Navy Federal vs USAA vs Veterans United: Detailed Comparison
🏦 Navy Federal Credit Union
Best for: Active duty service members who want integrated banking
- ✅ No origination fees on VA loans
- ✅ Military-specific underwriting (understands BAH, combat pay)
- ✅ Integrated banking, credit cards, auto loans
- ❌ Membership required (military/DoD only)
- ❌ Rates slightly higher than Veterans United
🛡️ USAA
Best for: Veterans who value exceptional customer service
- ✅ #1 rated customer service (J.D. Power)
- ✅ Full-service financial institution
- ✅ Competitive rates (6.0%)
- ❌ Membership required (military/veterans only)
- ❌ 0.5% origination fee
🏆 Veterans United
Best for: Anyone eligible for VA loans who wants the lowest rates
- ✅ Lowest VA rates (5.9%)
- ✅ $0 lender fees
- ✅ VA loan specialists (that's ALL they do)
- ✅ Free credit counseling
- ❌ Not a full-service bank
🎯 Get Your Personalized VA Rate
Rates vary by credit score, loan amount, and lender. Compare all top VA lenders to find YOUR best rate!
VA Funding Fee 2026
VA loans don't have PMI, but there's a one-time VA funding fee:
| Down Payment | First Use | Subsequent Use |
|---|---|---|
| 0% - 4.99% | 2.15% | 3.3% |
| 5% - 9.99% | 1.5% | 1.5% |
| 10%+ | 1.25% | 1.25% |
💡 Funding Fee Exemptions
You pay NO funding fee if you: Receive VA disability compensation, are a Purple Heart recipient on active duty, or are a surviving spouse of a veteran who died in service or from service-connected disability.