Navy Federal Credit Union Mortgage Rates
Navy Federal Credit Union currently offers a 30-year fixed mortgage at 7.458% APR, 0.88 points above the national average. Navy Federal Credit Union publishes rates for 5 loan products. Rates last updated July 26, 2026.
| Product | Rate | APR | Points |
|---|---|---|---|
| 30-Year Fixed | 7.13% | 7.46% | 0.50 |
| 15-Year Fixed | 5.63% | 5.84% | 0.38 |
| 5/5 ARM | 5.63% | 6.13% | 0.25 |
| VA 30-Year | 5.88% | 6.31% | 0.63 |
| VA 15-Year | 5.50% | 6.20% | 0.50 |
Navy Federal Credit Union Eligibility
Active duty, retired, and veteran servicemembers of all branches. DoD civilian employees and contractors. Immediate family members (parents, grandparents, spouses, siblings, children, grandchildren) and household members (even roommates in some reports) of current members also qualify.
Openness: exclusive
