Navy Federal Credit Union


820 Follin Lane
Vienna, VA 22180
See all branch locations →

ACH 256074974

Phone 1-888-842-6328

Notable Rates APY Vs.Others
Savings 0.25% 3.50% →
1-Year CD 2.35% 3.70% →
2-Year CD 2.30% 3.80% →
5-Year CD 2.85% 4.25% →
30-Year Mortgage 7.43% 6.31% →
15-Year Mortgage 6.84% 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Navy Federal Credit Union is an NCUA insured institution located in Vienna, VA. It was founded in 1947 and has approximately $160440.6 millions in assets.

Who can join?

Navy Federal's field of membership is determined by the National Credit Union Administration.

If you fall under any of these categories, you're eligible to join:

All Department of Defense (DoD) uniformed personnel—Army, Marine Corps, Navy and Air Force retirees and annuitants

All Department of Defense Reservists—Army, Marine Corps, Navy and Air Force retirees and annuitants

All Army and Air National Guard Personnel—civilian employees, retirees and annuitants

All Delayed Entry Program (DEP) Personnel

All DoD Officer Candidate programs—Midshipmen and cadets at the United States Naval Academy,

United States Military Academy, United States Air Force Academy, United States Coast Guard Academy and the United States Merchant Marine Academy; Other Officer Programs

U.S. government employees assigned to DoD installations (including Coast Guard)

All DoD civilian employees—including retirees and annuitants

DoD contractors assigned to U.S. Government installations

Family Members—including grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household members

NCUA Insured Yes / Federally Chartered
Charter Number # # 5536
Date Established 1947
Assets $160,440.60 million
Loans $96,745.04 million
Deposits $135,438.39 million
Capital $17,755.52 million

Field of Membership Restrictions

Membership in Navy Federal Credit Union is open to anyone through joining the Navy League-San Diego Council ($25 membership fee). Membership is also open to members of active duty Army, Marine Corps, Navy, Air Force, Coast Guard, Army and Air National Guard, Department of Defense Officer Candidate/ROTC, Department of Defense Reservists, retirees from military service, Department of Defense civilian employees and contractors and retirees, U.S. Government Employees Assigned to Department of Defense Installations. Membership is also open to immediate family of current members or those eligible for membership.

Deposit Rates - October 2, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.25% $5 - Learn More
Money Market
0.45% $10,000 $24,999 Learn More
Money Market
0.45% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.40% $1,000 - Learn More
3 Mo CD
0.40% $100,000 - Learn More
6 Mo CD
0.50% $1,000 - Learn More
6 Mo CD
0.50% $100,000 - Learn More
12 Mo CD
2.35% $1,000 - Learn More
12 Month CD
2.35% $100,000 - Learn More
18 Month CD
2.30% $1,000 - Learn More
18 Month CD
2.30% $100,000 - Learn More
2 Year CD
2.30% $1,000 - Learn More
24 Month CD
2.30% $100,000 - Learn More
36 Mo CD
2.75% $1,000 - Learn More
36 Mo CD
2.75% $100,000 - Learn More
60 Mo CD
2.85% $20,000 - Learn More
60 Month CD
2.85% $100,000 - Learn More
Variable IRA Rates APY MIN MAX
0.00% $0 $2,499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.35% $1 $9,999 Learn MoreShow Less

Loan Rates - October 2, 2022

Your Current Location: California, CA 92111

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
3 Year 2.99% 2.99% $726.92
4 Year 3.69% 3.69% $561.01
5 Year 3.69% 3.69% $456.92
Refinance Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.



Below are Navy Federal Credit Union branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Navy Federal Credit Union Locations

Climate Initiatives

NAVY FEDERAL CREDIT UNION is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Navy Federal Credit Union Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Navy Federal Credit Union. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Navy Federal Credit Union U.S. Average
3.85% 4.75

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2022, Navy Federal Credit Union had $734,174,853 in non-current loans and $20,689,275 in owned assets. To cover these potential losses it had $17,755,519,549 in net worth and $1,830,984,116 in loans loss reserves. That gives it a Texas Ratio of 3.85%.

Net Worth
Navy Federal Credit Union U.S. Average
11.07% 12.28%

Navy Federal Credit Union FCU has a net worth of 11.07% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.


  • September 30, 2022 |

    I have been a customer for 34 years. But I have been dismayed by NFCUs slow responsiveness to be competitive in the market place with savings rates and to offer the best rates in the market. All I see is their interest margins rising and savers getting the short end of the stick. Their savings rate is an embarrassment and for that reason I don’t keep a lot of cash there and use other institutions. Hey NFCU - your savers matter!!!

  • August 30, 2022 |

    I have been a NFCU member for 38 years and would love to able to rate NFCU with 5 stars, but I can't because of the following issues; The long wait on the phone because of there being only one number to call if I need to talk to a real person on any issue and second is the fact that NFCU does not partner with any other bank (at least in Alexandria, LA) to facilitate depositing or cashing of a check without having an account at that local bank or Credit Union or driving the 52 miles one way to Leesville, LA.

  • March 6, 2020 |

    CDs 12 Month Rates

    Easiest financial institution I have ever used

  • December 30, 2019 |

    Being a retired Marine and regular critic of NFCU, in the last two years, I have to admit the Customer Service, the dividend rates, and the overall quality of services have increased immensely. I am even considering starting a direct deposit again.

  • August 27, 2019

    CDs 60 Month Rates

    The rate dropped to 3.25% on 8-16-19.

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