Navy Federal Credit Union

Nestled in the bustling Bernardo Center of San Diego, Navy Federal Credit Union at 17030 Bernardo Center Dr warmly welcomes military members, veterans, and their families to a trusted financial partner. Open Monday through Friday from 9:00 a.m. to 5:30 p.m. and Saturdays until 4:00 p.m., this branch offers convenient ATM services for quick cash withdrawals and balance checks, making everyday banking straightforward and accessible.
Known for delivering some of the best auto loans with competitive rates and flexible financing options, Navy Federal helps you get behind the wheel with confidence. Homebuyers will also benefit from low mortgage loans and refinancing solutions tailored to make owning a home in San Diego more attainable. Alongside lending, enjoy personal banking products like checking and savings accounts designed for daily convenience, credit cards packed with rewarding perks, business banking support including merchant services and business loans, plus personal loans for debt consolidation.
Although there is no drive-thru service, user-friendly online and mobile banking platforms provide seamless access anytime. Visit Navy Federal Credit Union at 17030 Bernardo Center Dr or call 888-842-6328 today to experience personalized guidance and discover how our top-tier auto loans and mortgage offerings can help you reach 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

At Navy Federal Credit Union, we believe in the power of community and the importance of financial trust. Since our establishment in 1947, we've been dedicated to serving our members with integrity and care. Located at 17030 Bernardo Center Dr, San Diego, CA 92128, we provide a welcoming space for all your financial needs. With over 14 million members, our commitment to personalized service is unwavering. We manage total assets of more than $180 billion and boast a solid net worth of $21.49 billion. Our focus on delivering value is evident through our total deposits of $2.32 billion and loans exceeding 8.38 million. Whether you're looking for auto loans, mortgage options, or business banking services, we have solutions tailored just for you. While you can visit us directly at our branch, please note that official correspondence should be sent to the same address: 17030 Bernardo Center Dr, San Diego, CA 92128. Our friendly team of 24,560 employees, led by CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., is here to support you every step of the way. We invite you to explore the range of services we offer, from personal banking and credit cards with rewards to online and mobile banking features that make managing your finances easier than ever. For any inquiries or assistance, feel free to reach out at 888-842-6328. Join us today and experience firsthand how Navy Federal Credit Union puts members first! Visit our website at navyfcu.org for more information or stop by our branch we're here for you!

Branch History & Mission

Community Commitment

Navy Federal Credit Union is deeply rooted in community engagement. We actively participate in local events and initiatives that support education, health care, and economic development. By partnering with various organizations and local leaders, we strive to create a positive impact in San Diego and beyond. As part of our ongoing commitment to accessibility, we maintain ADA compliance standards throughout our facilities. This ensures all members can fully utilize our services without barriers. We invite you to join us at Navy Federal Credit Union where your dreams meet dedicated support! Experience firsthand how we can help you navigate your financial journey with confidence. For more information or to become a member today, please call us at 888-842-6328 or visit us online at Navy Federal.

Our Mission

At Navy Federal, our mission is clear: to enhance the financial well-being of our members through quality service and competitive products. We believe that financial literacy and accessibility are key to empowering individuals. Whether it's through checking and savings accounts, auto loans, mortgages, or credit cards with rewards, we aim to meet the diverse needs of our members. While members can visit us at 17030 Bernardo Center Dr, official correspondence should be sent to the same address since it serves as both our branch and mailing location. Our lobby hours are convenient for our community: Monday through Friday from 9 AM to 5:30 PM and Saturday from 9 AM to 4 PM. In addition to traditional banking services, Navy Federal embraces technology with features like online banking, mobile payments, and e-statements. We ensure that every member has access to their accounts whenever they need it.

Branch Location & Accessibility

A Full Range of Services

While visiting our branch, you'll find a variety of personal banking services ready to help you achieve your financial goals. From checking and savings accounts to auto loans and mortgage refinancing, we've got all your banking needs covered under one roof. Plus, with ATM availability right on-site, cash withdrawals and balance checks are quick and easy.

Convenient Hours Just for You

We understand that your time is valuable. That's why our lobby hours are tailored to fit your schedule: Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 4:00 PM. Whether you're stopping by after work or on the weekend, we're here to assist you when it's most convenient for you.

Easy Access for Everyone

At Navy Federal Credit Union, we prioritize accessibility. Our branch is equipped with features that comply with ADA standards, ensuring everyone can easily enter and navigate our space. We offer ample parking for our members, so you can visit us without worrying about finding a spot.

Get in Touch Today!

Have questions or want to learn more? Don't hesitate to reach out! You can call us at 888-842-6328 or simply drop by our branch. We're excited to welcome you into the Navy Federal family and help you navigate your financial journey!

