Navy Federal Credit Union
Navy Federal Credit Union


With no hidden fees, the rates on our home equity loans are among the lowest you'll find anywhere.

Compare All Equity Loans

Fixed-Rate Equity Loan

Enjoy a fixed rate for the life of your loan with payment amounts that never change. You receive the entire loan amount at closing.
(Some restrictions apply in Texas.)

  • 0.25% rate discount with automatic payments1
  • Repayment term up to 20 years2
  • Borrow up to 95%3 of the property value
  • Pay no lender closing costs on your Equity Loans4

1. Rate discount is applied after your application has been accepted. Discount is available for new Equity Loan 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% APR discount will be removed and your loan will revert to the original note rate.

2. Rates as low as 4.240% APR and are based on creditworthiness; your rate may differ. A sample Fixed Equity Loan payment based on $100,000 at 6.50% APR for 20 years is $745.57.

3. Some restrictions may apply. The maximum combined loan-to-value for investment properties is 70%.

4. Limited-time offer. Navy Federal will pay closing costs (excluding government recording charges and title insurance) on new Equity Loan applications (Fixed Equity Loans/Lines of Credit). Loans paid off and closed in less than 3 years from the loan origination date will require reimbursement of all closing costs paid by Navy Federal. For loan amounts up to $250,000, closing costs typically range between $150 and $900. The closing costs depend on the location of the property and the amount of the Equity Loan. Offer excludes Equity Loans/Lines of Credit used for a home purchase and the appraisal fee, if an appraisal is necessary.

  • Mortgages5/5 ARM as low as+
  • Auto Loansas low as+
  • Certificatesas high as
  • Checkingas high as
  • Credit Cardsas low as++
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