Navy Federal Credit Union

Nestled in the vibrant San Diego community, the Navy Federal Credit Union branch at 4365 Imperial Ave is your go-to destination for trusted financial solutions tailored to military members, veterans, and their families. Open Monday through Friday from 8:00 a.m. to 4:00 p.m. and Saturdays until 3:00 p.m., this location features convenient lobby and drive-thru services alongside a full-service ATM for quick cash withdrawals and balance checks—making banking both accessible and efficient.
Known for offering some of the best auto loans with competitive rates, Navy Federal helps you hit the road with confidence through flexible vehicle financing options designed to fit your budget. Homebuyers will also benefit from low mortgage loans and refinancing solutions that make owning a home in San Diego more attainable.
Beyond lending, this full-service branch provides personal banking products such as checking and savings accounts crafted for everyday convenience, credit cards loaded with rewarding perks, personal loans for debt consolidation, plus business banking services including merchant solutions and business loans. Visit Navy Federal Credit Union at 4365 Imperial Ave or call 888-842-6328 today to experience friendly local service and discover 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

A Community-Centric Approach

At Navy Federal, we believe in the power of community. Our focus is not just on numbers but on people our members. From personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards, we are here to help you achieve your financial goals. With total deposits reaching $2.32 billion and cash reserves of $2.19 billion, you can rest assured that your funds are secure with us.

Commitment to Your Success

We understand that navigating finances can be challenging, which is why we offer personalized support every step of the way. Whether you're looking for guidance on loans having facilitated over 8 million loans or seeking assistance with business banking solutions, our team is ready to help you succeed. While members can visit us at our branch location, official correspondence should be sent to the same address: 4365 Imperial Avenue, San Diego, CA 92113.

Connect with Us Today!

We invite you to explore what Navy Federal Credit Union has to offer by visiting us online at navyfcu.org or giving us a call at 888-842-6328. Your financial journey starts here! Let us support you in achieving your dreams today!

Leadership You Can Trust

Our leadership team is dedicated to fostering a supportive environment for our members. Under the guidance of CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., we strive for excellence in all aspects of our service. Together, they lead a talented workforce of 24,560 employees who are eager to assist you with any financial needs.

Branch History & Mission

Looking Forward

As we continue to grow and evolve with technology offering online banking and mobile payments our commitment remains unwavering: putting our members first. We also ensure ADA compliance so that all individuals can access our services without barriers. We invite you to join Navy Federal Credit Union today and experience firsthand the benefits of being part of a member-focused institution that truly cares about your financial well-being. Visit us or call us at 888-842-6328; let's work together towards a brighter financial future!

Our Mission

The mission of Navy Federal Credit Union is simple: to help our members achieve their financial goals while fostering a sense of belonging within the community. We understand that each member's journey is unique, which is why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Whether you are looking to buy your first home or consolidate debt, we are here to assist you every step of the way. In addition to financial services, we actively engage in community outreach efforts. From local partnerships to educational programs, we are dedicated to making a positive impact in San Diego. Our drive-thru banking service ensures convenience for those on the go, while our ATM availability allows easy access to cash whenever you need it. While members can visit us at 4365 Imperial Ave for all their banking needs, official correspondence should be sent to 4365 Imperial Avenue, San Diego, CA 92113 if different from our physical address.

Branch Location & Accessibility

Contact Us

If you have any questions or need assistance, don't hesitate to reach out! Call us at 888-842-6328. We invite you to come visit us at Navy Federal Credit Union on Imperial Avenue where great service meets community spirit!

Operating Hours

At Navy Federal Credit Union, we understand that life can be busy. That's why we offer flexible hours to serve you better. You can stop by our lobby Monday through Friday from 8 AM to 4 PM and on Saturdays from 8 AM to 3 PM. If you're on the go, take advantage of our drive-thru services during the same hours, making it even easier to manage your banking transactions without leaving your vehicle.

Services Offered

We provide a range of services tailored just for you, including personal checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. Need cash? Our ATM is available for quick withdrawals and balance checks whenever you need it. Plus, our drive-thru service allows you to make deposits and withdrawals with ease.

Member Eligibility

At Navy Federal Credit Union, we're excited to welcome you into our community where members enjoy personalized service and a range of financial benefits. Becoming a member is easy! If you live, work, worship, or attend school in our area, you're likely eligible to join us. We also serve active duty military members, veterans, and their families. To get all the details on eligibility criteria, feel free to visit our dedicated page at https://www.navyfederal.org/membership/eligibility.html. Here at Navy Federal Credit Union, we believe in fostering strong relationships with our members by offering tailored financial solutions that fit your unique needs. Opening an account is straightforward just head over to https://mymembership.navyfederal.org/#/milestones to start your journey with us today! If you have any questions or need assistance, don't hesitate to give us a call at (888) 842-6328. We can't wait for you to experience the benefits of being part of the Navy Federal Credit Union family!

