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    Home state: Virginia
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    NAVY FEDERAL CREDIT UNION mortgage rates

    NAVY FEDERAL CREDIT UNION's lowest publicly advertised 30-year fixed rate today is 6.772% APR — the national average is 7.147%. That's about $36,206 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read NAVY FEDERAL CREDIT UNION's rates every weekday, starting around 11 a.m. Central.

    We last read NAVY FEDERAL CREDIT UNION's rates page on Nov 2, 2026. NAVY FEDERAL CREDIT UNION dates its published rate sheet Nov 2, 2026.

    Today's rates from NAVY FEDERAL CREDIT UNION

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.625%6.772%0.5Nov 2, 2026Visit
    15 Year Fixed6.125%6.343%0.375Nov 2, 2026Visit
    3 Year ARM5.75%6.619%0.25Nov 2, 2026Visit
    5 Year ARM6%6.578%0.25Nov 2, 2026Visit
    VA 30 Year Fixed6.125%6.584%0.75Nov 2, 2026Visit
    VA 15 Year Fixed5.625%6.323%0.5Nov 2, 2026Visit
    30 Year Fixed Jumbo6.875%7.024%0.5Nov 2, 2026Visit
    15 Year Fixed Jumbo6.625%6.846%0.375Nov 2, 2026Visit
    5 Year ARM Jumbo6%6.578%0.25Nov 2, 2026Visit
    3 Year ARM Jumbo5.75%6.618%0.25Nov 2, 2026Visit
    Visit NAVY FEDERAL CREDIT UNION's rates page

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join NAVY FEDERAL CREDIT UNION

    Membership in Navy Federal Credit Union is open to active duty, retired, and veteran members of the Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard, and Space Force. Department of Defense (DoD) civilians, including employees, contractors, retirees, and annuitants, are also eligible. Immediate family members of eligible individuals, including spouses, siblings, parents, children (including adopted and stepchildren), grandparents, and grandchildren, can also join. Household members of eligible individuals are also able to join.

    Employer
    Department of Defense
    Military / veteran
    US Army, US Marine Corps, US Navy, US Air Force, US Coast Guard, US Space Force, National Guard

    Where NAVY FEDERAL CREDIT UNION writes mortgages

    NAVY FEDERAL CREDIT UNION publishes mortgage lending in 1 state.

    Virginia

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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