COVID-19 Response

NavyArmy Community Credit Union is committed to the health of our members and employees. Due to the uncertainty of COVID-19, we are taking extra measures of protection.

For the well-being of our members and employees all lobbies will be temporarily closed effective March 25, 2020 – until further notice. All drive thru locations will be open during normal business hours.

We provide a number of convenient services that allow you to manage your accounts remotely from a computer or mobile device. If you have issues with any of these services, please call our Contact Center during business hours (Monday thru Friday 8 am – 5 pm and Saturday 9 am – 1 pm) at 361-986-4500 or toll-free at 1-800-622-3631. We are operating regular business hours; however our Contact Center is currently experiencing higher than normal wait times.

The following services are available 24/7 to manage your finances remotely:

  • Online Banking: Check balances, pay bills, transfer funds between accounts, make loan payments, and more.
    Click here to register for online banking access.
     Learn More.
  • Mobile App: Deposit checks, check balances, review account history, pay bills,  make loan payments and more. Learn More.
  • Branch ATMs: All NavyArmy ATMs accept deposits of cash and checks, and are available 24/7 for your convenience.
    For a list of branch ATMs, visit our locations.
  • Bank By Phone: Call (361) 986-4555  or 800-622-3631 for 24-hour access to account inquiries, including balance and transfers. Learn More.

Loan Payments

In an effort to assist our members, we are offering to skip eligible loans.

Auto Loans | Personal Loans | Recreational Vehicle – Skip payments for 90 Days. The easiest way to activate your Skip-A-Pay is to log in to your Online Banking and select “Skip A Pay” on the left menu bar, and follow prompts. If you do not have Online Banking, click here to enroll.

For possible extensions or deferred payments, please call our Contact Center at 361-986-4500 or toll-free at 1-800-622-3631.

For Home Loan Payment Assistance please click here.

For Credit Card assistance, please call 1-855-693-9975.

Please note: All COVID-19 loan payment assistance requests are subject to credit union approval.

Business Accounts

If you need assistance or have a specific question, call 361-986-4500, ext. 1014 or email
Please see the information below for Government Guaranteed Programs or visit

SBA Economic Injury Disaster Loan (EIDL):
1.  Loan application (SBA Form 5), completed and signed
2.  Tax Information Authorization (IRS Form 4506-T), completed and signed by each applicant, each principal owning 20% or more of the applicant business, each general partner or managing member; and, for any owner who has more than 50% ownership in an affiliate business. Affiliates include, but are not limited to, business parents, subsidiaries, and/or other businesses with common ownership or management
3.  Complete copies, including all schedules, of the most recently filed Federal income tax returns for the applicant business; an explanation if not available
4.  Personal Financial Statement (SBA Form 413) completed, signed, and dated by the applicant, each principal owning 20 percent or more of the applicant business, and each general partner or managing member
5.  Schedule of Liabilities listing all fixed debts (SBA Form 2202 may be used)

The CARES Act – Paycheck Protection Program (PPP)
NavyArmy is currently waiting for the federal government to finalize the details of this program, but if you believe that you will qualify, here is the information that you will need to submit:
1.  2019 Payroll — including the last 12 months of payroll
2.  2019 Employees — 1099’s for 2019 employees and independent contractors that would otherwise be an employee of your business. (Note: Do NOT include 1099’s for services)
3.  Healthcare costs — all health insurance premiums paid by the business owner under a group health plan.
4.  Retirement — your company retirement plan funding paid for by the company.
Click Here for PPP Fact Sheet
Click Here for PPP Application
Click Here to View Small Business Interruption Loan Preliminary Template

For a quick comparison chart, click here.

Please note: All COVID-19 loan payment assistance requests are subject to credit union approval.

Drive Thru Lanes

All drive thru lanes are currently OPEN and available during business hours.

In addition to normal transactions, members will be able to perform expanded services such as: Cashier’s Checks, Money Orders, Credit Card Cash Advances, Request Instant Issue Debit Cards, and Perform Account Maintenance. Cash limits apply at this time.

Online Banking & Mobile Banking

Online Banking and Mobile Banking services are highly encouraged.
Mobile Check Deposits made by 2:00 PM will be available the same business day by 7:00 PM Monday – Friday.

Debit Cards

Members will be able to request debit cards through our drive thru lanes. Requests  can also be made during business hours by calling our Contact Center at 361-986-4500 or toll-free at 1-800-622-3631.


All NavyArmy ATMS are able to accept deposits and available for withdrawals.
ATM deposited funds will be available immediately. *Limits do apply

Branch Lobby Closures

All NavyArmy lobby branches are temporarily closed effective Wednesday, March 25.
Drive Thru lanes are available at all locations with the exception of our Rockport Location- 2207 N. Hwy 35, Ste. E and our  McAllen Location- 4015 North 10th.

Shared Branching

NavyArmy members can conduct transactions at hundreds of locations throughout the country. Visit the CO-OPs CU Locator site to find a participating shared branching site. Some participating locations may be temporarily closed or suspended.

Lobby Appointments

Real Estate Closings and Safety Deposit access will be available with a scheduled appointment. Please call 1-800-622-3631 to schedule an appointment. If you are visiting a NavyArmy branch, please follow the recommendations provided by the CDC to ensure the safety of all parties.

Protect yourself from cyber scams

It is important to note that if we reach out to you, we will NEVER ask for confidential information such as your name, password, personal identification number (PIN) or other account information. You can review the Federal Trade Commission’s advice for consumers to protect yourself from scams.

Overview of Available Services


Drive Thru




Withdrawals YES YES YES YES
Cashier’s Checks YES NO NO NO
Money Orders YES NO NO NO
Credit Card Cash Advances YES NO NO NO
Loan Payments YES YES YES NO
Instant Issue Debit Cards YES NO NO NO
Mailed Request Debit Cards YES NO YES NO
Transfer Funds YES YES YES YES
Online Banking Setup/
Password Help
Account Questions YES YES YES NO
Account Maintenance YES YES YES NO

*Funds Availability Policy still applies.