Navy Federal Credit Union
militaryMilitary, DoD civilians, veterans, and immediate family.
Current posted rates
Scraped weekly from Navy Federal Credit Union's public rate sheet. Lowest purchase rate per product shown.
| Loan | Term | Rate | APR | Points | Est. 5-yr cost | As of |
|---|---|---|---|---|---|---|
| Conventional | 30-yr | 6.125% | 6.268% | 0.50 | $147,827 | 7h ago |
| Conventional | 15-yr | 5.500% | 5.714% | 0.38 | $197,620 | 7h ago |
| Jumbo | 30-yr | 6.375% | 6.520% | 0.50 | $151,729 | 7h ago |
| Jumbo | 15-yr | 6.000% | 6.217% | 0.38 | $204,046 | 7h ago |
Posted rates are Navy Federal Credit Union's advertised numbers and assume their fine-print conditions (credit, LTV, points). "Est. 5-yr cost" = points paid upfront plus principal & interest over 5 years on a $400,000 loan, so you can compare a rate's true cost including its points — use the calculator for your own numbers. Your quote may differ. Not financial advice.
How to actually get this rate
A posted rate is a starting point, not a guarantee. Here's the real path.
- 1Confirm you can join Navy Federal Credit Union
You must be a member to get a loan. Check the eligibility path — many credit unions let anyone join through a small association donation. See how to join →
- 2Get pre-approved — and shop 2–3 lenders
Pre-approval tells you the rate youactually qualify for (the posted rate assumes strong credit and 20% down). It doesn't lock you in or cost anything, and rate-shopping within a ~45-day window counts as a single credit inquiry — so get quotes from this credit union and a couple of others before deciding.
- 3Have your paperwork ready
Speeds up pre-approval: recent pay stubs (last 30 days), W-2s and tax returns (last 2 years), bank/asset statements (last 2 months), and a photo ID. Self-employed? Add profit-and-loss statements.
Got a quote already? See how it compares to real borrowers — or use the calculator to price your monthly payment. Not financial advice.
About this page
RatePerch independently scrapes Navy Federal Credit Union's public rate sheet every Monday and archives every change — we have no referral, advertising, or lead-generation relationship with Navy Federal Credit Union or any lender. Spot an eligibility error? Report it from the directory. Full methodology on the methodology page.