Navy Federal Credit Union

Nestled in the heart of San Diego’s historic Liberty Station, Navy Federal Credit Union at 2400 Historic Decatur Rd warmly welcomes military members, veterans, and their families to a trusted financial partner. Open Monday through Friday from 9:00 a.m. to 5:00 p.m. and Saturdays until 4:00 p.m., this branch offers convenient ATM services for quick cash withdrawals and balance checks, ensuring your money is always within easy reach.
Renowned for providing some of the best auto loans with competitive rates and flexible terms, Navy Federal makes vehicle financing simple and affordable so you can drive away with confidence. Homebuyers will also appreciate low mortgage loans and refinancing options designed to make owning a home in San Diego more attainable.
Beyond lending, this full-service branch offers personal banking solutions including checking and savings accounts tailored for everyday 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 let you manage your finances anytime, anywhere.
Visit Navy Federal Credit Union at 2400 Historic Decatur Rd or call 888-842-6328 today to experience personalized guidance and discover how our top-rated 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, where our commitment to serving you is at the heart of everything we do. Located at 2400 Historic Decatur Rd, San Diego, CA 92106, our branch has been a trusted financial partner since 1947. With a robust membership of over 14 million, we strive to provide not just banking services, but also a sense of community and belonging. At Navy Federal, we understand that your financial goals are unique. That's why we offer a wide range of services tailored to meet your needs, including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our total assets exceed $180 billion, reflecting our strength and stability in the financial landscape. We're proud to say that our members have entrusted us with $2.32 billion in deposits. Our leadership team, under the guidance of CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., is dedicated to ensuring that each member receives exceptional service. With a team of over 24,500 employees, we're here to help you every step of the way. Whether you're looking to finance your dream car or save for your future, we have the resources and expertise to support you. While members can visit us at our San Diego branch for all their banking needs, official correspondence should be sent to the same address: 2400 Historic Decatur Rd, San Diego, CA 92106. Ready to take the next step? Call us at 888-842-6328 or visit our website at navyfederal.org for more information on how we can assist you in achieving your financial goals today!

Branch History & Mission

Our Mission

At Navy Federal Credit Union, we believe in more than just banking; we believe in building relationships. Our mission is to provide exceptional service while helping our members achieve their financial goals. Whether it's through offering competitive rates on auto loans or providing resources for home financing and personal loans, we are dedicated to making a positive impact in the lives of our members. We strive to create an environment where everyone feels valued and supported. Our focus extends beyond financial transactions; we actively engage in community outreach programs that benefit local initiatives. By partnering with organizations that align with our values, we aim to uplift those around us and contribute meaningfully to the communities we serve. While members can visit us at 2400 Historic Decatur Rd, official correspondence should be sent to 2400 Historic Decatur Rd, Ste 101, San Diego, CA 92106 if necessary. We invite you to take advantage of our operating hours: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 4 PM. As part of our commitment to accessibility, we offer ATM services for your convenience and ensure ADA compliance across all platforms. While there is no drive-thru service available at this location, our lobby is open for your banking needs. Join us today at Navy Federal Credit Union in San Diego, CA! Experience the benefits of membership where your financial well-being is at the heart of everything we do. Whether you're looking for assistance with savings accounts or seeking guidance on loans, we're here to support you every step of the way. For any questions or assistance, feel free to call us at 888-842-6328. Welcome aboard!

Branch Location & Accessibility

Call Us Today!

If you have any questions or need assistance, don't hesitate to reach out! You can call us at 888-842-6328. We look forward to welcoming you into our branch and helping you achieve your financial goals!

Convenient Access

At Navy Federal Credit Union, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure everyone can access our services with ease. Plus, we offer an ATM on-site for quick cash withdrawals and balance checks whenever you need them.

Nearby Landmarks

When you visit us at our San Diego branch, you'll find yourself in a lively community filled with attractions. Take a stroll along the waterfront or enjoy a meal at one of the nearby restaurants before or after your banking visit. While members can visit us at 2400 Historic Decatur Rd, official correspondence should be sent to the same address for convenience.

Operating Hours

We know that your time is valuable. That's why our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 4 PM, making it easy for you to stop by after work or during the weekend.

Member Eligibility

At Navy Federal Credit Union, we believe that joining our community is more than just opening an account; it's about becoming part of a supportive family that values your financial well-being. If you're wondering whether you can become a member, let me share some good news! Membership is open to individuals who are affiliated with the military, Department of Defense, or certain civilian employees and contractors. Even if you don't fit into these categories, there may still be pathways to join us, so don't hesitate to check out the full eligibility details at https://www.navyfederal.org/membership/eligibility.html. Once you see how easy it is to qualify, you'll discover the amazing benefits of being a member at Navy Federal Credit Union from competitive rates on loans and savings accounts to exclusive member services designed just for you. Ready to get started? Opening an account is a breeze! You can begin your journey online by visiting https://mymembership.navyfederal.org/#/milestones, or if you prefer, feel free to reach out to us at (888) 842-6328 for any questions. We're excited to welcome you into our community at 2400 Historic Decatur Rd San Diego Ca 92106!

