Navy Federal Credit Union Oceanside CA: Top Auto Loans & Mortgage Rates

Introduction

Welcome to Navy Federal Credit Union, your trusted partner in financial well-being since 1947. Nestled at 4180 Avenida De La Plata, Oceanside, CA 92056, our branch is dedicated to serving our community with commitment and care. With over 14 million members, we pride ourselves on being more than just a credit union we're a family that works together for a brighter financial future. At Navy Federal, we understand the importance of reliable banking services. That's why we offer a wide range of products, including personal banking, auto loans, mortgage options, and business financing. Our total assets of $180.81 billion and total deposits amounting to $2.32 billion reflect our strength and stability in the financial landscape. Led by CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., our team is passionate about empowering our members through tailored financial solutions. Whether you need help with loans over 8 million issued or you're looking for expert advice, we are here for you. While members can visit us at our branch location, official correspondence should be sent to the same address: 4180 Avenida de La Plata, Oceanside, CA 92056-6001. Experience the difference at Navy Federal Credit Union where your financial goals are our top priority. Feel free to reach out at 888-842-6328 or visit us online at navyfcu.org to learn more about how we can support your journey toward financial success!

Branch History & Mission

A Journey Through Time

Navy Federal began with a simple mission: to provide quality financial services to those who serve our nation. Over the decades, we have grown from a small credit union into one of the largest in the country, now boasting over 14 million members and total assets of more than $180 billion. This remarkable growth reflects our commitment to excellence and the trust placed in us by our members. Our branch in Oceanside opened its doors to the community as part of this journey, offering personal banking solutions tailored to meet the unique needs of our members. From auto loans and mortgages to credit cards and business banking, we strive to provide comprehensive services that make a real difference in people's lives.

Commitment to Innovation

In addition to traditional services, we've embraced technology to enhance your banking experience. With features like online banking, mobile payments, and electronic signatures, managing your finances has never been easier or more accessible. We ensure that all members can access our services comfortably through ADA compliance initiatives.

Join Us

As we continue on this journey together, we invite you to become part of our family at Navy Federal Credit Union. Experience firsthand the benefits of membership from competitive rates on loans and deposits to dedicated customer service that puts you first. Visit us today or call us at 888-842-6328 for more information about how we can help you reach your financial dreams!

Our Mission

At Navy Federal Credit Union, our mission is clear: We exist to serve our members. We understand that each member has different financial needs and aspirations. That's why we prioritize personalized service and innovative products designed with you in mind. Whether you're looking for checking and savings accounts, vehicle financing, or online banking solutions, we're here to support you every step of the way. We also believe in giving back to the communities we serve. Through various outreach programs and partnerships with local organizations, we actively engage in initiatives that uplift our neighborhoods and support those in need. Our commitment extends beyond banking; it's about making a positive impact where it matters most. While you can visit us at 4180 Avenida De La Plata, please note that official correspondence should be sent to 4180 Avenida de La Plata, Oceanside, CA 92056-6001 if necessary.

Branch Location & Accessibility

Come Visit Us!

We invite you to drop by Navy Federal Credit Union at 4180 Avenida De La Plata. If you have questions or would like more information about our services, don't hesitate to call us at 888-842-6328. Let us help you achieve your financial goals today!

Convenient Access and Features

Our location offers ample parking and is designed with accessibility in mind, ensuring that everyone can navigate our space comfortably. We are committed to serving all members of the community, including those who may need additional support while visiting us.

Operating Hours Tailored for You

Navy Federal Credit Union operates during welcoming hours: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 4 PM. This schedule provides flexibility for busy members who need to manage their finances on their own time.

Services Designed with You in Mind

At our Oceanside branch, we offer a range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgage refinancing. Need cash? Our ATM is readily available for quick withdrawals and balance checks. While we do not offer drive-thru banking at this location, our friendly staff is always ready to help you inside.

Member Eligibility

Joining the Navy Federal Credit Union community is an exciting step towards better financial well-being! To become a member, you just need to meet a few simple eligibility criteria. If you are a member of the military, a veteran, or an immediate family member of someone who qualifies, you're already on your way to enjoying the benefits we offer. Additionally, individuals in certain government positions or employees of companies that partner with us can also join. For a complete overview of the eligibility requirements, feel free to check out our detailed guide at https://www.navyfederal.org/membership/eligibility .html . Opening an account with us is straightforward and welcoming! You can start this process online by visiting https://mymembership.navyfederal.org/#/milestones . If you have any questions or need assistance along the way, don't hesitate to reach out to us at (888) 842-6328. We're here to support you every step of the way as you join our thriving community at Navy Federal Credit Union, located at 4180 Avenida De La Plata Oceanside Ca 92056.

Business Banking & Commercial Services

Commercial Loans Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $1,105 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $156 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $227,844,936, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Sense

In addition to loans, we offer merchant services that simplify everyday transactions for business owners. Imagine having the ability to accept payments anytime, anywhere. Our tools help streamline operations so you can focus more on what you do best running your business. Visit us at 4180 Avenida De La Plata Oceanside Ca 92056, Oceanside, CA, or call us at (888) 842-6328 to learn how we can partner with you for success!

