NFCUCredit Union
Latest Navy Federal Credit Union Interest Rates - September 2026
Navy Federal Credit Union
1-Year CD: 3.7% Mortgage APR: 6.25% Prime Rate: 6.75%
Interest Rate Summary
Navy Federal Credit Union Interest Rates & Retail Products Overview
Quick Summary: Official interest rates, deposit yields, and consumer credit products published by Navy Federal Credit Union (NFCU) for military members, veterans, defense personnel, and their families:
Key Benchmark & Deposit Solutions:
- Reference Prime Rate: Standing at 6.75%, indexing floating-rate lending products, variable card purchase APRs, and personal credit lines.
- Savings & Certificates: Standard Share Savings earns a base 0.25% APY with just a $5 minimum balance. Standard Fixed-Rate Share Certificates offer competitive yields including 1.25% APY (3-month), 3.70% APY (12-month), 3.80% APY (18-month), and 3.50% to 3.80% APY (24 to 36-month terms), alongside special 12-month EasyStart Certificates yielding up to 4.00% APY ($50 minimum opening deposit).
Consumer Loans & Retail Financing:
- Mortgage Loans: Standard 30-Year Conventional Fixed home purchase rates start around 6.250% (approx. 6.415% APR), alongside VA Loans (starting at 5.500% / 6.196% APR) and Homebuyers Choice 100% financing loans (7.125%), featuring loan terms up to 30 years, zero prepayment penalties, no mandatory private mortgage insurance (PMI) on eligible proprietary products, and the unique *No-Refi Rate Drop* option.
- Auto Financing: New vehicle auto loans start as low as 3.89% APR (up to 36 months) and 4.29% APR (37–60 months), with terms extending up to 96 months (8 years) for qualifying late-model vehicles.
- Personal Loans: Unsecured personal installment loans range from 8.74% to 18.00% APR for loan amounts from $250 to $50,000 across terms up to 60 months, with no application or prepayment fees.
- Credit Cards: Consumer credit cards feature an industry-leading variable purchase APR floor, with the Navy Federal Platinum Card starting as low as 10.24% APR (and cashRewards / Flagship Rewards starting at 14.15% to 14.74% APR, capped at 18.00% maximum APR) with a 25-day grace period.
💡 Financial Tip: Membership eligibility requires affiliation with the armed forces, Department of Defense, or immediate family members of qualifying personnel. Rate discounts and preapprovals can be secured directly through NavyFederal.org.
CD & Savings Interest Rates - NFCU
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 0.25% | 0.25% |
| 1 Month | - | 0% |
| 3 Months | 1.25% | 1.25% |
| 6 Months | - | 0% |
| 12 Months (Benchmark ⭐) | 3.7% | 3.7% |
| 24 Months | 3.5% | 3.5% |
| 36 Months | 3.8% | 3.8% |
Featured Loan Products - NFCU
Loan Guide & Terms →mortgageNFCU
6.25% /yr
- • Promo period: 12 months
- • Max loan term: 30 years
- • Max borrowing limit: 100% of value
- • Formula: SOFR + margin
auto loanNFCU
3.89% /yr
- • Max loan term: 8 years
- • Max borrowing limit: 80% of value
personal loanNFCU
8.74% /yr
- • Max loan term: 5 years
student loanNFCU
6.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for Navy Federal Credit Union
Simulate monthly principal and interest payments at 6.25%/yr APR for NFCU with detailed amortization schedule and Excel export.