Navy Federal Credit Union

Nestled in the vibrant San Diego community, the Navy Federal Credit Union branch at 10865 Black Mountain Rd is proud to serve military members, veterans, and their families with trusted financial solutions. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 4:00 p.m., this location 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 and vehicle financing options, Navy Federal makes it simple and affordable to drive away in your next car with competitive rates tailored to your budget. Homebuyers will also appreciate low mortgage loans and refinancing solutions designed to make owning a home in San Diego more attainable.
Beyond lending, this full-service branch offers personal banking products including checking and savings accounts built for everyday convenience, credit cards loaded with rewarding perks, personal loans for debt consolidation, plus business banking services supporting 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 10865 Black Mountain Rd or call 888-842-6328 today to experience personalized guidance and discover how our top-rated auto loans and mortgage options 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 in the heart of San Diego, California. Located at 10865 Black Mountain Rd, San Diego, CA 92126, we are proud to serve our community and offer a wide range of financial services tailored to meet your needs. Established in 1947, we have grown alongside our members and now proudly support over 14 million individuals with total assets exceeding $180 billion. At Navy Federal, we understand that your financial journey is unique. With a dedicated team of 24,560 employees, led by our CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., we are committed to providing exceptional service that puts you first. Our branch is equipped to assist you with everything from personal banking such as checking and savings accounts to auto loans, mortgages, and business banking solutions. Our commitment to the community is reflected in our impressive financial standing. With total deposits of $2,321,600,484 and a net worth of $21,492,783,754, we ensure that your money is not only safe but also working for you. We offer various loan options with a total of 8,384,529 loans and leases provided to our members. And for those looking to invest or save, our total shares deposited amount to more than $150 billion. While members can visit us at our branch location for personalized service, official correspondence should be sent to the same address: 10865 Black Mountain Rd, San Diego, CA 92126. We invite you to experience the difference at Navy Federal Credit Union. Whether you're looking for assistance with a new car purchase or planning for your future with a mortgage or investment account, we're here for you every step of the way. Feel free to call us at 888-842-6328 or visit our website at navyfcu.org to learn more about how we can help you achieve your financial goals today!

Branch History & Mission

Navy Federal Credit Union has a rich legacy that dates back to 1947, when it first opened its doors in the heart of San Diego, California. Since then, we have grown to serve over 14 million members, making us one of the largest credit unions in the nation. Our branch at 10865 Black Mountain Rd, San Diego, CA 92126, is not just a financial institution; it's a community hub dedicated to supporting our members through every stage of their financial journey. From our humble beginnings, Navy Federal has evolved significantly over the decades. We started with a mission to provide accessible and affordable financial services primarily for military families. Today, our commitment extends far beyond that initial vision. We take pride in offering a wide range of services including personal banking, auto loans, mortgage loans, and business banking solutions. With total assets exceeding $180 billion, we are well-equipped to meet the diverse needs of our growing membership base. Our mission is simple yet powerful: to serve our members with integrity while enhancing their financial well-being. We focus on providing exceptional service and creating meaningful relationships within our community. Whether it's through innovative digital banking options or personalized financial advice, we strive to empower our members to achieve their financial goals. At Navy Federal, we understand that accessibility matters. That's why we provide ATM availability at our branch and online banking options that allow members to manage their finances anytime, anywhere. While you can visit us at our physical location on Black Mountain Road, official correspondence should be sent to the same address for your convenience. Our operating hours are designed to accommodate busy lifestyles open Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 4 PM. Although we do not offer drive-thru service at this location, our friendly staff is always ready to assist you inside. We believe in giving back to the communities we serve. Through various partnerships and outreach programs, we actively support local initiatives aimed at promoting financial literacy and improving the quality of life for residents in San Diego and beyond. If you're looking for a credit union that truly cares about its members and community, look no further than Navy Federal Credit Union. Join us today and experience firsthand how we can help you thrive financially! For more information or assistance, feel free to call us at 888-842-6328 or visit us online at navyfcu.org.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Our branch is situated near popular landmarks such as the Mira Mesa Community Park and close to shopping areas that many locals frequent. Parking is readily available, ensuring a hassle-free experience when you come to see us. Plus, our location is ADA compliant, featuring ramps and accessible entrances so everyone can visit comfortably.

Get in Touch

For any questions or if you'd like more information about what we offer, feel free to call us at 888-842-6328. We invite you to drop by our branch anytime; we're excited to assist you on your financial journey! While members can visit us at 10865 Black Mountain Rd for in-person services, official correspondence should be sent to the same address. Come see why being a member of Navy Federal Credit Union makes a difference!

Operating Hours and Services

We understand that life can get busy. That's why our lobby hours are designed to accommodate your schedule: we're open Monday through Friday from 9 AM to 6 PM, and Saturdays from 9 AM to 4 PM. Whether you need assistance with personal banking, auto loans, or mortgage services, our friendly staff is here to help! While we do not offer drive-thru services at this location, we are proud to provide ATM access for quick cash withdrawals and balance checks. If you're looking for a full range of services including personal loans and credit cards with rewards, you've come to the right place.