Comprehensive List Of Services

Accessible Banking Services

With our convenient ATM & Cash Withdrawal Services, accessing cash has never been easier. Members enjoy basic ATM access for withdrawals and balance checks perfect for when you're on the go. Plus, our branch offers easy access during lobby hours from Monday to Friday, 9 AM - 6 PM, and Saturdays from 9 AM - 4 PM. At Navy Federal Credit Union in Oceanside, CA, we strive to create an environment where financial growth is accessible to all members. If you're ready to explore how these services can benefit you or if you have any questions about membership eligibility or account opening procedures, don't hesitate to reach out! Call us at 888-842-6328 or visit us online at Navy Federal today!

Financing Your Dreams

If you're considering purchasing a vehicle or refinancing your existing auto loan, we offer competitive Auto Loans & Vehicle Financing options that can help you drive away in the car of your dreams. For those thinking about homeownership, our Mortgage Loans & Refinancing services make it simple to navigate the process and secure the best rates available.

Manage Your Debt Wisely

Life can be unpredictable, and sometimes financial challenges arise. Our Personal Loans & Debt Consolidation options provide flexible solutions for managing expenses and consolidating debt into manageable payments. With our expert guidance, you can regain control over your finances and focus on what truly matters.

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, our personal banking options are designed to fit your lifestyle. Imagine having easy access to your funds through online and mobile banking, which allows you to manage your accounts anytime, anywhere. You can check balances, transfer money, and even make person-to-person payments with just a few taps on your phone.

Rewarding Credit Options

Credit cards are often essential in building credit history, and at Navy Federal Credit Union, we offer Credit Cards with Rewards that give back as you spend. Picture earning points or cash back on everyday purchases it's an effortless way to make your spending work for you!

Supporting Local Businesses

For entrepreneurs in our community, we understand the importance of strong business support. Our Business Banking services include merchant services and business loans tailored to help local businesses thrive. We're here to assist you in navigating the financial aspects of running a successful enterprise.

Digital & Online Banking

Additional Features

Need to send money to a friend? Our person-to-person transfer feature lets you do just that in seconds. Whether splitting a dinner bill or paying back a loan, it's quick and hassle-free. And if you prefer using your phone for payments, our mobile payments feature lets you make purchases with ease. With 24/7 online banking services available at Yes, you'll never have to worry about reaching us during business hours. You have control over your finances when it suits you best. At Navy Federal Credit Union, we're committed to providing accessible and easy-to-use digital banking solutions that enhance how you manage your money every day. Dive into the future of banking with us today!

Key Services

Our online banking features are designed to keep your experience smooth and straightforward. You can check balances, transfer funds, and pay bills anytime, all backed by robust security measures to protect your information. Plus, we offer electronic signature authorization, making it easier than ever to sign documents quickly and securely. If you're looking to simplify your statement management, we provide e-statements that allow you to view your account statements digitally. This means no more paper clutter! And for those who love mobile technology, our mobile application is available for download, giving you full access to your accounts wherever life takes you.

Financial Strength

At Navy Federal Credit Union, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand that you want to feel confident in your financial partner, and we are proud to showcase our strong financial foundation. With a net worth of $21,492,783,754, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1181 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $49,466,729,254 in share certificates and $24,197,620,142 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $399,808,576 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is substantial; with $1,319,200,000 in total loans and leases and $1,023,510 in used auto loans, we support your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 23,925 full-time employees and 635 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (Funds available for lending and investments): $1,127,735,547. Total Share Accounts: 30,809,321, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Navy Federal Credit Union is your trusted partner. Visit us at 4180 Avenida De La Plata Oceanside Ca 92056 or call 888-842-6328 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $17,423,226,266 in used vehicle loans and $14,784,600,315 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring that you have access to funds when you need them. Plus, if you're considering refinancing an existing auto loan, we can assist with that too.

Credit Lines and Commercial Loans

For those needing more flexibility in their borrowing options, we offer credit lines totaling $62,780,210,296. These are perfect for managing cash flow or unexpected expenses. Additionally, we support local businesses through our outstanding commercial loans totaling $227,844,936. These loans provide essential capital needed for growth and expansion. Our team is dedicated to making the loan process as straightforward as possible. If you're interested in exploring eligibility options or have questions about refinancing any of our loan products, please don't hesitate to reach out at 888-842-6328. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us at 4180 Avenida De La Plata Oceanside Ca 92056, and let's discuss how we can support your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $6,343,248,096. Whether you're looking for your first home or want to refinance your current mortgage for better rates or terms, we're here to guide you through every step of the process.

Unsecured Credit Card Loans

Managing everyday expenses is made easier with our flexible unsecured credit card loans. With a total of $30,452,498,817 in loans available to our members, you can manage your finances effectively without worrying about collateral. Our credit cards come with various benefits designed to enhance your spending power.

Loan Aggregator

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How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This sourcing guarantees fair and transparent offers for all users. By relying on verified financial institutions, LendMesh ensures that users receive accurate information when comparing different loan options.

NAVY FEDERAL CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans