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.

2.75%$1k-Navy Army Community Credit Union30 Month CD
Rates as of May 22, 2018.

As stated in NavyArmy’s Member Account Agreement, the Early Withdrawal Penalty read as follows:

The penalty we may impose will equal 180 days interest whether earned or not.

Liberty Checking

I first reported on NavyArmy’s Liberty Checking in 2009 when the top rate was 4.51% APY. The rate has fallen, but it is still very competitive. The reward checking account now earns 3.01% APY on qualifying balances up to $25k. Qualifying balances of $25k+ earn 0.51% APY, with non-qualify balances earning 0.10% APY.

3.01*%-$25kNavy Army Community Credit UnionLiberty Checking Share Draft
OTHER TIERS: 0.51% $25k+
Rates as of May 22, 2018.

Monthly qualifying balance requirements are:

  • Enroll in and receive Electronic Statements.
  • At least 10 debit card transactions.
  • At least one monthly Direct Deposit to, OR,
  • At least one monthly ACH payment from the account.

The Liberty Checking account has no monthly fees or monthly minimum balance requirement, and can be opened with a minimum deposit of $20. Unlimited nationwide ATM fees will be refunded, as long as the qualifying requirements are met. There is a limit of only one Liberty Checking account per household.


Headquartered in Corpus Christi, Texas, NavyArmy Community Credit Union’s name would seem to suggest a field of membership (FOM) with some type of military relationship requirement. Instead, the FOM is 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 can be done online or at any of 16 Texas branches located in Beeville, Brownsville, Corpus Christi (8), Edinburg, Kingsville, McAllen, Mission, Portland, and Rockport.

While NavyArmy does have several online banking features for account management (including POPmoney), opening a CD requires an in-person visit to any of the above mentioned branch locations.

Credit Union Overview

NavyArmy Community Credit Union has an overall health grade of "B" at, with a Texas ratio of 20.71% (above average) based on December 31, 2017 data. In the past year, NavyArmy has increased its total non-brokered deposits by $177.1 million, an excellent annual growth rate of 7.94%. 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, when a state charter was granted that allowed NavyArmy to expand into two additional counties in the Rio Grande Valley. NavyArmy is the sixth largest credit union in Texas, with more than 161,500 members and assets in excess of $2.7 billion.

How the CD Compares

When compared to the 218 similar length-of-term CDs tracked by that require a similar minimum deposit and are available within the FOM, NavyArmy Community Credit Union's 30-month CD APY currently ranks first.

The above rates are accurate as of 4/16/2018.

To search for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Corpus Christi checking accounts, Harlingen checking accounts, reward checking accounts, 5-year CD rates

Just CD;s
Just CD;s   |     |   Comment #1
Still see nothing coming out of Navy FCU yet.......... I'm tempted to go with another local CU for a 5yr 2,75, but just as soon as I lock it in, Navy will probably come out with some sort of at least 3%. (not the starter, IRA, or some capped product)
NavyArmy CCU Increases Rates On 2- And 3-Year CDs
Availability: Residents of eight South Texas counties

NavyArmy Community City Union (NavyArmy) has had a busy week: the announcement of a 10% Bonus Dividend for 2015 being paid (thanks to PearlBrown for letting us know about that good news), and an increase in the rates for its 2-Year Term Share Account (1.75% APY) and 3-Year Term Share Account (2.25% APY).

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

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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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Top CD and Reward Checking Rates Continue at Navy Army FCU in SE Texas - Local Only

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Term      APY $1K Min   APY $100K Min
3 month 1.50% 1.55%6...
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