Navy Army Community Credit Union

Overview / Commentary
2730 Rodd Field Rd
Corpus Christi, TX 78414

Navy Army Community Credit Union is headquartered in Corpus Christi and is the 6th largest credit union in the state of Texas. It is also the 90th largest credit union in the nation. It was established in 1955 and as of June of 2022, it had grown to 644 employees and 216,178 members at 18 locations. Navy Army Community Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Navy Army Community Credit Union is open to those who live, work, worship, or attend school in the Texas counties of Aransas, Bee, Cameron, Hidalgo, Jim Wells, Kleberg, Nueces, or San Patricio.
See current membership details

Related Posts

Libberty (Rewards) Checking Account Changes At Navyarmy Community CU - 9/9/2022

Effective 9-1-2022 NavyArmy CU made a change to it's debit card requirement qualification. It's still 10 debits, but now the monthly qualifying debit card purchase for each individual debited transaction must be a minimum of $5.00.

NavyArmy Community Credit Union (TX) Jumbo CDs Remain Competitive - 10/6/2021

NavyArmy Community Credit Union (south Texas) 1-, 2-, and 3-year Jumbo CDs ($100k minimum deposit) have maintained competitive rates for the past year.

View all posts from:

7/12/18 - NavyArmy Community Credit Union Ups 30-Month CD
4/16/18 - NavyArmy Community Credit Union (TX) Adds 30-month CD
12/25/17 - Bonus Dividend
3/2/16 - 36 Month Rate Drop
12/24/15 - NavyArmy CCU Increases Rates On 2- And 3-Year CDs
12/19/15 - Navyarmy CCU Announces 10% Bonus Dividend
12/18/14 - NavyArmy Community Credit Union paid a year-end dividend
12/13/13 - NavyArmy CCU Declares A Bonus Dividend Of 6%
9/6/13 - NavyArmy CCU (Subtly) Changed Their Second-Tier RCA Rate
8/29/13 - Hidden Benefits Of RCAs -- E.G., NavyArmy CCU
8/20/13 - NavyArmy CCU Lowers 30-Month CD Rate And Increases 24-Month CD Rate
1/9/13 - Best CD in America has a Rate Cut - Navy Army Community CU in Texas - Local Only
12/17/12 - Navy Army CCU Pays 12% Year-End Dividend
11/13/12 - Top 30-Month CD Rate Continues at Navy Army Community Credit Union in Texas - Local Only
12/8/11 - Top Mid-Term CD Rate at NavyArmy Federal Credit Union in Texas - Local Only
3/18/11 - NavyArmy FCU Rate Change For Libery Checking
8/20/10 - Top CD and Reward Checking Rates Continue at Navy Army FCU in SE Texas - Local Only
6/21/10 - Top CD, Money Market and Reward Checking Rates at NavyArmy FCU in TX - Local Only
2/17/10 - CD Deals Continue at Navy Army FCU in Corpus Christi Texas - Local Only
12/16/09 - 2.55% 24-Month CD & 2.10% 12-Month CD at Navy Army FCU in Texas - Local Only
6/28/09 - High-Yield Reward Checking Account at NavyArmy Federal Credit Union in Texas - Local Only
5/19/09 - 2.60% 12-Month CD & Other Competitive Rates at NavyArmy FCU in Texas - Local Only
3/12/09 - 2.70% 9-Month CD & 3.15% 24-Month CD at NavyArmy FCU in Texas
12/11/08 - CD Rates from 3.85% for 3-mo Term to 4.20% for 24-mo Term at NavyArmy FCU in Texas
3/29/08 - 3.92% 12-Month / 4.07% 24-Month CD at a Texas CU (NavyArmy)

Reviews (6)

I love my bank!

This was the first bank account I set up on my own. The online set up was so easy and wait time on the phone was nothing. They answered any questions i had and helped me find the account type that would work best for my situation. They have monthly incentives that keep you wanting to use them more! They don't pull out outrageous monthly fees like I've heard banks do, and they made it super east to transfer money from my checking to my savings account. The website and phone app are very user friendly and it would be hard for someone to hack into my account becasue of all the extra security cautions they take!

An excellent choice

The NavyArmy Community Credit Union is the best CU I have belonged to. They have friendly staff, whether at the teller windows or in the customer service area. They offer a wide variety of accounts including checking, savings, CDs, IRAs, loans. One can have a personal account or a business account or both. The small initial deposit is left in the savings account. When it is $50.00 or more, interest and dividends accrue. There are three types of checking accounts. One allows money over a certain amount to accrue the best interest rates around...far better than any bank I know right now. A debit card is offered and ePay can direct a company to receive their payments from the account you choose. The online banking service is easy to navigate. They have phone service where a real person answers the phone during business hours and helps you through whatever you need as well as coming in and actually sitting face-to-face with a customer service rep. It is a great credit union to be a part of.