Business Banking & Commercial Services

Business Loans That Fuel 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 Simplify Transactions

Imagine running your business with ease, where payment processing is smooth and efficient. Our merchant services do just that. Whether you're selling products online or managing in-person transactions, we provide tools that help streamline payments, allowing you to focus on what matters most growing your business. Visit us at 2400 Historic Decatur Rd San Diego Ca 92106 in San Diego, CA or call us at (888) 842-6328 to learn how we can help you achieve your business goals.

Comprehensive List Of Services

ATM Access & Cash Withdrawal Services

Need cash? Our branch provides access to ATMs for quick withdrawals and balance checks. No matter where life takes you in San Diego, rest assured that accessing your funds is straightforward. At Navy Federal Credit Union, we're committed to helping you navigate your financial journey with ease. If you're interested in learning more about any of our services or opening an account, don't hesitate to reach out! Call us at 888-842-6328 or visit us at our San Diego branch today!

Auto Loans and Vehicle Financing

Looking to purchase a new car? Our auto loans and vehicle financing options provide flexible terms and competitive rates to help you get on the road without breaking the bank. Imagine driving off in your dream car while enjoying manageable monthly payments!

Business Banking Services

For entrepreneurs, we offer specialized business banking services, including merchant services and business loans, tailored to support your business's growth and success. We know how hard you work; let us help take care of your financial needs.

Convenient Digital Banking

In today's fast-paced world, convenience matters. With our online and mobile banking, managing your finances is just a few taps away. You can check balances, transfer funds, pay bills, and even make person-to-person payments easily from anywhere.

Home Financing Options

Owning a home is a big step, and we're here to assist you with that journey through our mortgage loans and refinancing options. Whether you're buying your first home or looking to refinance an existing mortgage for better rates, our team will guide you every step of the way.

Personal Banking Solutions

We understand that managing your finances can be challenging. That's why we offer personal banking services such as checking and savings accounts designed to fit your lifestyle. Whether you're saving for a vacation or managing daily expenses, our accounts come with features that make banking easy and convenient.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the funds you need quickly. This service helps simplify your financial life by combining multiple debts into one easy payment.

Rewarding Credit Cards

Our credit cards with rewards give you the chance to earn points on everyday purchases. Picture this: every time you swipe your card, you're getting closer to that next getaway or special treat.

Digital & Online Banking

Additional Services

Need to send money quickly? Our person-to-person transfer feature makes it simple to share funds with friends or family in real time. And if you're always on the move, take advantage of our mobile payments feature to make purchases directly from your phone no cash or cards needed! At Navy Federal Credit Union, we're committed to providing secure and user-friendly services that fit seamlessly into your daily life. Explore all these digital options and more by visiting us at https://www.navyfederal.org/ today!

Key Features

Our online banking platform allows you to check balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, managing your money has never been more straightforward. Plus, we offer electronic signature authorization, so you can sign documents securely and conveniently without needing to visit a branch. You'll also appreciate the option of e-statements, which provide a paperless way to keep track of your financial activity while helping you stay organized. If you prefer using your smartphone, our mobile application lets you manage your accounts right from the palm of your hand.

Financial Strength

A Solid Foundation

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.

Committed Workforce

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. Total Share Accounts stand at 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 2400 Historic Decatur Rd San Diego Ca 92106 or call 888-842-6328 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

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.

Reinvesting in Your Future

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 supports members' financial goals across various sectors with $1.3192E+11 in total loans and leases and $1,023,510 in used auto loans.

Loan Offering

Additional Options

For those looking for business solutions, our outstanding commercial loans totaling $227,844,936 provide the capital needed to grow and expand your business ventures. We also have eligibility options and refinancing opportunities available for many of our products. If you're uncertain about which option is right for you, don't hesitate to reach out! Our friendly staff is ready to assist you at (888) 842-6328 or visit us at our branch located at 2400 Historic Decatur Rd San Diego Ca 92106 in San Diego, CA. 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 your financial needs are, Navy Federal Credit Union is here to support you every step of the way. Let's work together to find the right loan solution for you!

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. Whether you're interested in financing a brand-new vehicle or need a reliable used car, we have solutions that fit your budget.

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 believe that owning a home should be an achievable goal for everyone, and our dedicated team is here to guide you through the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why 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. Enjoy peace of mind knowing you have access to funds when you need them most.

Loan Aggregator

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