NavyArmy Community Credit Union (TX) Liberty Checking Is Rate Leader


Deal Summary: Liberty Checking, 3.01% APY on qualifying balances up to $25k.

Availability: Residents of eight South Texas counties.

It’s been ten years since I last wrote about NavyArmy Community Credit Union’s (NavyArmy) Liberty Checking account. This rewards checking account currently earns 3.01% APY on qualifying balances up to $25k. Qualifying balances over $25k earn 0.50% APY, with non-qualifying balances earning 0.10% APY.

3.01*%-$25kNavy Army Community Credit UnionLiberty Checking Share Draft
OTHER TIERS: 0.50% $25k+
Rates as of July 8, 2020.

The Liberty Checking account was added to NavyArmy’s product line in 2009, with an initial rate of 4.51% APY. While the qualifying balance cap has remained at $25k, there have been two rate drops: 3.51% APY (April 2011) and 3.01% APY (October 2017).

The qualification cycle requirements consist of,

  • At least 10 debit card purchases.
  • At least one direct deposit or authorize one automatic payment.
  • Be enrolled in and receive e-Statements at a valid email address.

The Liberty Checking account has no monthly service fee, but does require a minimum average daily balance of $0.01 to earn the stated APY. The minimum opening deposit is $20. Unlimited nationwide ATM fees will be reimbursed up to a maximum of $4.99 per transaction, if qualifications are met. ATM fees of $5.00 and higher will be reimbursed, if the corresponding ATM receipt is presented. There is a limit of one Liberty Checking account per household. Unlimited check writing is available, but as stated in the Liberty Checking section of the Member Account Agreement,

Fees and charges: If checks are not ordered through our authorized vendor, there will be a check rejection fee of $1.00 per rejected item.


Headquartered in Corpus Christi, Texas, NavyArmy Community Credit Union’s name seems to suggest a field of membership (FOM) with some type of military relationship requirement. Instead, the FOM is currently residency-based, with individuals who live, work, worship, or attend school in the South Texas counties of Aransas, Bee, Cameron, Hidalgo, Jim Wells, Kleberg, Nueces, and San Patricio eligible for membership.

Joining NavyArmy and/or open a Liberty Checking account can be done online or at any of the 18 Texas branches, located in Beeville, Brownsville, Corpus Christi (9), Edinburg, Kingsville, McAllen, Mission, Portland, Rockport, and Weslaco.

A savings account with a balance of at least $25.00 must be maintained in order to remain a member of NavyArmy.

Credit Union Overview

NavyArmy Community Credit Union has an overall health grade of "A" at, with a Texas ratio of 7.74% (excellent) based on December 31, 2019 data. In the past year, NavyArmy has increased its total non-brokered deposits by $200.64 million, an excellent annual growth rate of 7.88%. Please refer to our financial overview of NavyArmy Community Credit Union (NCUA Charter # 68615) for more details.

NavyArmy Community Credit Union was chartered in 1955 as the Naval Employees Corpus Christi Federal Credit Union. After a couple of name changes, the Credit Union adopted its present name in 2011, following the change to a state charter allowing NavyArmy to expand into two additional Rio Grande Valley counties. NavyArmy is currently the fifth largest credit union in Texas, with more than 188,000 members and assets in excess of $3.2 billion.

How Liberty Checking Compares

When compared to the High Yield Rewards Checking Accounts tracked by that are available within the FOM and have maximum qualifying balances of at least $25k, NavyArmy Community Credit Union’s Liberty Checking APY* currently ranks first.

Interest RateAccount NameCredit Union/Bank
3.01% APYLiberty Checking ($25k max)NavyArmy Community Credit Union
3.00% APYKansas Cash ($25k max)The Bank of Denver
2.25% APYCheckless Checking ($25k max)Presidential Bank

The above rates are accurate as of 6/25/2020.

To search for the best Reward Checking Account rates, both nationwide and state specific, please refer to our High Yield Reward Checking Account Rates Table page.

*We continue to work to keep our rates up-to-date, but there have been just too many rate cuts for us to process quickly. For the time being, please be aware that the rates listed at may not reflect the latest rates published by the banks and credit unions.

Related Pages: Corpus Christi checking accounts, Harlingen checking accounts, reward checking accounts

  |     |   Comment #1
I own four NACCU Liberty Checking accounts since its inception (at (4.51%, $25K) per account). Very difficult to get in due to locality restrictions; but it's easy to meet their monthly requirements (just ten debit-card transactions without low limit amount-wise).

I still keep the four accounts with a few dollars balance but have not loaded these accounts after they dropped the rate from 3.51% to 3.01%.
NavyArmy Community Credit Union Ups 30-Month CD
Deal Summary: CD Specials – 13-month (2.83% APY) and 30-month (3.33% APY), $1k minimum deposit.

Availability: Residents of eight South Texas counties.

It’s only been three months since NavyArmy Community Credit Union (NavyArmy) offered a 30-month CD earning 2.75% APY. In early June, that rate was increased to 3.00% APY. Last week, NavyArmy re-named that product, calling it a CD Special, and boosted the APY to 3.33%. NavyArmy also added 58 bps to its 13-month CD Special, which now earns 2.83% APY. Either CD Special can...

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NavyArmy Community Credit Union (TX) Adds 30-month CD
Deal Summary: 30-month CD, 2.75% APY, $1k minimum deposit

Availability: Residents of eight South Texas counties

It’s been more than two years since my last blog post on NavyArmy Community Credit Union (NavyArmy), simply because there haven’t been any good deals available. The addition of a 30-month CD (2.75% APY) to the product line last week is definitely worth writing about. This new 30-month CD can be opened with a $1k minimum deposit, and there is no stated balance cap.

As stated in NavyArmy’s Member Account Agreement,...

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Availability: Residents of eight South Texas counties

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The minimum deposit to earn the stated APYs is $100K, with no balance cap. Minimum deposits of $1-$99,999K earn APYs 25 basis...

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Best CD in America has a Rate Cut - Navy Army Community CU in Texas - Local Only

The rate has fallen, but it remains a great deal. It's the 30-month CD at Navy Army Community Credit Union. Most of last year it had a 3.00% APY. On Monday the yield fell to 2.50%. Minimum deposit is $1,000, and the maximum is $500,000. The credit union shorter-term CDs are still very competitive. These include a 1.45% APY 1-year CD and a 1.85% APY 2-year CD. Minimum deposit is $100,000. Rates are 10 basis points lower for a $1,000 minimum deposit. These rates are listed in the credit union's...

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Top 30-Month CD Rate Continues at Navy Army Community Credit Union in Texas - Local Only

I was surprised last December when I saw Navy Army Community Credit Union offering a 3.00% APY 30-month CD. It's amazing that this credit union continues to offer this CD which is the best CD deal in the nation. Minimum deposit is $1,000, and the maximum is $500,000. Its shorter-term CDs are also very competitive. These include a 1.45% APY 1-year CD and a 1.85% APY 2-year CD. Minimum deposit is $100,000. Rates are 10 basis points lower for a $1,000 minimum deposit. These rates are listed in the credit...

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