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Navy Army Community Credit Union

Popular Accounts at this Credit Union

1.40%2-year CD2 Year Term Share Account
1.00%1-year CD1 Year Term Share Account
1.85%3-year CD3 Year Term Share Account

Overview / Commentary
2730 Rodd Field Rd
Corpus Christi, TX 78414-3146

Navy Army Community Credit Union is headquartered in Corpus Christi and is the 7th largest credit union in the state of Texas. It is also the 83rd largest credit union in the nation. It was established in 1955 and as of June of 2017, it had grown to 423 employees and 155,863 members at 16 locations. Navy Army Community Credit Union's money market rates are 82% higher than 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, attend school or worship in Aransas, Bee, Cameron, Hidalgo, Jim Wells, Kleberg, Nueces or San Patricio Counties in Texas.
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Reviews (4)

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.

Great CU -- Good And Sustainable Rate!

Posted by: 51hh | Nov 26, 2016

One of my life lines for years.

No Complaints In Over 20 Years

Posted by: rosalie5 | May 15, 2015

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.

Bonus Dividends

Posted by: Anon456 | Dec 17, 2014

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%.


Health Grade Components

NCUA #68615
Year Chartered1955
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.24%
Annual Interest Income$52.2MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.64B$2.42B
LoansQ2 2017vs Q2 2016$2.27B$2.00B
DepositsQ2 2017vs Q2 2016$2.36B$2.15B
Equity CapitalQ2 2017vs Q2 2016$266.7MM$242.9MM
Loan Loss AllowanceQ2 2017vs Q2 2016$27.1MM$26.9MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$19.9MM$10.9MM
Real Estate OwnedQ2 2017vs Q2 2016$545.00K$1.3MM
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* 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

1.10%$50-IRA Share Account
0.50%*$10k*-Home Savings
OTHER TIERS: 0.25% $50 - $10k
0.50%*$10k*-Basic Savings
OTHER TIERS: 0.25% $50 - $10k

Navy Army Community Credit Union Money Market Rates

0.80%*$50k*-Money Market Account
OTHER TIERS: 0.60% $2k - $50k

Navy Army Community Credit Union Checking Account Rates

3.51%*-$25kLiberty Checking Share Draft
OTHER TIERS: 0.51% $25k+

Navy Army Community Credit Union CD Rates

1.85%*$100k*-3 Year Term Share Account
OTHER TIERS: 1.70% $1k - $100k
1.40%*$100k*-2 Year Term Share Account
OTHER TIERS: 1.30% $1k - $100k
1.00%*$100k*-1 Year Term Share Account
OTHER TIERS: 0.90% $1k - $100k
0.65%$1k-6 Month Term Share Account
0.50%$1k-3 Month Term Share Account

Navy Army Community Credit Union IRA Rates

1.60%*$100k*-2 Year IRA Term Share
OTHER TIERS: 1.50% $1k - $100k
1.20%*$100k*-1 Year IRA Term Share
OTHER TIERS: 1.10% $1k - $100k