Member Eligibility

Becoming a member of Navy Federal Credit Union is like joining a family that truly cares about your financial well-being. If you're wondering if you're eligible, the good news is that many people can join! Generally, if you have ties to the military or Department of Defense, you might already qualify. Even if you don't, there are options available for you to become a member and enjoy all the benefits we offer. For specific details about eligibility, feel free to check out our resource at https://www.navyfederal.org/membership/eligibility.html. Opening an account is just as straightforward! You can start this exciting journey toward financial empowerment by visiting us in person at our location at 17030 Bernardo Center Dr San Diego Ca 92128, or you can find everything you need online at https://mymembership.navyfederal.org/#/milestones. If you have any questions along the way, don't hesitate to reach out to us at (888) 842-6328. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services for Everyday Needs

In addition to loans, we offer merchant services that make everyday transactions easier. Picture this: a busy café owner seamlessly processing credit card payments while managing orders at the counter. Our tools enable businesses like yours to operate efficiently and serve customers effectively. Located conveniently at 17030 Bernardo Center Dr San Diego Ca 92128 in San Diego, CA, we're here to provide the resources you need to thrive. For more information or assistance, give us a call at (888) 842-6328. Let's work together to help your business reach its full potential!

Tailored 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.

Comprehensive List Of Services

Business Banking Services

For our small business members, we provide tailored Business Banking options including merchant services and business loans. We know how vital it is for businesses to have reliable financial support, and our team is ready to assist in helping your business grow.

Convenient Access

Accessing your accounts has never been easier with our robust Online & Mobile Banking features. With tools like mobile payments and person-to-person transfers, managing your finances is just a few taps away. Plus, our ATM services offer basic functions like withdrawals and balance checks anytime you need them. At Navy Federal Credit Union in San Diego, CA, we are committed to helping our members achieve their financial goals with confidence and ease. Ready to explore all that we offer? Feel free to reach out at 888-842-6328 or visit us today! Your journey toward better financial management starts here!

Credit Cards with Rewards

Looking for ways to earn rewards on your everyday purchases? Our Credit Cards with Rewards allow you to earn points for travel, cash back, and more turning your spending into savings!

Personal Banking Solutions

Our personal banking services begin with Checking & Savings Accounts designed for everyday needs. Imagine having easy access to your funds and the ability to track your spending with user-friendly online and mobile banking platforms. This way, managing your money becomes simpler and more efficient. If you're considering purchasing a new car, our Auto Loans & Vehicle Financing options make it easy to get behind the wheel without breaking the bank. Our competitive rates ensure that you can find a loan that fits your budget perfectly. For those dreaming of homeownership, our Mortgage Loans & Refinancing services can guide you through every step of the process. We strive to make home buying as stress-free as possible by offering clear advice and flexible terms. In addition, we offer Personal Loans & Debt Consolidation solutions that can help you take control of your financial situation. Whether it's funding a big purchase or consolidating debt into manageable payments, we're here to support you.

Digital & Online Banking

At Navy Federal Credit Union, we understand that your time is valuable. That's why our digital and online banking services are designed to provide you with the convenience you need, all while keeping your information secure. Whether you're at home or on the go, managing your finances has never been easier. With our 24/7 online banking services available at https://www.navyfederal.org/, you can access your accounts anytime, anywhere. You can easily check balances, pay bills, and even set up e-statements to keep track of your finances without the clutter of paper statements. Plus, if you need to sign documents quickly, our electronic signature authorization feature allows you to do just that no more waiting for the mail! Managing payments is a breeze with our mobile payments feature. You can make purchases directly from your smartphone with just a few taps. And if you want to send money to friends or family, our person-to-person transfer service makes it simple and fast. For those who prefer using their mobile devices for banking, we have a user-friendly mobile application available. This app puts all your banking needs right in the palm of your hand, allowing you to check balances, transfer funds, and even deposit checks all from wherever you are. At Navy Federal Credit Union, we're committed to making banking accessible for everyone. With our intuitive tools and features, managing your finances in real-time is not only possible but easy and secure. Join us today and experience banking made simple!

Financial Strength

Commitment to Operational Excellence

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. 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.

Reinvesting in Member Services

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 also strong, with $1,023,510 in used auto loans and $131,920,000,000 in total loans and leases supporting members' financial goals across various sectors.

Secure Savings Opportunities

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.

Solid Capital 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 $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.

Trusted by Many

We have built trust within the community, as shown by our total share accounts of 30,809,321, reflecting a growing member base that relies on us for their financial needs. 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 17030 Bernardo Center Dr San Diego Ca 92128 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. Whether you're interested in financing a new or used vehicle, we've got you covered with flexible terms tailored to fit your budget.

Business Financing

For business owners looking for capital to grow and expand their ventures, our outstanding commercial loans totaling $227,844,936 are available. We strive to provide business financing solutions that meet your unique needs. At Navy Federal Credit Union in San Diego, CA, we prioritize your financial well-being and are here to help you navigate the various loan options available. For more detailed information about each product or to explore refinancing options that might suit you better financially, please visit us or call us 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.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $6,343,248,096, making buying or refinancing simple. We provide competitive rates and personalized service to guide you through every step of the process.

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 provide an easy way to make purchases while enjoying peace of mind knowing you have support when you need it.

Loan Aggregator

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