Navy Federal Credit Union Ridgecrest CA: Affordable Auto Loans & Business Banking

Introduction

Welcome to Navy Federal Credit Union in Ridgecrest, California! Located at 234 Balsam St, our branch has been a trusted financial partner for our community since 1947. With a commitment to serving our members, we are proud to support over 14 million individuals and families as they navigate their financial journeys. At Navy Federal, we understand that banking is about more than just transactions; it's about building relationships and enhancing lives. Our total assets of $180.81 billion reflect our strength and stability, ensuring that your money is safe and accessible when you need it most. Whether you're looking to open a checking account or secure a loan, we offer a wide range of services tailored to meet your needs. Our dedicated team, led by CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., is here to provide personalized service with a smile. We currently employ over 24,500 professionals who are ready to assist you, whether through our lobby or via online banking options. While members can visit us at 234 Balsam St, official correspondence should be sent to the same address: Ridgecrest, CA 93555-3856. Don't hesitate to reach out! You can contact us at 888-842-6328 during our lobby hours from Monday to Friday, 9 AM to 5 PM, and Saturday from 9 AM to 4 PM. Join us today and discover why we're not just another credit union; we're part of your community's fabric. Visit our website at navyfcu.org for more information on how we can support your financial goals!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand the importance of adapting to meet modern needs. That's why we offer convenient digital solutions like online banking and mobile payments alongside traditional services. Our commitment extends to ensuring accessibility for all members; our facilities comply with ADA standards to create an inclusive environment. While you can visit us at 234 Balsam St for all your banking needs, please note that official correspondence should be sent to our mailing address: 234 Balsam St, Ridgecrest, CA 93555-3856.

Join Us

As we look toward the future, we invite you to become part of the Navy Federal family. Experience firsthand how we blend tradition with innovation while staying dedicated to serving you and your community. To learn more about membership eligibility or open an account today, visit our website or call us at 888-842-6328. Together, let's build a brighter financial future!

Our Mission

Our mission at Navy Federal is simple yet profound: to serve our members with integrity while fostering a supportive community. We believe that everyone deserves access to fair and affordable financial services. Whether it's through personal banking options like checking and savings accounts or more specialized services such as auto loans and mortgages, we aim to empower our members to make informed decisions about their financial futures. We also prioritize community engagement. From local outreach programs to partnerships with various organizations, we strive to give back to Ridgecrest. Our efforts go beyond traditional banking; we actively participate in initiatives that uplift those around us.

Branch Location & Accessibility

Get in Touch

Have questions? Don't hesitate to call us at 888-842-6328. We invite you to come by our branch or reach out our team is eager to assist you in achieving your financial goals. Visit us today at Navy Federal Credit Union; we look forward to serving you!

Nearby Landmarks and Accessibility

Located near local favorites like the Ridgecrest Regional Hospital and just a short drive from the China Lake Naval Air Weapons Station, we are ideally situated for both residents and military personnel. Our branch features ample parking, ensuring that you can easily find a spot when you visit. Plus, we are ADA compliant, so everyone can access our services with ease.

Operating Hours

We understand that life gets busy! That's why our lobby is open Monday through Friday from 9 AM to 5 PM and on Saturday from 9 AM to 4 PM. If you're in a hurry, our drive-thru is also available during these hours, making it simple to handle quick transactions without leaving your vehicle.

Services Offered

At Navy Federal Credit Union, we offer a variety of services tailored to meet your financial needs. Whether you're interested in personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we've got you covered. Our ATM is available for cash withdrawals and balance checks around the clock, so you'll have access to your funds whenever you need them. While members can visit us at 234 Balsam St for all their banking needs, official correspondence should be sent to our mailing address: 234 Balsam St, Ridgecrest, CA 93555-3856.

Member Eligibility

At Navy Federal Credit Union, we believe that everyone deserves a chance to be part of a supportive and thriving community. Becoming a member is simple and welcoming, especially if you live, work, or worship in the area. We invite individuals who are affiliated with the military or are family members of current members to join us on this journey toward financial wellness. If you're curious about the specific eligibility criteria, you can find all the details at https://www.navyfederal.org/membership/eligibility .html . Opening an account at Navy Federal Credit Union is straightforward and can be done quickly online or by visiting us at our branch located at 234 Balsam St Ridgecrest Ca 93555. Whether you're looking for a checking account, savings options, or loans tailored to your needs, we have you covered. Plus, as a member, you'll enjoy personalized service and access to various benefits designed to help you achieve your financial goals. For any questions or assistance, don't hesitate to reach out at (888) 842-6328. We're excited to welcome you into our community!

