Navy Federal Credit Union
820 Follin Lane
Vienna, VA 22180
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ACH 256074974
Phone 1-888-842-6328
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
Deposit Rates - October 2, 2022
Your Current Location: California, CA 92111
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| SAV
|
0.25% | $5 | - |
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|
|
Money Market
|
0.45% | $10,000 | $24,999 |
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|
Money Market
|
0.45% | $25,000 | $49,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Mo CD
|
0.40% | $1,000 | - |
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|
| 3 Mo CD
|
0.40% | $100,000 | - |
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|
| 6 Mo CD
|
0.50% | $1,000 | - |
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|
| 6 Mo CD
|
0.50% | $100,000 | - |
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|
| 12 Mo CD
|
2.35% | $1,000 | - |
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|
| 12 Month CD
|
2.35% | $100,000 | - |
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|
| 18 Month CD
|
2.30% | $1,000 | - |
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| 18 Month CD
|
2.30% | $100,000 | - |
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|
| 2 Year CD
|
2.30% | $1,000 | - |
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|
| 24 Month CD
|
2.30% | $100,000 | - |
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|
| 36 Mo CD
|
2.75% | $1,000 | - |
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|
| 36 Mo CD
|
2.75% | $100,000 | - |
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|
| 60 Mo CD
|
2.85% | $20,000 | - |
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|
| 60 Month CD
|
2.85% | $100,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.00% | $0 | $2,499 | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.35% | $1 | $9,999 | Learn More |
Loan Rates - October 2, 2022
Your Current Location: California, CA 92111
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.75% | 5.75% | Varies | |
Compare with RATE Line of Credit from Figure Home Equity Line
See All Home Equity Rates |
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| 10 Year Loan
See Table |
6.05% | 6.05% | $556.36 | |
| 15 Year Loan
See Table |
6.35% | 6.35% | $431.44 | |
| 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 | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
6.84% | 6.63% | $2,194.98 | |
| 15 Year Fixed Conforming See Amortization Table |
6.84% | 6.63% | $2,194.98 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.30% | 7.13% | $1,684.30 | |
| 30 Year Fixed Conforming See Amortization Table |
7.43% | 7.25% | $1,705.44 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 15 Year Fixed Jumbo See Amortization Table |
6.84% | 6.63% | $2,194.98 | |
| 15 Year Fixed Conforming See Amortization Table |
6.84% | 6.63% | $2,194.98 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.30% | 7.13% | $1,684.30 | |
Compare with 6.477% APR and 6.375% 30-Year Fixed RATE from AimLoan.com
See All Mortgage Rates |
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| 30 Year Fixed Conforming See Amortization Table |
7.43% | 7.25% | $1,705.44 | |
|
Compare with 6.477% APR and 6.375% 30-Year Fixed RATE from AimLoan.com
See All Mortgage Rates |
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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.
Branches
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
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.
Customer Reviews for NAVY FEDERAL CREDIT UNION
Bill
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!!!
Is this review helpful? Yes:0 / No: 0
Chief Paul
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.
Is this review helpful? Yes:0 / No: 0
Capt JimPat
March 6, 2020 |
Easiest financial institution I have ever used
Is this review helpful? Yes:3 / No: 0
Heronva
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.
Is this review helpful? Yes:5 / No: 0
RRS
August 27, 2019
The rate dropped to 3.25% on 8-16-19.
Is this review helpful? Yes:6 / No: 1
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