Certificate Pledged Loans

With a Navy Federal Certificate Pledged Loan, you can borrow 100% of your certificate’s principal and paid dividends for up to 5 years at 2.00% APR above the certificate’s rate.

To apply for a Certificate Pledged Loan, please call 1-888-842-NFCU (6328), international numbers, or visit a Navy Federal branch.

Note: Funds (shares) within a Share Certificate, Money Market Certificate or Jumbo Certificate are pledged for the loan. The amount of the loan cannot exceed the amount of shares in the certificate. The loan term must be equal to or less than the certificate term.