• Personal Guidance From First Call to Closing

    Our dedicated team is available to walk you through the process and help you make the most of your home equity loan or line of credit.

  • 0.25% Rate Discount With Automatic Payments1

    Reduce the rate on your home equity loan or line of credit when you set up automatic monthly payments from your Navy Federal checking account. This offer is only available with new applications.

  • Special Savings on Closing Costs2

    To help with the cost of closing on your home equity loan or line of credit, Navy Federal will cover most of your closing costs, including settlement, title search, and notary fees.

  • No Application or Origination Fee2 3

    At Navy Federal, we don’t charge application fees or origination fees on our equity loans.

  • Get Exclusive Offers With the Senior Enlisted Reward Program

    Senior Enlisted Personnel (E7 through E9) Active Duty or Reservists for all military branches and Coast Guard or National Guard can receive a $250 loyalty card with a new home equity loan or line of credit, plus special credit card offers and membership referral bonuses.

  • Navy Federal Servicing for the Life of Your Loan

    Navy Federal provides servicing for the life of your loan. Our stateside member reps are available to answer your questions.


1 Rate discount is applied after your application is accepted. Discount is available for new Fixed Equity Loan and Home Equity Line of Credit applications. You must set up and maintain monthly recurring automatic payments from your Navy Federal checking account for the life of the loan; otherwise, the 0.25% rate discount will be removed, and your loan will revert to the original note rate. The minimum APR that can apply during the Home Equity Line of Credit plan is 3.99%. Offer must be accepted prior to loan closing, and is subject to change or cancellation without notice.

2 Navy Federal will pay most closing costs on new Equity Loan applications (Fixed-Rate Equity Loans and Home Equity Lines of Credit), including settlement fees, flood determination fee, title search and notary fees. Offer excludes government fees and recording charges, credit report fees, taxes, and when required, appraisal fees, title insurance and any fees associated with condominium properties. Loans paid off and closed in less than three years from the loan origination date will require reimbursement of all closing costs paid by Navy Federal. Reimbursement does not apply to Texas equity loans and loans paid off with a Navy Federal equity/mortgage loan. For loan amounts of up to $250,000, closing costs that members must pay typically range between $150 and $1,200 ($250 and $1,900 in NY, ID and TX). Closing costs depend on the location of the property, property type and the amount of the Equity Loan. Offer is not valid for Fixed-Rate Equity Loans/Home Equity Lines of Credit used for a home purchase. Offer is subject to change or cancellation without notice.

3 Home Equity Lines of Credit are variable rate loans. Rates are as low as 5.00% APR with a plan maximum of 18% APR.