Navy Federal Credit Union

Nestled in the vibrant community of San Marcos, the Navy Federal Credit Union branch at 709 Center Dr is proud to serve military members, veterans, and their families with trusted financial solutions. Open Monday through Friday from 9:00 a.m. to 5:30 p.m. and Saturdays until 4:00 p.m., this location offers convenient ATM access for quick cash withdrawals and balance checks, making everyday banking effortless.
Renowned for providing some of the best auto loans with competitive rates and flexible terms, Navy Federal makes vehicle financing simple so you can drive away with confidence. Homebuyers also benefit from low mortgage loans and refinancing options designed to help make owning a home in San Marcos more attainable.
Beyond lending, this full-service branch offers personal banking products such as checking and savings accounts built for daily convenience, credit cards loaded with rewarding perks, business banking services including merchant solutions and business loans, plus personal loans for debt consolidation. While there is no drive-thru onsite, user-friendly online and mobile banking platforms allow you to manage your finances anytime.
Visit Navy Federal Credit Union at 709 Center Dr or call 888-842-6328 today to experience personalized service and discover how our top-tier auto loans and mortgage options 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

Welcome to Navy Federal Credit Union, where your financial journey is our priority! Located at 709 Center Dr, San Marcos, CA 92069, we have been serving our members since 1947. With a strong commitment to community and member satisfaction, we are proud to support over 14 million members with a wide range of banking services tailored just for you. At Navy Federal, our total assets stand at an impressive $180.81 billion, ensuring that we have the resources to meet your needs. Our total deposits amount to $2.32 billion, reflecting the trust and confidence our members place in us. We also boast a robust net worth of $21.49 billion, highlighting our stability and commitment to providing exceptional service. Our dedicated team of 24,560 employees works tirelessly to ensure that you receive the best possible experience. Led by our CEO, Dietrich Kuhlmann, and Board President, Edward Cochrane Jr., we prioritize transparency and community engagement in everything we do. While members can visit us at our branch location, official correspondence should be directed to the same address: 709 Center Dr, San Marcos, CA 92069. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or mortgage services, we've got you covered! Our online and mobile banking platforms make managing your finances easier than ever. Ready to take the next step? Call us today at 888-842-6328 or explore more about our services at navyfcu.org. Join us in achieving your financial goals together!

Branch History & Mission

Join Us

As we look ahead, we invite you to be part of our journey. With a strong foundation built on trust and community support, Navy Federal Credit Union is excited about what the future holds. If you're looking for a financial partner that genuinely cares about your success, join us today! Experience the benefits of membership by visiting us or calling 888-842-6328. Together, let's build a stronger financial future!

Our Evolution

From humble beginnings, Navy Federal has evolved significantly over the decades. What started as a small credit union for military personnel has blossomed into one of the largest credit unions in the nation. Our commitment to providing accessible financial services has driven our growth and allowed us to adapt to the changing needs of our members. We continuously strive to enhance our offerings, ensuring that we are equipped to support our diverse membership effectively. Our branch is conveniently located near local landmarks, making it easy for members to access our services. With a dedicated team ready to assist, we aim to create a welcoming atmosphere where everyone feels valued. While members can visit us at 709 Center Dr, official correspondence should be sent to 709 Center Dr, Ste 102, San Marcos, CA 92069.

Our Mission

At Navy Federal Credit Union, our mission is clear: we are here to serve you and your financial needs with integrity and respect. We believe that everyone deserves access to quality banking services that empower them to achieve their financial goals. Our range of products includes checking and savings accounts, auto loans, mortgage loans, personal loans, and credit cards with rewards tailored for our members' unique lifestyles. We are committed not only to offering excellent financial products but also to supporting our community through outreach initiatives and partnerships with local organizations. By investing in the communities we serve, we help foster growth and opportunity for all. In addition to traditional banking services, we've embraced digital advancements that make banking easier for our members. From online banking and mobile payments to e-statements and person-to-person transfers, we're dedicated to enhancing your banking experience while ensuring compliance with accessibility standards.

Branch Location & Accessibility

Convenient Access and Parking

At Navy Federal Credit Union, we prioritize your convenience. Our branch features ample parking space, ensuring that you can find a spot with ease. We are committed to accessibility, with ADA-compliant features so that all members can visit us comfortably.

Operating Hours That Fit Your Schedule

We understand that life can get busy! That's why our lobby is open 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 during your lunch break or after work, we're here to help you with all your banking needs.

Services Tailored to You

Our branch offers a wide range of services designed to meet your financial goals. From personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Additionally, members can enjoy ATM access for quick cash withdrawals and balance checks whenever needed. While members can visit us at 709 Center Dr for in-person assistance, official correspondence should be sent to the same address. If you have any questions or need assistance, feel free to call us at 888-842-6328. We invite you to stop by Navy Federal Credit Union today and see how we can support your financial journey!

