Navy Federal Credit Union

Nestled in the heart of San Bernardino, Navy Federal Credit Union at 1049 Harriman Pl is more than just a branch—it’s a community hub dedicated to supporting military members, veterans, and their families with trusted financial services. Open Monday through Friday from 9:00 a.m. to 5:00 p.m. and Saturdays until 1:00 p.m., this location offers convenient ATM access for quick cash withdrawals and balance checks, making everyday banking hassle-free.
Renowned for providing some of the best auto loans and vehicle financing options, Navy Federal helps you hit the road with confidence thanks to competitive rates and flexible terms tailored to your budget. Whether you're planning to buy a new car or looking for low mortgage loans and refinancing solutions, this branch is ready to help you achieve your homeownership dreams in San Bernardino.
Beyond lending, enjoy comprehensive personal banking services including checking and savings accounts designed for convenience, credit cards loaded with rewarding perks, business banking support, and personal loans for debt consolidation. While there’s no drive-thru onsite, user-friendly online and mobile banking platforms ensure seamless access anytime.
Visit Navy Federal Credit Union at 1049 Harriman Pl or call 888-842-6328 today to experience local service and discover how our top-tier auto loans and mortgage products can empower your financial future!

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 partner in financial well-being located at 1049 Harriman Pl, San Bernardino, CA 92408. Since our establishment in 1947, we have proudly served over 14 million members, offering a range of financial services designed to help you achieve your goals. With total assets exceeding $180.8 billion and deposits amounting to $2.32 billion, we stand strong as a pillar of support within our community. At Navy Federal, we prioritize your needs. Our dedicated team, led by CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., is committed to providing personalized service and expert guidance. Whether you're looking for auto loans, mortgages, or personal banking solutions, we have the resources to assist you every step of the way. While members can visit us at our branch location, official correspondence should be sent to 1049 E Harriman Pl, San Bernardino, CA 92408-4203. We also ensure that your banking experience is convenient with services like online and mobile banking, ATMs for easy access, and more. Your financial journey is important to us. With total loans exceeding 8 million and a robust net worth of $21.5 billion, we are here to empower you towards better financial decisions. Explore how our offerings can make a difference in your life today! For more information or assistance, feel free to call us at 888-842-6328 or visit our website at navyfcu.org. We look forward to serving you!

Branch History & Mission

Community Engagement

Community outreach is a significant part of who we are. We actively participate in local events and initiatives aimed at improving the lives of those around us. Whether through partnerships with local organizations or volunteering efforts by our staff, we aim to uplift our community whenever possible. As part of our commitment to accessibility, our branch is ADA compliant and equipped with an ATM for your convenience. Though we do not currently offer drive-thru services or shared service centers, we focus on providing personalized service during lobby hours from Monday to Friday (9 AM - 5 PM) and Saturday (9 AM - 1 PM).

Join Us Today!

At Navy Federal Credit Union, we invite you to experience the benefits of membership firsthand. Join our growing family today and discover how we can assist you on your financial journey! For more information about joining or accessing services, please call us at 888-842-6328 or visit us online at Navy Federal Credit Union. Together, let's build a secure financial future!

Our Journey

Since opening our doors, Navy Federal Credit Union has evolved significantly. We began with a simple mission: to provide financial services tailored to the unique needs of our members. Over the years, we have expanded our offerings to include personal banking, auto loans, mortgages, credit cards, and business banking services. Our goal is not just to meet your financial needs but also to help you achieve your dreams. Located conveniently in San Bernardino, we are close to local landmarks that make us easily accessible for everyone. While members can visit us at 1049 Harriman Pl, official correspondence should be sent to our mailing address at 1049 E Harriman Pl, San Bernardino, CA 92408-4203.

Our Mission

At Navy Federal Credit Union, our mission is clear: we strive to serve our members with excellence by providing exceptional financial products and dedicated customer service. We believe in fostering strong relationships within our community while supporting their financial well-being. This commitment drives us every day as we work towards creating a brighter future for all. We take pride in being more than just a financial institution; we're your partner in achieving financial security. From offering competitive loan rates to innovative digital banking solutions like online banking and mobile payments, we are dedicated to making banking easier for you.

Branch Location & Accessibility

Convenient Access and Features

At Navy Federal Credit Union, we prioritize your convenience. Our branch offers ample parking and features that comply with ADA standards, ensuring easy access for everyone. While you can visit us at our main address, please note that official correspondence should be sent to our mailing address: 1049 E Harriman Pl, San Bernardino, CA 92408-4203.

Operating Hours That Fit Your Schedule

We understand that life can get busy! That's why we offer flexible operating hours to suit your schedule. You can visit us Monday through Friday from 9 AM to 5 PM and on Saturday from 9 AM to 1 PM. Whether you need assistance with personal banking, auto loans, mortgages, or credit card services, our friendly team is here to help during these hours.

Services Tailored to Your Needs

Our branch is equipped with an ATM for quick cash withdrawals and balance checks. While we currently do not have drive-thru banking available, our dedicated staff is ready to assist you in-person with any inquiries or transactions you may have. We also provide online and mobile banking options for those who prefer managing their accounts from the comfort of home.

