Navy Federal Credit Union

Navy Federal Credit Union serves Rhode Island’s military members, veterans, and their families with trusted, statewide financial solutions designed to support your unique needs. Membership offers access to a broad range of services including convenient ATM and cash withdrawal options throughout Rhode Island for easy access to your money anytime. Whether you're looking to finance a new vehicle or refinance an existing one, Navy Federal provides competitive auto loans and flexible terms tailored to fit your budget.
Rhode Island homebuyers benefit from low mortgage rates and refinancing options that help make homeownership more attainable. Personal banking is straightforward with checking and savings accounts built for everyday convenience, plus credit cards featuring rewarding perks that boost your spending power. For managing debt or unexpected expenses, personal loans and debt consolidation offer valuable financial flexibility.
Business owners in Rhode Island can take advantage of comprehensive business banking services such as merchant solutions and business loans designed to help grow local enterprises. Secure online and mobile banking platforms ensure you can manage your accounts anytime, anywhere in the state. Beyond banking, Navy Federal actively supports Rhode Island communities through programs dedicated to military families—making membership more than just financial services but a partnership focused on your success.

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
home equity
Fixed-Rate Equity Loan
7.34 %
5 Yrs - 20 Yrs
$500,000
100 %
heloc
Home Equity Line of Credit
7.75 % - 18 %
20 Yrs
$500,000
95 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
15 Year
5.375 %
5.569 %
0.25
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
3/5 Conforming ARM
5.375 %
5.97 %
0.25
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/5 Conforming ARM
5.625 %
5.98 %
0.25
5.0 Yrs
CONVENTIONAL
FIXED
30 Year
6.25 %
6.394 %
0.5
30.0 Yrs
JUMBO
ADJUSTABLE
3/5 Jumbo ARM
5.375 %
5.97 %
0.25
5.0 Yrs
JUMBO
FIXED
15 Year Jumbo
5.625 %
5.82 %
0.25
15.0 Yrs
JUMBO
ADJUSTABLE
5/5 Jumbo ARM
5.625 %
5.98 %
0.25
5.0 Yrs
JUMBO
FIXED
30 Year Jumbo
6.5 - 7.625 %
6.646 - 7.968 %
0.5
30.0 Yrs
VA
FIXED
15 Year
5.25 %
5.941 %
0.5
15.0 Yrs
VA
FIXED
30 Year
5.875 - 7.25 %
6.327 - 7.586 %
0.75
30.0 Yrs
CONVENTIONAL
FIXED
15 Year
5.375 %
5.569 %
0.25
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
3/5 Conforming ARM
5.375 - 5.5 %
5.97 - 6.0 %
0.25
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/5 Conforming ARM
5.625 - 5.75 %
5.98 - 6.028 %
0.25
5.0 Yrs
CONVENTIONAL
FIXED
30 Year
6.25 %
6.394 %
0.5
30.0 Yrs
JUMBO
ADJUSTABLE
3/5 Jumbo ARM
5.375 - 5.5 %
5.97 - 6.0 %
0.25
5.0 Yrs
JUMBO
FIXED
15 Year Jumbo
5.625 %
5.82 %
0.25
15.0 Yrs
JUMBO
ADJUSTABLE
5/5 Jumbo ARM
5.625 - 5.75 %
5.98 - 6.028 %
0.25
5.0 Yrs
JUMBO
FIXED
30 Year Jumbo
6.5 - 7.625 %
6.646 - 7.968 %
0.5
30.0 Yrs
VA
FIXED
15 Year
5.25 %
5.941 %
0.5
15.0 Yrs
VA
FIXED
30 Year
5.875 - 7.25 %
6.327 - 7.586 %
0.75
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Personal expense loan
8.99 - 18 %
3.1 - 5 Yrs
$50,000
Home improvement loan
8.99 - 18 %
3.1 - 15 Yrs
Debt consolidation loan
8.99 - 18 %
3.1 - 5 Yrs
$50,000
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
4.09 % - 7.59 %
3 Yrs - 8 Yrs

Introduction

At Navy Federal Credit Union, our mission is clear: to provide exceptional, member-focused financial services that prioritize the needs of our community across Rhode Island. Under the leadership of CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., we strive to create an inclusive environment where every member feels valued and supported in their financial journey. We understand that convenience is key in today's fast-paced world, which is why we offer modern solutions such as electronic signature authorization, e-statements, mobile payments, a dedicated mobile app, online banking, and person-to-person payment support. Our commitment to innovation allows us to serve you better while fostering a sense of community among our members. Explore more about our offerings at https://www.navyfederal.org/ or reach out via fax at nan for any inquiries. Join us and experience the difference of a credit union that truly puts its members first!

Services & Financial Solutions

At Navy Federal Credit Union, we pride ourselves on offering a comprehensive range of financial services designed to empower our members across Rhode Island. Whether you're looking to manage your daily expenses or make significant investments like buying a home, our everyday personal banking solutions have you covered. With checking and savings accounts that cater to your unique needs, you can rest easy knowing that your money is not only secure but also easily accessible through our user-friendly online banking platform and mobile application. Imagine being able to check your balance, pay bills, or transfer funds seamlessly from the comfort of your home or while on the go.
When it comes to financing your dreams, our loan and credit options are tailored for various life stages. From auto loans that help you drive off in the car of your choice to mortgage loans that make homeownership a reality, we provide flexible terms and competitive rates. If you're managing debt or looking for personal loans, our dedicated team is here to assist you every step of the way. Plus, with features like person-to-person payments and electronic signatures, completing transactions has never been easier. For business owners in Rhode Island, our business banking support includes merchant services and business loans that can help you grow and thrive in today's competitive landscape. No matter what financial goals you have in mind, Navy Federal Credit Union is committed to providing the accessibility and convenience you need to achieve them.

Why Choose Us

At Navy Federal Credit Union in RI, we believe that banking should be as straightforward and accessible as possible. Becoming a member and opening an account with us is designed to be a smooth process, welcoming you into a community that values trust, engagement, and personalized service. We encourage prospective members to review their eligibility by visiting https://www.navyfederal.org/membership/eligibility.html—we're excited to see how you can join our family! Our commitment goes beyond just providing financial services; we strive to build lasting relationships with our members while ensuring financial reliability at every step. Whether you're looking for competitive rates on loans or convenient online banking options, we’re here to support your journey. And remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Ready to take the next step? Compare real-time loan offers today at LendMesh and find the best rates for your needs!

Branch Details

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

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