Navy Federal Credit Union
820 Follin Lane
Vienna, VA 22180
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ACH 256074974
Phone 1-888-842-6328
2023 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 $156549.07 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 | $156,549.07 million |
| Loans | $105,535.08 million |
| Deposits | $135,318.21 million |
| Capital | $18,695.77 million |
Field of Membership Restrictions
Deposit Rates - March 20, 2023
Your Current Location: Virginia, VA 20146
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Share Savings
|
0.25% | $5 | - |
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|
|
Money Market
|
1.50% | $50,000 | - |
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|
|
Money Market
|
1.65% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month Standard
|
1.25% | $1,000 | - |
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|
| 3 Month Standard
|
1.25% | $20,000 | - |
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|
| 3 Month Standard
|
1.30% | $100,000 | - |
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|
| 6 Months EasyStart
|
0.40% | $50 | - |
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|
| 6 Month Standard
|
0.45% | $1,000 | - |
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|
| 6 Month Standard
|
0.45% | $20,000 | - |
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|
| 6 Month Standard
|
0.50% | $100,000 | - |
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|
| 12 Months Special EasyStart Certificate
|
4.85% | $50 | $3,000 |
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|
| 12 Month Standard
|
4.40% | $1,000 | - |
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|
| 12 Month Standard
|
4.40% | $20,000 | - |
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|
| 12 Month Standard
|
4.45% | $100,000 | - |
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|
| 15 Months Special EasyStart Certificate
|
5.00% | $50 | $250,000 |
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|
| 18 Months EasyStart
|
3.80% | $50 | - |
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|
| 18 Month Standard
|
3.85% | $1,000 | - |
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|
| 18 Month Standard
|
3.85% | $20,000 | - |
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|
| 18 Month Standard
|
3.90% | $100,000 | - |
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|
| 24 Months EasyStart
|
4.15% | $50 | - |
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|
| 24 Month Standard
|
4.20% | $1,000 | - |
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| 24 Month Standard
|
4.20% | $20,000 | - |
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| 24 Month Standard
|
4.25% | $100,000 | - |
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|
| 3 Years Standard
|
4.20% | $1,000 | - |
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| 3 Years Standard
|
4.25% | $100,000 | - |
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| 5 Years Standard
|
4.20% | $1,000 | - |
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|
| 5 Years Standard
|
4.25% | $100,000 | - |
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|
| 7 Years Standard
|
4.20% | $1,000 | - |
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|
| 7 Years Standard
|
4.25% | $100,000 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Money Market Savings ESA
|
1.50% | $50,000 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Flagship Checking
|
0.45% | $25,000 | - | Learn More |
Loan Rates - March 20, 2023
Your Current Location: Virginia, VA 20146
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.75% | 5.75% | Varies | |
Compare with RATE Line of Credit from New American Funding, LLC
See All Home Equity Rates |
||||
| 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 APR and 30-Year Fixed RATE from Eligibility.org
See All Mortgage Rates |
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| 30 Year Fixed Conforming See Amortization Table |
7.43% | 7.25% | $1,705.44 | |
|
Compare with APR and 30-Year Fixed RATE from Eligibility.org
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:
Ashburn,Virginia
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 |
|---|---|
| 4.52% | 4.63 |
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 September 30, 2022, Navy Federal Credit Union had $910,671,019 in non-current loans and $21,792,798 in owned assets. To cover these potential losses it had $18,695,772,742 in net worth and $1,939,417,684 in loans loss reserves. That gives it a Texas Ratio of 4.52%.
Net Worth
| Navy Federal Credit Union | U.S. Average |
|---|---|
| 11.94% | 12.52% |
Navy Federal Credit Union FCU has a net worth of 11.94% versus the BestCashCow average of 12.52. 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
Amanda Frank
February 25, 2023 |
HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They took our information for their "investigation." They never returned our calls or messages for months. Finally notified us after about 6 months we are responsible for this hack- we had nothing to do with this. They won't even release any information regarding "investigation" without a subpoena- thus we are having our lawyer send them one so we can fight this. DO NOT USE NAVY FEDERAL!!!!!!
Is this review helpful? Yes:0 / No: 1
donbilla
January 28, 2023 |
Wake up guys they now have a special that is special Check it out!
Is this review helpful? Yes:1 / No: 1
Chief Paul
October 6, 2022 |
I've been a member for 38+ years, so I believe what I say carries some weight. In recent months I have seen the interest rates go up and up for Mortgages, Personal Loans and Vehicle Loans. But! I don't see the rates that are paid for any of NFCU's Savings instruments. It's like they use a match for loan rates going up and ice cubes for savings rates going up. $100K+ should be paying more than 3.25%. The Federal 2 year Treasury Bills are paying 4%+. With us, the members, supposedly owners of NFCU, shouldn't we share with more of the profit?
Is this review helpful? Yes:5 / No: 0
Dev1ldog
October 4, 2022 |
39 years a member and this is not the credit union I remember. It doesn’t feel like the military is the mission or even close. Credits cards (rates & cashback), loan rates, dividends are always behind other financial organizations, which is why my business goes elsewhere. My loyalty has moved on.
Is this review helpful? Yes:3 / No: 0
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:5 / No: 1
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