Visit Us Today!

If you're looking for a reliable financial partner in San Bernardino County, look no further than Navy Federal Credit Union. Give us a call at 888-842-6328 or stop by our branch today! We can't wait to serve you and help you achieve your financial goals.

Member Eligibility

Becoming a member of Navy Federal Credit Union is like joining a warm and welcoming family that truly cares about your financial well-being. If you're interested in enjoying the benefits that come with membership, you'll be happy to know that eligibility is quite accessible. Anyone who serves or has served in the military, as well as their immediate family members, can join us. Additionally, if you're a Department of Defense employee or contractor, you're also welcome to apply. The process is straightforward, and you can find more details on our eligibility criteria by visiting this link. Once you confirm your eligibility, opening an account is just a few clicks away! Simply visit this page to get started on your journey with us. We're located at 1049 Harriman Pl San Bernardino Ca 92408, and if you have any questions along the way, feel free to give us a call at (888) 842-6328. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services designed to simplify transactions and improve efficiency. Imagine accepting payments effortlessly while focusing on what you do best running your business. From credit card processing to online payment solutions, our services help streamline operations so you can serve your customers better. Visit us at 1049 Harriman Pl San Bernardino Ca 92408 or call us at (888) 842-6328 to learn how we can support your business journey today!

Tailored Lending Solutions

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.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we offer comprehensive business banking solutions including merchant services and business loans. We understand the unique challenges of running a business, which is why we're committed to supporting local enterprises with the financial tools they need to thrive.

Credit Cards with Rewards

Our credit cards come loaded with rewards, offering benefits that can help you save money on everyday purchases. Whether you're planning a vacation or just want to earn cashback on groceries, our cards provide flexibility and value tailored to your lifestyle.

Digital Banking Convenience

At Navy Federal Credit Union, convenience is key. Our online and mobile banking services allow you to manage your accounts from anywhere at any time. You can easily transfer funds, pay bills, or deposit checks right from your smartphone or computer. Plus, with access to ATMs for cash withdrawals and balance checks, staying on top of your finances has never been easier. We invite you to visit us at Navy Federal Credit Union in San Bernardino, where our friendly staff is ready to assist you. If you have questions or want more information about how our services can benefit you, feel free to give us a call at 888-842-6328. Let us help you achieve your financial dreams today!

Home Financing Solutions

Thinking about buying a home? Our mortgage loans and refinancing services are here to guide you through the process. We understand that securing a home loan can be daunting, so our team will support you every step of the way, ensuring you find the best mortgage option for your situation.

Personal Banking Services

Managing your personal finances is made easy with our comprehensive personal banking options. We offer checking and savings accounts that help you keep your money secure while earning interest. For those looking to purchase a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms, making it simple to drive away in your dream car.

Personal Loans & Debt Management

If you're dealing with multiple debts or need extra funds for a special project, our personal loans and debt consolidation options can help simplify your financial obligations. With tailored repayment plans, you'll find it easier to manage your budget and reach your financial goals.

Digital & Online Banking

Key Features

One of the standout features we offer is electronic signature authorization. This means you can sign documents online without needing to visit a branch. It's all about making things easier for you while keeping your information secure. If you're someone who prefers going paperless, you'll appreciate our e-statements option. Receive monthly statements directly in your email and keep track of your finances without the clutter of paper. For those who love mobile convenience, our mobile application is a must-have. With it, you can not only manage your accounts but also take advantage of mobile payments. Imagine the ease of paying for groceries or dinner right from your phone! Another fantastic feature is person-to-person transfers. Sending money to friends or family has never been simpler just a few taps on your phone and you're done! In summary, Navy Federal Credit Union provides robust digital banking solutions tailored to fit your lifestyle. Experience the freedom of managing your finances on-the-go with confidence and ease!

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 proud to share insights about our financial health, which demonstrates our commitment to serving you with confidence. 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 illustrates 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 supports your financial goals across various sectors with $1.3192E+11 in total loans and leases and $1,023,510 in used auto loans. While our current net income is $0, it reflects our operational efficiency as we focus on providing value to our members rather than maximizing profits. 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 team dedicated to your needs. 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 1049 Harriman Pl San Bernardino Ca 92408 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 competitive financing options tailored to fit your budget and lifestyle. Plus, if you're considering refinancing your current auto loan, ask about our refinancing options that may lower your monthly payments.

Business Loans

For business owners seeking capital to grow and expand their operations, our outstanding commercial loans totaling $227,844,936 provide the necessary funding solutions. Connect with our business banking team to explore how we can support your ventures. At Navy Federal Credit Union in San Bernardino, CA, we are committed to offering diverse loan products that meet the unique needs of our community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what you're aiming for financially be it purchasing a vehicle or owning a home we're here to help make it happen. Visit us today or call us at 888-842-6328 to learn more about how our loan offerings can assist you on your journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer loans for Junior Lien 1-4 Family Residential Properties totaling $6,343,248,096. Our knowledgeable staff is here to guide you through the process so you can find a solution that fits your needs.

Unsecured Credit Card Loans

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. These cards come with features designed to give you control over your spending while providing rewards for everyday purchases.

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