--- title: "Navy Federal Credit Union Rates: CDs to 4.00%, Mortgage 6.32%" description: "Navy Federal Credit Union rates today: mortgage 6.32% APR, savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Navy Federal Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Navy Federal Credit Union Rates: CDs to 4.00%, Mortgage 6.32% ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Conventional Fixed Rate** other | 6.323% APR | 6.125% | — | Standard | | **VA Loan** other | 6.365% APR | 5.625% | — | Standard | Navy Federal Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **New Auto Loan APR as low as** auto_new | — APR | 4.890% | new | Standard | | **Used Auto Loan APR as low as** auto_used | — APR | 5.690% | used | Standard | Navy Federal Credit Union auto & vehicle rates as of November 12, 2026 ### Savings & CD rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Short Term Certificates Rate Table (3 Months)** cd_3mo | — APY | 1.50% | 3 mo | Standard | | **Short Term Certificates Rate Table (18 Months)** cd_18mo | — APY | 3.55% | 18 mo | Standard | | **EasyStart Certificates Rate Table (24 Months)** cd_24mo | 3.60% APY | 3.54% | 24 mo | Standard | | **Short Term Certificates Rate Table (24 Months)** cd_24mo | — APY | 3.66% | 24 mo | Standard | | **EasyStart Certificates Rate Table (18 Months)** cd_18mo | 3.70% APY | 3.63% | 18 mo | Standard | | **Long Term Certificates Rate Table (3 Years)** cd_36mo | — APY | 3.75% | 36 mo | Standard | | **Long Term Certificates Rate Table (7 Years)** cd_84mo | — APY | 3.85% | 84 mo | Standard | | **Long Term Certificates Rate Table (5 Years)** cd_60mo | — APY | 3.85% | 60 mo | Standard | | **EasyStart Certificates Rate Table (12 Months)** cd_12mo | 4.00% APY | 3.92% | 12 mo | Standard | | **Short Term Certificates Rate Table (12 Months)** cd_12mo | — APY | 4.05% | 12 mo | Standard | | **Special EasyStart Certificate Footnote [1]** cd_12mo | — APY | 4.26% | 12 mo | Standard | Navy Federal Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Navy Federal Credit Union offers mortgage rates from 6.323% APR. Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union) , verified from [Navy Federal Credit Union's official website](https://www.navyfederal.org/) Loading branch locator… ## About Navy Federal Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 15.4M Assets $203.6B Founded 1947 Locations reported 383 NCUA charter 5536 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Northwest** Vienna Branch · Vienna · VA · 22180 About 0.7 miles away](https://rateapi.dev/credit-unions/virginia/northwest) [**Healthcare Systems** Administration · Fairfax · VA · 22031 About 2.4 miles away](https://rateapi.dev/credit-unions/virginia/healthcare-systems) [**Northrop Grumman** Falls Church · Falls Church · VA · 22042 About 2.6 miles away](https://rateapi.dev/credit-unions/california/northrop-grumman) [**Wright Patman Congressional** Oakton · Oakton · VA · 22124 About 3.1 miles away](https://rateapi.dev/credit-unions/district-of-columbia/wright-patman-congressional) [**Alloy** Fedcomp · Fairfax · VA · 22030 About 3.4 miles away](https://rateapi.dev/credit-unions/west-virginia/alloy) [**Christiansted** FEDCOMP, INC. · FAIRFAX · VA · 22030-2255 About 3.4 miles away](https://rateapi.dev/credit-unions/virgin-islands/christiansted) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Navy Federal Credit Union Membership eligibility from Navy Federal Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Navy Federal Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Department of Defense - Occupation federal_government_employee Verified from [Navy Federal Credit Union's membership page](https://www.navyfederal.org/membership/eligibility.html) . Final membership determination is always made by the credit union. ## Membership rules for Navy Federal Credit Union Employers 4 · Military 3 · Family 2 9 published paths to membership, last verified October 18, 2026, quoted from Navy Federal Credit Union’s own published criteria. ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 18, 2026 - Occupation - Work Location DoD installations (as written on the source page) “U.S. Government employees assigned to DoD installations” > [source ↗](https://www.navyfederal.org/membership/eligibility.html) - Occupation: federal_government_employee and Assigned to DoD installations - Employee of Department of Defense “DoD civilian employees” > [source ↗](https://www.navyfederal.org/membership/eligibility.html) - Employee of Department of Defense - Contractor of Department of Defense - Work Location U.S. Government installations (as written on the source page) “DoD contractors assigned to U.S. Government installations” > [source ↗](https://www.navyfederal.org/membership/eligibility.html) - Contractor for Department of Defense and Assigned to U.S. Government installations - Retired employee of Department of Defense “DoD civilian retirees and annuitants” > [source ↗](https://www.navyfederal.org/membership/eligibility.html) - Retiree of Department of Defense ### Military 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 18, 2026 - Military affiliation “Our field of membership is open to the armed forces, the DoD, veterans and their families.” > [source ↗](https://www.navyfederal.org/) - Military: active duty - Military affiliation “Our field of membership is open to the armed forces, the DoD, veterans and their families.” > [source ↗](https://www.navyfederal.org/) - Military: veterans - Military affiliation “This category includes: Active Duty members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard and Space Force Delayed Entry Program (DEP) DoD Officer Candidate/ROTC DoD Reservists Veterans, retirees and annuitants” > [source ↗](https://www.navyfederal.org/membership/eligibility.html) - Military: retirees ### Family 2 Human-reviewed quoted from the credit union’s own published criteria · last verified October 18, 2026 - Family of a member parent, grandparent, spouse, sibling, child, grandchild “Immediate family members include: Parents Grandparents Spouses Siblings Children (including adopted and stepchildren) Grandchildren” > [source ↗](https://www.navyfederal.org/membership/eligibility.html) - Family member (parent, grandparent, spouse, sibling, child, grandchild) of a member - Family of a member household member “Household members” > [source ↗](https://www.navyfederal.org/membership/eligibility.html) - Family member (household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Navy Federal Credit Union? Yes No ## Work at Navy Federal Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Navy Federal Credit Union ranks against Virginia peers. - See which AI assistants fetched Navy Federal Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Virginia - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=navy-federal-credit-union&state=virginia&code=VA&name=Navy%20Federal%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Navy Federal Credit Union offer? Navy Federal Credit Union currently offers mortgage, and Auto loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Navy Federal Credit Union rates updated? RateAPI verifies Navy Federal Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Navy Federal Credit Union's rate data? Rate data is collected directly from Navy Federal Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Navy Federal Credit Union's mortgage rate? As of November 12, 2026, Navy Federal Credit Union offers mortgage rates from 6.323% APR. ### What is Navy Federal Credit Union's best CD rate? As of November 12, 2026, Navy Federal Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join Navy Federal Credit Union? Navy Federal Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 4 employers and 3 military for Navy Federal Credit Union, each quoted from Navy Federal Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Navy Federal Credit Union's rates against national credit-union benchmarks. [More Virginia credit unions](https://rateapi.dev/credit-unions/virginia) [Virginia mortgage rate leaders](https://rateapi.dev/mortgage-rates/virginia) [Virginia auto loan rate leaders](https://rateapi.dev/auto-loan-rates/virginia) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.navyfederal.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Navy Federal Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Virginia credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Navy Federal Credit Union curl "https://api.rateapi.dev/credit-unions/virginia /navy-federal-credit-union " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Navy Federal Credit Union locations Search, filter, and browse all 383 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/virginia/navy-federal-credit-union Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp