Navy Federal Credit Union

Nestled in the heart of Ontario, Navy Federal Credit Union at 4190 E 4th St Ste A warmly welcomes military members, veterans, and their families to a trusted financial home. Open Monday through Friday from 9:00 a.m. to 5:30 p.m. and Saturdays until 4:00 p.m., this branch offers convenient ATM services for quick cash withdrawals and balance checks, making everyday banking effortless.
Known for providing some of the best auto loans with competitive rates, Navy Federal helps you get behind the wheel with confidence through flexible vehicle financing options tailored just for you. Homebuyers will also appreciate low mortgage loans and refinancing solutions designed to make owning a home in Ontario more attainable.
Beyond lending, this full-service branch delivers personal banking products including checking and savings accounts crafted for daily convenience, credit cards loaded with rewarding perks, personal loans for debt consolidation, plus business banking services to support local entrepreneurs. While there is no drive-thru onsite, user-friendly online and mobile banking platforms ensure you can manage your finances anytime, anywhere.
Visit Navy Federal Credit Union at 4190 E 4th St Ste A or call 888-842-6328 today to experience personalized guidance and explore how our top-tier auto loans and mortgage offerings can help you achieve your financial goals!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
home equity
Fixed-Rate Equity Loan
7.34 %
5 Yrs - 20 Yrs
$500,000
100 %
heloc
Home Equity Line of Credit
7.75 % - 18 %
20 Yrs
$500,000
95 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
15 Year
5.375 %
5.569 %
0.25
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
3/5 Conforming ARM
5.375 %
5.97 %
0.25
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/5 Conforming ARM
5.625 %
5.98 %
0.25
5.0 Yrs
CONVENTIONAL
FIXED
30 Year
6.25 %
6.394 %
0.5
30.0 Yrs
JUMBO
ADJUSTABLE
3/5 Jumbo ARM
5.375 %
5.97 %
0.25
5.0 Yrs
JUMBO
FIXED
15 Year Jumbo
5.625 %
5.82 %
0.25
15.0 Yrs
JUMBO
ADJUSTABLE
5/5 Jumbo ARM
5.625 %
5.98 %
0.25
5.0 Yrs
JUMBO
FIXED
30 Year Jumbo
6.5 - 7.625 %
6.646 - 7.968 %
0.5
30.0 Yrs
VA
FIXED
15 Year
5.25 %
5.941 %
0.5
15.0 Yrs
VA
FIXED
30 Year
5.875 - 7.25 %
6.327 - 7.586 %
0.75
30.0 Yrs
CONVENTIONAL
FIXED
15 Year
5.375 %
5.569 %
0.25
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
3/5 Conforming ARM
5.375 - 5.5 %
5.97 - 6.0 %
0.25
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/5 Conforming ARM
5.625 - 5.75 %
5.98 - 6.028 %
0.25
5.0 Yrs
CONVENTIONAL
FIXED
30 Year
6.25 %
6.394 %
0.5
30.0 Yrs
JUMBO
ADJUSTABLE
3/5 Jumbo ARM
5.375 - 5.5 %
5.97 - 6.0 %
0.25
5.0 Yrs
JUMBO
FIXED
15 Year Jumbo
5.625 %
5.82 %
0.25
15.0 Yrs
JUMBO
ADJUSTABLE
5/5 Jumbo ARM
5.625 - 5.75 %
5.98 - 6.028 %
0.25
5.0 Yrs
JUMBO
FIXED
30 Year Jumbo
6.5 - 7.625 %
6.646 - 7.968 %
0.5
30.0 Yrs
VA
FIXED
15 Year
5.25 %
5.941 %
0.5
15.0 Yrs
VA
FIXED
30 Year
5.875 - 7.25 %
6.327 - 7.586 %
0.75
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Personal expense loan
8.99 - 18 %
3.1 - 5 Yrs
$50,000
Home improvement loan
8.99 - 18 %
3.1 - 15 Yrs
Debt consolidation loan
8.99 - 18 %
3.1 - 5 Yrs
$50,000
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
4.09 % - 7.59 %
3 Yrs - 8 Yrs

Introduction

Welcome to Navy Federal Credit Union, your trusted financial partner right in the heart of Ontario, California! Located at 4190 E 4th St Ste A, our branch has been serving members since 1947. With a commitment to helping our community thrive, we are proud to support over 14 million members with tailored financial solutions designed just for you. At Navy Federal, we understand that every member's journey is unique. That's why we offer a wide range of services, from checking and savings accounts to auto loans and mortgage financing. Our total assets exceed $180 billion, reflecting our strength and stability in providing secure banking options. With $2.32 billion in total deposits and a net worth of $21.49 billion, you can trust that your money is in safe hands. While members can visit us at our branch location, official correspondence should be sent to the same address: 4190 E 4th St Ste A, Ontario, CA 91764. We also have a dedicated team of over 24,500 employees, led by our CEO, Dietrich Kuhlmann, and Board President, Edward Cochrane Jr., who are passionate about delivering exceptional service and fostering strong relationships with our members. Whether you're looking for personal banking solutions or business financing options, we're here to help you every step of the way. Feel free to reach out to us at 888-842-6328 or visit our website at navyfcu.org for more information on how we can assist you. Join us today and experience the difference with Navy Federal Credit Union where your financial success is our priority!

Branch History & Mission

Community Focus

Navy Federal is deeply rooted in the community. Over the years, we've built partnerships with local organizations and engaged in outreach initiatives aimed at improving financial literacy and providing assistance where it's needed most. We believe that by investing in our community, we strengthen not just individual members but also the neighborhoods we all call home.

Modern Services

In addition to traditional banking services, we embrace technology to enhance your experience. Our branch offers online and mobile banking options, ensuring you can manage your finances conveniently from anywhere. With ATM availability right here in Ontario and robust customer service through our dedicated phone line at 888-842-6328, we're committed to being there for you whenever you need us. As we continue on this journey since our founding in 1947, we invite you to join us at Navy Federal Credit Union. Experience firsthand how we're dedicated not only to your financial success but also to making a positive impact in our community. Together, let's build a brighter future!

Our Mission

At Navy Federal Credit Union, our mission is simple yet powerful: to enhance the financial well-being of our members while supporting the communities we serve. We offer a wide range of services tailored to meet diverse needs from personal banking solutions like checking and savings accounts to auto loans, mortgages, and business banking options. Our goal is not only to provide financial products but also to empower our members with the knowledge and tools necessary for achieving their financial goals. While members can visit us at 4190 E 4th St Ste A, official correspondence should be sent to 4190 E 4th St Ste A, Ontario, CA 91764. This accessibility ensures that we're always within reach for any questions or concerns.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important. Our branch is designed with ADA compliance in mind, ensuring that everyone can visit us comfortably. There are also ample parking spaces available, so you won't have to worry about finding a spot when you arrive.

Convenient Location

Nestled near local landmarks, our branch is just a short drive from the bustling Ontario Mills shopping center and close to several dining options. Whether you're stopping by after work or running errands over the weekend, you'll find us in a prime location that's easy to reach.

Operating Hours

Our doors are open Monday through Friday from 9:00 AM to 5:30 PM, and on Saturday from 9:00 AM to 4:00 PM. We strive to accommodate your busy schedule, so feel free to stop by during these hours for any of your banking needs.

Services Offered

At Navy Federal Credit Union, we provide a range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans, mortgage loans, and credit cards with rewards there's something for everyone. We also have ATM availability for quick cash withdrawals and balance checks whenever you need them. While members can visit us at 4190 E 4Th St Ste A, official correspondence should be sent to the same address. If you have any questions or need assistance, don't hesitate to give us a call at 888-842-6328.

Visit Us Today!

We invite you to come see how Navy Federal Credit Union can serve you best. Our friendly staff is ready and waiting to assist with all your financial needs. Come by today and discover what we can do for you!

Member Eligibility

Becoming a member of Navy Federal Credit Union is like joining a family that truly cares about your financial well-being. If you're looking to be part of a supportive community, all you need to do is check if you meet our friendly eligibility criteria. Generally, membership is open to those who are active duty military, veterans, or family members of these individuals. We also welcome Department of Defense civilians and certain other groups making it easier for you to join us. For the most accurate and up-to-date details on eligibility, feel free to visit our website at https://www.navyfederal.org/membership/eligibility.html. Once you know you qualify, opening an account with us is a breeze! You can find all the information you need to start your journey at https://mymembership.navyfederal.org/#/milestones. If you have any questions or need assistance, don't hesitate to give us a call at (888) 842-6328. We're excited to have you on board and help you achieve your financial goals right here at our branch located at 4190 E 4Th St Ste A Ontario Ca 91764.