No Complaints In Over 20 Years

Posted by: |

I have had a checking and savings account here for more than 20 years. When I started, it was Navy Army Federal Credit Union or NAFCU (now Navy Army Community Credit Union or NACCU). For the first 6 or 7 years, I lived in Corpus Christi, enjoyed my banking experience with NAFCU...customer service was always very professional and helpful. My account did go into dormancy for a few years after I moved out of state and began using a local bank in my new city, but NAFCU never charged me any kind of fee for non-use. Thank goodness I never closed the account because later I discovered their new reward checking account called Liberty Checking. The original interest rate of 4.5% was so awesome and customer service had no problem taking my checking account out of dormancy, returning it to active status, and changing it to a reward checking account. Since then I have been thrilled to resume use of my now NACCU reward checking account and have earned some great interest. The now 3.5% interest on all balances up to $25,000 has remained steady for several years now and is still a great rate comparatively. Customer service has also remained easy to work with. Haven't found any other checking options to tempt me away from NACCU.

2018 Bonus Dividend

Posted by: |

The 2018 bonus dividend this year was 12%; that's 12% of the total dividends earned YTD.

Bonus Dividends

Posted by: |

WOW - just got in a notice today that they posted a deposit for a bonus dividend. This year, it was 18%. That 18% of the dividend values from Jan 2014 through Nov 2014.

I had a blended rate of 2.0% on some holdings. Times 1.18%, that brought me up to 2.36%.

I think the Bonus rate last year was 6%.

Great CU -- Good And Sustainable Rate!

Posted by: |

One of my life lines for years.


Updated Revision of my previous reviews --

1. Still my life line, with four (3%, $25K) Liberty Checking accounts!!

2. The simple 10 debit-card-transaction monthly requirement, coupled with (3% APY, $25K) is simply amazing!!!

Keep up the excellent work, NACCU!!!!

10 Sept 2022: Change my ratings due to the sneaky $5/debit card transaction change!


Health Grade Components

NCUA #68615
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD1.74%
Return on Equity - YTD15.67%
Annual Interest Income$86.9MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$4.22B$3.95B
LoansQ2 2022vs Q2 2021$3.46B$3.16B
DepositsQ2 2022vs Q2 2021$3.71B$3.47B
Equity CapitalQ2 2022vs Q2 2021$466.9MM$392.4MM
Loan Loss AllowanceQ2 2022vs Q2 2021$38.7MM$35.3MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$19.3MM$22.4MM
Real Estate OwnedQ2 2022vs Q2 2021$0$210.00K
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Always verify rates and promotions with the bank or credit union. We are not Navy Army Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Navy Army Community Credit Union Savings Account Rates

0.90%$50-IRA Share Account
0.15%$50-Home Savings
0.15%$50-Basic Savings

Navy Army Community Credit Union Money Market Rates

0.65%*$50k*-Money Market Account
OTHER TIERS: 0.50% $2k - $50k

Navy Army Community Credit Union Checking Account Rates

3.01%*-$25kLiberty Checking Share Draft
OTHER TIERS: 0.50% $25k+

Navy Army Community Credit Union CD Rates

3.20%$100k-1 Year Jumbo CD
3.20%$100k-Business 1 Year Jumbo CD
3.00%$1k$100k1 Year CD
3.00%$100k-2 Year Jumbo CD
3.00%$100k-3 Year Jumbo CD
3.00%$1k$100kBusiness 1 Year CD
3.00%$100k-Business 2 Year Jumbo CD
3.00%$100k-Business 3 Year Jumbo CD
2.80%$1k$100k2 Year CD
2.80%$1k$100k3 Year CD
2.80%$1k$100kBusiness 2 Year CD
2.80%$1k$100kBusiness 3 Year CD
1.61%$1k-6 Month CD
1.61%$1k-Business 6 Month CD
1.56%$1k-3 Month CD
1.56%$1k-Business 3 Month CD

Navy Army Community Credit Union IRA Rates

3.20%$100k-1 Year Jumbo IRA
3.00%$1k$100k1 Year IRA
3.00%$100k-2 Year Jumbo IRA
2.80%$1k$100k2 Year IRA


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