Business Banking & Commercial Services

Business Loan 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

Imagine having the tools to make transactions effortless for your customers. Our merchant services allow you to accept payments seamlessly whether it's through card readers or online payment gateways. This not only enhances customer satisfaction but also streamlines your operations, giving you more time to focus on what you do best: running your business. Visit us at 4365 Imperial Ave San Diego Ca 92113, San Diego, CA, or call us at (888) 842-6328 to discover how we can partner with you on your path to success!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and business owners, Navy Federal offers specialized business banking services including merchant services and business loans. We understand that running a business comes with unique challenges, which is why we provide tailored solutions to help you thrive.

Credit Cards with Rewards

Looking for a credit card? Our credit cards come with rewards programs that allow you to earn points on everyday purchases. This means every dollar spent could bring you closer to something special be it travel rewards or cash back.

Digital Convenience

In today's fast-paced world, we know how essential it is for banking to be quick and easy. That's why we offer robust online and mobile banking options. Whether you want to pay bills online or use person-to-person payment features, everything is designed with your convenience in mind. Our friendly staff at Navy Federal Credit Union is always ready to assist you with any questions about our services. Feel free to reach out by calling us at 888-842-6328 or visit us during our lobby hours from Monday through Friday, 8 AM 4 PM (and Saturdays from 8 AM 3 PM). We invite you to explore all that we offer and see how we can help enhance your financial well-being!

Easy Access to Funds

We also prioritize easy access to your money through our ATM and cash withdrawal services. With an ATM available right at our branch, you'll be able to withdraw cash or check balances without hassle. Our drive-thru banking allows for quick deposits and withdrawals without leaving your car ideal for busy days when time is of the essence.

Loans for Every Need

When it comes to financing, we've got you covered. If you're in the market for a new vehicle, our auto loans and vehicle financing options provide competitive rates that fit your budget. Planning to buy a home? Our mortgage loans and refinancing services can help turn that dream into reality. For personal projects or unexpected expenses, our personal loans and debt consolidation options are here to assist you in managing your finances more effectively.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are designed with you in mind. We offer various options that help manage your daily finances effectively. Imagine having the ability to easily access your funds through our online and mobile banking platforms. You can check balances, make transfers, and even deposit checks right from your smartphone making banking as convenient as possible.

Digital & Online Banking

Key Features

Our online banking platform is not just user-friendly; it's also packed with features that make managing your money straightforward. You can easily check your balances, view transaction history, and transfer funds all from the comfort of your home or on the go. Need to send money to a friend? Our person-to-person transfer feature makes this quick and hassle-free. Security is our top priority. We offer electronic signature authorization, ensuring that your transactions are protected every step of the way. Plus, with e-statements available, you can receive important account information securely in your inbox without worrying about paper clutter.

Mobile Convenience

With our mobile application, available for both iOS and Android devices, you can take control of your finances right from your pocket. Make mobile payments effortlessly at stores or online just tap and go! Whether you're shopping or paying bills, everything is just a few taps away. We know life gets busy, so we strive to provide accessible options for all our members. With our digital banking services at Navy Federal Credit Union, staying on top of your finances has never been easier or more secure. Join us today and experience banking that fits your 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 proud to share insights into our financial strength, which illustrates how we safeguard your interests and ensure that you can trust us with your financial future. 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 supports your financial goals across various sectors with $1,023,510 in used auto loans and a total of $131,920,000 in loans and leases. While our net income is currently $0, it reflects our commitment to operating efficiently while focusing on serving you. 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. 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 4365 Imperial Ave San Diego Ca 92113 or call 888-842-6328 to learn more about how we can help you achieve your financial goals.

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. Whether you're interested in financing a brand-new vehicle or a reliable used one, our team is here to help you navigate through your options.

Business Loans

For business owners, our outstanding commercial loans totaling $227,844,936 provide the capital needed to grow and expand. Whether you're looking for funding for equipment purchases or working capital, our business lending solutions are designed with your success in mind.

Eligibility and Refinancing Options

If you're considering refinancing an existing loan or are curious about eligibility options for any of our products, we encourage you to reach out. Our team at Navy Federal Credit Union is dedicated to helping you find the best solution tailored for your financial situation. To learn more about our loan offerings or if you have any questions, feel free to contact us at (888) 842-6328 or visit us at our branch located at 4365 Imperial Ave San Diego Ca 92113. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to assisting you!

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 provide flexible terms and competitive rates to ensure that your path to homeownership is as smooth as possible.

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 features designed to suit your spending habits while providing rewards and benefits tailored for you.

Loan Aggregator

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