Business Banking & Commercial Services

Financing Your Growth

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 Matter

In addition to loans, we offer comprehensive merchant services that make daily operations easier for you. Imagine being able to accept payments quickly and securely, whether in-store or online. Our solutions are tailored to fit your business model, allowing you to focus on what truly matters serving your customers and growing your enterprise. Located conveniently at 4190 E 4Th St Ste A Ontario Ca 91764 in Ontario, CA, we're here to help your business thrive. For more information about how we can assist you, call us at (888) 842-6328 or visit our website at Navy Federal Credit Union. Let's work together towards your success!

Comprehensive List Of Services

Business Banking

Are you a business owner? At Navy Federal Credit Union, we also cater to local businesses with our business banking services, including merchant services and business loans. We're here to support your growth with financial tools designed specifically for entrepreneurs.

Digital Convenience

In today's fast-paced world, convenience matters. That's why we provide comprehensive online and mobile banking solutions. Whether you need to check balances, pay bills, or transfer money between accounts, our digital platforms make it easy from anywhere at any time. Plus, our ATM and cash withdrawal services ensure you can access your funds whenever you need them. We invite you to visit us at 4190 E 4Th St Ste A Ontario Ca 91764 in Ontario, CA, or call us at (888) 842-6328 to learn more about how our services can help simplify your financial life. Let Navy Federal Credit Union be your trusted partner in achieving your financial goals!

Financial Solutions

If life throws unexpected expenses your way, our personal loans and debt consolidation services provide a safety net. You can consolidate high-interest debts into one manageable payment or access funds for emergencies without hassle.

Home Ownership

Thinking about buying a home? Our mortgage loans and refinancing services can guide you through the process. We offer various mortgage options that fit different budgets and lifestyles, making homeownership more attainable than ever.

Personal Banking

Whether you're opening your first checking account or looking to save for a future goal, our personal banking services have you covered. We offer flexible checking and savings accounts designed for your everyday transactions and long-term savings plans. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options are competitive and straightforward, helping you get behind the wheel with confidence.

Rewards and Benefits

For those who enjoy using credit wisely, our credit cards with rewards offer great benefits on every purchase. Earn points for travel, cash back, or gift cards whatever suits your lifestyle best!

Digital & Online Banking

Key Features of Our Digital Banking Services

By visiting https://www.navyfederal.org/, you can explore all the features we provide. Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer funds at any time that suits you. No more rushing to the bank before closing hours! We also offer electronic signature authorization for a hassle-free way to sign documents without needing to visit a branch. Plus, if you're looking to stay organized and eco-friendly, our e-statements feature makes it easy to access your financial statements digitally.

Mobile Banking Made Simple

Our mobile application takes convenience a step further. Whether you're grabbing coffee or waiting for an appointment, you can easily manage your accounts right from your smartphone. You can even make mobile payments with just a few taps, simplifying your shopping experience. Want to send money to friends or family? With our person-to-person transfers, sending money has never been easier. Just enter their information in our app or online banking portal and complete the transaction securely.

Security You Can Trust

At Navy Federal Credit Union, we prioritize your security. Our robust security measures protect your personal information and transactions, giving you peace of mind while you bank online. Join us today and discover how our digital and online banking services can simplify your financial life! For more details about our offerings, don't hesitate to reach out or visit us at https://www.navyfederal.org/.

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 are committed to providing reliable services while maintaining strong financial health. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $21,492,783,754, we maintain strong 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, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial; with $1.3192E+11 in total loans and leases, including $1,023,510 in used auto loans. This supports our members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, which enables 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 and Deposit 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 4190 E 4Th St Ste A Ontario Ca 91764 or call 888-842-6328 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Loan Options

For those interested in expanding their business ventures, our outstanding commercial loans totaling $227,844,936 provide the capital needed to grow and expand operations. Additionally, we have various credit lines available with a total of $62,780,210,296, allowing for greater flexibility in managing cash flow. If you're considering refinancing any existing loans or need guidance on eligibility options for our various products, our team is here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information about our loan offerings or to start your application process today, feel free to contact us at 888-842-6328. Let us help you take the next step towards achieving your financial dreams!

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 are committed to making your auto financing experience straightforward and affordable.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,343,248,096, make buying or refinancing simple. We can guide you through the eligibility process and offer competitive rates that fit your budget.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $30,452,498,817 in unsecured credit card loans helping members manage their finances effectively, our credit cards come with rewards that can enhance your purchasing power.

Loan Aggregator

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 ensures that users receive fair and transparent offers without hidden fees or misleading terms.

Benefits of Using LendMesh

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