Navy Federal Credit Union credit card terms
Credit union · 7 products surveyed · CFPB TCCP survey, Jul-Dec 2025
Navy Federal Credit Union reported a surveyed purchase APR of 10.49% – 18% (median 16.45%) to the CFPB Terms of Credit Card Plans survey, across 7 products. As a credit union, its cards are capped at an 18% APR by federal law. Annual fees on surveyed cards: $49. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Navy Federal Credit Union surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 10.49% – 18% |
| Median purchase APR | 16.45% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 18% |
| Annual fee | $49 |
| Late fee (median) | $20 |
| Secured card offered | Yes |
| Products surveyed | 7 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Navy Federal Credit Union did not report that field in the survey.
Navy Federal Credit Union purchase APR by credit tier
Median purchase APR Navy Federal Credit Union reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 18% |
| Good credit (620-719) | 18% |
| Great credit (720+) | 18% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Navy Federal Credit Union compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Navy Federal Credit Union's median of 16.45% sits around or below the 21% national average APR.
Similar issuers (credit union)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Navy Federal Credit Union (this issuer) | 10.49% – 18% | 16.45% | $49 |
| United Savings Credit Union | 12.25% – 21.25% | 16.42% | — |
| Associated Healthcare Credit Union | 12.99% – 17.99% | 16.49% | — |
| Eastrise Federal Credit Union | 11% – 18% | 16.5% | — |
| Tidemark Federal Credit Union | 11.5% – 18% | 16.4% | — |
| Firstmark Credit Union | 15.25% – 18% | 16.25% | — |
| One Nevada Credit Union | 11.75% – 20.75% | 16.25% | — |
United Savings Credit Union · Associated Healthcare Credit Union · Eastrise Federal Credit Union · Tidemark Federal Credit Union · Firstmark Credit Union · One Nevada Credit Union
Frequently asked questions
What is Navy Federal Credit Union's credit card APR?
Navy Federal Credit Union reported a purchase APR of 10.49% – 18% to the CFPB Terms of Credit Card Plans survey (median 16.45%), across 7 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Navy Federal Credit Union charge an annual fee?
Navy Federal Credit Union's surveyed cards carry an annual fee of $49. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is Navy Federal Credit Union a good choice for a low APR?
Navy Federal Credit Union is a credit union, and federal credit unions are capped at an 18% APR by law - so its rates (10.49% – 18%) tend to undercut large banks. The CFPB found small banks and credit unions charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) less than large issuers for the same credit tier.
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Sources & accuracy
Terms reported by Navy Federal Credit Union (Navy Federal Credit Union) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29