular Shares
16,466,004
All other shares
363,859
Money Market Shares
1,112,193
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
5,385,789,607
Total Liabilities
175,932,861,809
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

Want to discuss Navy Federal Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Navy Federal Credit Union
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Frequently Asked Questions About Navy Federal Credit Union

How many branches does Navy Federal Credit Union operate?

Navy 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 Navy Federal Credit Union?

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

Does Navy Federal Credit Union offer online and mobile banking?

Most modern institutions like Navy 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.navyfcu.org.

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