Latest Navy Federal Credit Union Interest Rates - September 2026

Navy Federal Credit Union Interest Rates & Loan Products Overview

Quick Summary: Key benchmark reference rates, member share deposit yields, and financing solutions published by Navy Federal Credit Union (NFCU):

Featured Rates & Products:

• Deposit Accounts & Share Certificates: The standard Membership Share Savings account yields 0.25% APY, while standard fixed-rate Share Certificates yield 1.25% APY (3-month), 3.70% APY (12-month), and 3.80% APY (18-month and 36-month). The Special EasyStart Certificate offers an enhanced 4.00% APY (+0.30% APY bonus) for 12 months with a linked checking account and direct deposit.
• Mortgage Loans: 30-Year Fixed purchase conventional mortgage interest rates start around 6.625% (6.809% APR with 0.875 discount points), featuring 100% financing options via the Homebuyers Choice program with 0% down payment (100% LTV), no private mortgage insurance (PMI), and no prepayment penalties.
• Auto Financing: Vehicle financing rates start as low as 3.89% APR for new vehicles (up to 36 months) and 4.79% APR for used vehicles, with extended repayment terms available up to 96 months.
• Personal Loans: Unsecured personal installment loans are offered from $250 up to $50,000 with fixed APRs starting from 8.74% to 18.00% (capped at 18.00% under federal credit union regulations) with no application, origination, or prepayment fees.
• Credit Cards: The Navy Federal Platinum Credit Card offers industry-low variable purchase APRs starting from 10.24% to 18.00% with no annual fee and a 25-day grace period.
• Benchmark Index: The reference Wall Street Journal / Navy Federal Prime Lending Rate stands at 6.75%.

💡 Financial Tip: Membership in Navy Federal is open to active-duty, retired, and veteran servicemembers of the Armed Forces, DoD personnel, and their immediate family members, providing access to below-market borrowing rates and 100% LTV mortgage programs without PMI.