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To be a member of the credit union, you must be a veteran, have current ties to the armed forces, Department of Defense, or National Guard, or have an immediate family member who has a membership with Navy Federal. Once you join, membership is for life. lms.nel.navy.mil.How to Format the Closing and Include Your Signature employee 000-00-0000 mm-dd-yyyy mm-dd-yyyy human resources specialist tcxxxxxxxx (if known, comes off the full Overall Loan Limits: $2,000 (minimum), $120,000 (aggregate maximum) Cosigner Terms: Cosigner optional, allows for Cosigner Release after 24 on-time monthly payments. This explains their similar styles, though GAP Inc. Navy Federal Credit Union offers a variety of loan terms at competitive rates and with low fees. Calculator best 529 plans student loan refinance calculator. All loans are subject to an interest rate floor based on term: 5 year: 4.25%, 10 year: 5.17% and an interest rate cap of 18.00%. 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