Business Banking & Commercial Services

Lending Options

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

In addition to loans, our merchant services help streamline payment processes. Picture a retail store owner who needs quick and efficient ways to accept payments from customers. Our solutions make it easier for them to manage transactions, ensuring they can focus on what matters most running their business. Located at 234 Balsam St Ridgecrest Ca 93555 in Ridgecrest, CA, our dedicated team is here to assist you with all your business banking needs. Call us today at (888) 842-6328 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about getting a new car? Our Auto Loans & Vehicle Financing options help you drive away in your dream vehicle without breaking the bank. With competitive rates and flexible terms, financing your next car is straightforward and stress-free.

Business Banking Services

For small business owners, we offer tailored Business Banking services including merchant services and business loans. We understand that managing a business comes with its own set of challenges, which is why we're committed to supporting your growth with reliable financial products.

Convenient Access Points

Accessing your funds has never been easier with our ATM & Cash Withdrawal Services, available at various locations including our branch's ATM. For quick transactions like deposits and withdrawals, our Drive-Thru Banking service is convenient for those busy days when you're on the go. In addition to these services, we provide robust digital banking features that ensure you can handle all your banking needs effortlessly from home or on the move. If you're ready to explore how Navy Federal Credit Union can support your financial goals, don't hesitate to reach out! Give us a call at 888-842-6328 or visit us at our branch in Ridgecrest. We look forward to serving you!

Mortgage Solutions

Homeownership is more accessible with our Mortgage Loans & Refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our team is here to guide you through every step of the process.

Personal Banking Services

We offer Personal Banking solutions that include checking and savings accounts designed for everyday use. Imagine having easy access to your funds whenever you need them our online and mobile banking features make it simple to manage your accounts from anywhere. You can check balances, transfer money, and even pay bills right from your smartphone.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or want to simplify your finances, consider our Personal Loans & Debt Consolidation options. We can help you combine multiple debts into one manageable monthly payment, giving you peace of mind.

Rewarding Credit Cards

Don't forget about our Credit Cards with Rewards! Use them for everyday purchases and earn points that can be redeemed for travel, merchandise, or cash back. It's an easy way to get more from what you already buy.

Digital & Online Banking

Mobile Application & Payments

Our user-friendly mobile application allows you to bank anytime, anywhere. With features like mobile payments, you can make purchases with just a tap of your phone. Plus, the app offers person-to-person transfers, making it simple to send money to friends and family without hassle.

Online Banking Services

With our 24/7 online banking services available at https://www.navyfederal.org/ , you can access your accounts whenever you need. Check your balance, transfer funds, and pay bills right from your computer or mobile device. It's all about making banking work for you, no matter where life takes you.

Security & Accessibility

Your security is our top priority. We offer electronic signature authorization for added protection when handling sensitive transactions. You can also opt for e-statements, giving you easy access to your financial records while helping the environment by reducing paper waste. At Navy Federal Credit Union, we strive to make every banking experience smooth and straightforward. With these digital tools at your fingertips, managing your money has never been more accessible or secure. Join us today and explore how our digital banking solutions can simplify your financial life!

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 maintaining a strong financial foundation that ensures your needs are met today and in the future. 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 robust; with $1.3192E+11 in total loans and leases including $1,023,510 in used auto loans, we support members' 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 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. In total, we manage 30,809,321 share accounts, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $1,127,735,547. 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 234 Balsam St Ridgecrest Ca 93555 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 options for both new and used vehicles, ensuring that you can find financing that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $227,844,936 provide the capital needed to grow and expand. We understand the unique challenges businesses face and work closely with you to find solutions that fit your business model. At Navy Federal Credit Union, we also offer refinancing options for existing loans, making it easier for you to manage payments or reduce interest rates. If you're unsure about eligibility or how to start the application process, our team is ready to assist you every step of the way. For more information or to discuss which loan option may be right for you, 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. Let us help you take the next step towards achieving your financial dreams today!

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 are here to guide you through the process and help you understand all available options.

Unsecured Credit Cards

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

Loan Aggregator

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NAVY FEDERAL CREDIT UNION

Type of Loan Offerings

Home Equity Loans

Personal Loans

Student Loans

Vehicle Loans