Member Eligibility

At Navy Federal Credit Union, we believe that becoming a member means joining a caring community where your financial needs truly matter. If you're looking to be part of our family, eligibility is quite straightforward! You can become a member if you are affiliated with the military, Department of Defense, or a family member of someone who is. This welcoming approach ensures that we can serve those who serve our country and their loved ones. For more specific details on eligibility criteria, feel free to explore our resource page at https://www.navyfederal.org/membership/eligibility.html. Once you're ready to take the next step, opening an account with us is easy and convenient. Just visit our account opening page at https://mymembership.navyfederal.org/#/milestones for all the information you need to get started. Should you have any questions, don't hesitate to reach out to us at (888) 842-6328. We're here to help you every step of the way as you join the Navy Federal Credit Union community located at 10865 Black Mountain Rd San Diego Ca 92126!

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

In addition to loans, we offer merchant services that make everyday transactions easier for you. Picture your customers enjoying a smooth checkout experience while you efficiently manage payments and sales data all thanks to our reliable merchant solutions. From credit card processing to online payment options, we provide tools that help you focus on what really matters: growing your business. Visit us at 10865 Black Mountain Rd San Diego Ca 92126 in San Diego, CA or call us at (888) 842-6328 to learn more about how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we offer specialized services such as merchant services and business loans that help you manage and grow your business effectively. Whether you need capital for expansion or tools to streamline transactions, we've got you covered.

Convenient Access

We know how important convenience is when it comes to managing your finances. That's why we provide easy access to an ATM where you can make withdrawals or check your balance anytime. Plus, with our mobile payment options and person-to-person transfers, sending money to friends or family is just a click away. At Navy Federal Credit Union in San Diego, CA, we're committed to making banking easier for our members through innovative solutions and personalized support. If you're ready to take the next step in managing your finances or have any questions about our services, feel free to give us a call at 888-842-6328 or visit us today! We look forward to helping you achieve all of your financial goals!

Home Financing Options

Homeownership is within reach with our mortgage loans and refinancing services. Whether you're buying your first home or looking to refinance an existing mortgage, our knowledgeable team will guide you through the process, making it easy and stress-free.

Personal Banking Solutions

For individuals seeking reliable banking options, our checking and savings accounts are designed to fit various lifestyles. Imagine easily managing your finances with the convenience of online and mobile banking. You can check your balance, transfer funds, and even pay bills from the comfort of your home or on the go. If you're thinking about purchasing a vehicle, our auto loans and vehicle financing options make it simple to drive away in your dream car without breaking the bank. We offer competitive rates tailored to your budget.

Support for Your Financial Goals

Need extra cash for a personal project or to consolidate debt? Our personal loans are available for those unexpected expenses or planned purchases. Additionally, if you want to earn rewards on your spending, explore our credit cards with rewards that give you more back while you shop.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which allows you to check balances, transfer funds, and pay bills right from your phone. Whether you're at home or on the go, managing your money has never been more straightforward. Plus, our electronic signature authorization makes it easy to sign documents securely without needing to visit a branch. E-statements are also available, giving you a paperless way to keep track of your transactions while reducing clutter in your mailbox. With e-statements, you'll receive notifications when new statements are ready, allowing you to stay informed about your financial activity at all times. For those who enjoy making quick payments, our mobile payments feature is perfect. You can easily send money to friends or family using person-to-person transfers no cash or checks needed! This feature is particularly helpful for splitting bills or sending gifts.

Security and Accessibility

At Navy Federal Credit Union, we prioritize the safety of your financial information. Our online banking services come with robust security measures to ensure that your data remains protected. You can bank with confidence knowing that we take every precaution necessary. With all these features combined, you have everything you need for real-time account management at your fingertips. Banking is now more accessible and user-friendly than ever before. Experience the ease of digital banking today with Navy Federal Credit Union!

Financial Strength

Committed Team

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, committed team. Our staff is dedicated to making your experience as smooth as possible.

Comprehensive Lending Support

Our lending capacity supports your financial goals across various sectors. With $1,023,510 in used auto loans and $131,920,000,000 in total loans and leases, we are here to help you navigate your borrowing needs confidently. Whether it's buying a car or managing personal expenses, we've got you covered.

Growing Member Base

Total Share and Deposit Accounts: 30,809,321, showing a strong and growing member base that trusts us with their finances. This growth reflects the value our members find in our services. In conclusion, 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 10865 Black Mountain Rd San Diego Ca 92126 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.

Member-Centric Focus

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. This focus means that every dollar deposited goes back into the community and serves our members' needs.

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. This commitment allows us to adapt to your evolving needs while maintaining a stable environment for your finances.

Secure Savings Options

Your savings are secure with us through $49,466,729,254 in share certificates and $24,197,620,142 in money market shares, offering stable and rewarding financial growth opportunities. These options are designed with your financial future in mind, providing peace of mind as you save for what matters most.

Strong Financial Health

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. This robust net worth reflects our commitment to serving you effectively while safeguarding your assets. Our net worth ratio of $1,181 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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 are interested in financing a brand-new model or a reliable used vehicle, our team is here to guide you through the process.

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 credit cards come with rewards programs that can add extra value to your purchases.

Credit Lines and Commercial Loans

If you're looking for additional flexibility, consider our total credit lines totaling $62,780,210,296. For business owners, our outstanding commercial loans totaling $227,844,936 provide the capital needed to grow and expand your business. At Navy Federal Credit Union, we are committed to offering competitive rates and personalized service. Our loan experts are ready to assist you in finding the right loan product that meets your specific needs. For more information about our loans and eligibility requirements, feel free to reach out at (888) 842-6328, or visit us at our branch located at 10865 Black Mountain Rd San Diego Ca 92126 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.

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 also provide tailored refinancing options that can lower your monthly payments and help you save money over time.

Loan Aggregator

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