Navy Federal Credit Union personal loans: APR, fees and requirements
What Navy Federal Credit Union publishes about its personal loans (8.74% to 18% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
| Lender type | Credit union |
|---|---|
| APR range | 8.74% to 18.00% |
| Loan amounts | $250 to $150,000 |
| Repayment terms | Up to 180 months |
| Origination fee | None |
| Minimum credit score | Not published |
| Funding time | Most personal loans fund the same day / in 24 hours or less |
| Membership | Yes: 'You must be at least 18 years old and a Navy Federal member.' (see navyfederal.org/membership/become-a-member.html for eligibility) |
| Availability | Loans over $50,000 require a qualified co-applicant (debt consolidation loan: $250 to $50,000 for individuals). Extended terms: $25,000 minimum for 61-84 months and $30,000 minimum for 85-180 months (home improvement loan). |
How the lender states its rates: “Personal Loan rates range from 8.74% to 18.00% APR. Tiered rates: up to 36 mos. 8.74-18.00%; 37 to 60 mos. 10.69-18.00%; home improvement 61 to 180 mos. 13.29-18.00%. Rates are subject to change and based on creditworthiness.”
How the starting rate compares
The lowest advertised APR, 8.74%, ranks 18 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Similar lenders
Alliant Credit Union
Credit union
- APR
- From 9.49%
- Loan amounts
- $1,000 to $100,000
- Origination fee
- None
Patelco Credit Union
Credit union
- APR
- 6.99% to 17.90%
- Loan amounts
- $300 to $100,000
- Origination fee
- None
First Tech Federal Credit Union
Credit union
- APR
- From 11.99%
- Loan amounts
- $500 to $50,000
- Origination fee
- Varies
Checked on October 16, 2026 on the lender's website. Rates and terms change: confirm before you apply. navyfederal.org/loans-cards/personal-loans.html