Loan Rates

Get Greater Than the Average Bank.

At NavyArmy, you'll enjoy the most competitive rates and lowest fees on auto loans, personal loans and mortgage loans.


Auto Loan Rates

As of 10/1/2021

Term APR*
0 - 75 Months 2.99† - 16.49%


Recreational Vehicle Loan Rates

As of 10/1/2021

Term APR*
0-75 Months 2.99†- 16.49%
76-144 Months 5.99†-17.49%


Personal Loan Rates

As of 10/1/2021

Term APR*
0 - 48 Months 9.50 - 17.75%


Deposit Secured

As of 10/1/2021

Term APR*
0 - 36 Months 4.50
37 - 48 Months 5.50
CD CD Rate +2%^


Home Loan Rates

As of 10/1/2021

Account Type Term Interest Rate (as low as) APR* (as low as)
Homestead - Home Purchase 15 Year 3.000 3.178
Homestead - Home Purchase 20 Year 3.250 3.389
Homestead - Home Purchase 30 Year 3.500 3.600
Homestead - Refinance/Cash Out Refinance 15 Year 3.000 3.178
Homestead - Refinance/Cash Out Refinance 30 Year 3.500 3.600
Second Lien Refi/Cash Out Refinance 15 Year 4.500 4.704
Land / Lot Loan 10 Year 5.00 5.295
Construction to Perm One Time Close 15 Year 3.000 3.159
Construction to Perm One Time Close 30 Year 3.500 3.589
Jumbo ($548,250-$749,999) 15 Year 3.000 3.178
Jumbo ($548,250-$749,999) 30 Year 3.500 3.600
Super Jumbo ($750,000 ) 15 Year 4.000 4.063
Super Jumbo ($750,000 ) 30 Year 4.500 4.537



Homestead Purchase Example

Loan Amount $150,000
Interest Rate 3.00%
Loan Term 30 Years
Total Closing Costs $1,864.00
Initial Monthly Payment $673.57
APR 3.600%

Homestead Refi / Cash Out Refi Example

Loan Amount $100,000
Interest Rate 3.00%
Loan Term 15 Years
Total Closing Costs $1,364.00
Initial Monthly Payment $690.58
APR 3.195%

The Purchase, Refinance and Texas Cash Out examples are based on a LTV < 80%, credit score > 740 and include a standard origination fee. Payment examples do not include taxes, home owners or private mortgage insurance premiums. The total mortgage payment may be greater than what is shown.


  • Information displayed is accurate as of the date of the latest update and is subject to change without notice. Loan pricing can only be locked through a Real Estate Application. Please contact the Real Estate Center for more pricing details. Other restrictions may apply.
  • Origination Fee = 1.0% of loan amount on Non Jumbo Loans.
  • NavyArmy  will NOT subordinate our lien. 1st Lien must be with NavyArmy in order to attain 2nd Lien Home Equity or Home Improvement loan.
  • Member Business Loans (Non-Homestead /Purchase/Refinance/Equity) - Please contact our Member Business Loan Department for more information. 361-986-4500, ext.1014


* APR = Annual Percentage Rate
** APY = Annual Percentage Yield
† No Discounts Apply / 75 Month Maximum Term May Apply
^ Annual percentage rate may vary

The APY assumes that funds remain on deposit at least one full year. A withdrawal will reduce earnings. We use the Average Daily Balance method to calculate dividends on
your account.

  1. Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield (APY) are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Note: not applicable for Certificate of Deposit (Term Share) Accounts.
  2. Early Withdrawal Penalty for Certificate of Deposit Accounts: We may impose a penalty if you withdraw any of the principal before the maturity date, or the renewal date, if
    this is a renewable account.
  3. Rate information: The Dividend Rate and APY on your accounts are set forth above. The APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. Withdrawal of dividends or early withdrawal of principal will reduce the APY. The Dividend Rate and APY may change at any time.
  4. Fixed Annual Percentage Rate (APR) listed above is the Credit Union's standard rate. Rate may vary depending on each borrower's credit history and underwriting factors.