Rebecca Ann Lloyd, the daughter of grocer Aubrey Paul Lloyd and seamstress Georgia Garrison Lloyd, was born on 29 May 1929 in Greensboro, North Carolina. She graduated from the Curry School in 1946 and then attended the Woman’s College of the University of North Carolina. Lloyd graduated with a degree in recreation in 1950.
Lloyd joined the WAVES in June 1950 and attended Officer Training School in Newport, Rhode Island. After six months of training she was sent to the Brooklyn Navy Yard, where she worked for a year and a half in the Registered Publications Issuing Office and then for six months in the Naval Correspondence Course Center, where she was a course instructor. During that time, Lloyd earned a master’s degree in personnel management from New York University.
In 1953, Lloyd became an engineering assistant for Admiral H.G. Rickover in Washington, D.C., in the Naval Reactors Branch of the Division of Reactor Development, Atomic Energy Commission, working on the development of nuclear submarines. Four years later Lloyd was transferred to the Naval Postgraduate School in Monterey, California. From 1957 to 1959 she served as an administrative officer at the Naval Station Norfolk, Virginia, and then returned to Monterey for Navy Management School. In 1960 she was stationed in Washington at the Office of Chief of Naval Operations, working in communications and budgeting until 1963.
In April 1963, Lloyd was stationed in Yokohama, Japan, as assistant chief staff officer. She returned to the United States in late 1964 and was sent to the Naval Amphibious Base Coronado, California, where she was the comptroller. Lloyd then worked for the Commander, Amphibious Force, Pacific Fleet [ComPhibPac] in the late 1960s and early 1970s. She retired from the navy in 1972 and relocated to San Diego, where she became a commercial realtor. Lloyd died in San Diego on 21 May 2013.