Member Eligibility

At Navy Federal Credit Union, becoming a member feels like joining a warm, welcoming family where your financial well-being is our top priority. If you live, work, worship, or attend school in the area, you're likely eligible to join us! We also extend membership to your immediate family members, making it easier for everyone to benefit from the unique services we offer. Our members enjoy various advantages, including lower rates on loans and higher returns on savings. It's all about supporting each other and building a brighter financial future together. To learn more about the specific eligibility criteria and see if you qualify, feel free to check out this resource. When you're ready to open an account, just visit us at our branch located at 709 Center Dr San Marcos Ca 92069 or give us a call at (888) 842-6328. Joining is simple and straightforward let's take this exciting step toward your financial goals together!

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 simplify payment processing for your business. Imagine being able to accept payments effortlessly whether you're at a bustling market or running an online store. Our services provide quick transactions and easy integration with your existing systems, ensuring you can focus on what you do best running your business. Ready to take your business to the next level? Stop by Navy Federal Credit Union at 709 Center Dr San Marcos Ca 92069 or call us at (888) 842-6328 to learn more about how we can assist you!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, we offer specialized services like Merchant Services & Business Loans. We understand that managing a business requires unique financial solutions, and we're here to help you thrive in today's marketplace.

Convenient Digital Banking

To make banking easier than ever, we provide robust Online & Mobile Banking features. You can manage your accounts from anywhere pay bills, transfer funds, or check balances with just a few taps on your smartphone. Our ATM services ensure that cash withdrawal is quick and accessible whenever you need it.

Personal Banking Solutions

Navigating personal finance can be overwhelming, but with our Checking & Savings Accounts, you can rest easy knowing your money is secure while earning interest. If you're thinking about buying a car, our Auto Loans & Vehicle Financing options make it easy and affordable to get behind the wheel of your dream vehicle. For those considering home ownership or refinancing an existing mortgage, our Mortgage Loans & Refinancing services are designed with competitive rates and flexible terms to fit your lifestyle.

Support for Everyday Needs

Life can bring unexpected expenses, and that's where our Personal Loans & Debt Consolidation options come in handy. Whether you need funds for an emergency or want to consolidate debt into one manageable payment, we have solutions tailored for you. Plus, our Credit Cards with Rewards allow you to earn points on your everyday purchases who doesn't love getting rewarded for spending?

Visit Us Today!

We invite you to explore all the ways Navy Federal Credit Union can assist you in achieving your financial goals. Our friendly staff is ready to answer any questions you may have or help you get started with any of our services. Feel free to reach us at 888-842-6328 or visit us in person during our lobby hours: Monday through Friday from 9:00 AM to 5:30 PM and Saturday from 9:00 AM to 4:00 PM. With comprehensive services designed just for you, let's take the next step together toward a brighter financial future!

Digital & Online Banking

Key Features

Our online banking service provides 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills with just a few clicks. Whether you're at home or on the go, managing your money has never been easier. Plus, our mobile application enhances this experience further, letting you handle transactions right from your smartphone. When it comes to security, you can feel confident knowing that your information is protected. We offer electronic signature authorization for added security when signing documents online. Additionally, e-statements are readily available, giving you an eco-friendly way to keep track of your financial statements without cluttering your inbox.

Real-Time Transactions

Need to send money quickly? Our person-to-person transfer feature allows you to send funds instantly to friends or family without any hassle. You can also enjoy the convenience of mobile payments, making it easy to pay for purchases directly from your device. In today's fast-paced world, having control over your finances is crucial. With our digital banking tools at Navy Federal Credit Union, you can manage your accounts in real-time with ease. Experience the peace of mind that comes from having all these powerful features at your fingertips. Visit us today at https://www.navyfederal.org/ and discover how simple online banking can be!

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 our financial strength, which reflects our commitment to providing you with reliable services and support. 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 and stronger lending options 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 $131,920,000,000 in loans and leases. Our operational efficiency is reflected in our net income of $0, which enables 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 and committed team. Net Shares (Funds available for lending and investments): $1,127,735,547. Total Share 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 709 Center Dr San Marcos Ca 92069 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

Are you considering purchasing a new vehicle? Our auto loans provide some of the lowest rates in the industry, making it easier for you to drive away with confidence. We have already issued $17,423,226,266 in used vehicle loans and $14,784,600,315 in new vehicle loans, assisting our members in getting on the road smoothly. Whether you're looking for a new or used car, our flexible financing options can help you find the right fit.

Credit Lines and Commercial Loans

For those who require additional flexibility, our total credit lines amount to $62,780,210,296, offering access to funds when necessary. Business owners will also benefit from our outstanding commercial loans totaling $227,844,936, providing the capital needed to grow and expand operations. At Navy Federal Credit Union, we believe that everyone deserves access to reliable financial solutions. If you're interested in learning more about our loan offerings or exploring eligibility options, feel free to reach out at (888) 842-6328 or visit us at our branch location. Our team is here to assist you every step of the way. 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 are designed to make buying or refinancing straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $6,343,248,096, which can be an excellent choice for first-time buyers or those looking to refinance their existing mortgage.

Unsecured Credit Card Loans

Managing everyday expenses is vital, and that's why we provide flexible terms on unsecured credit card loans. With a total of $30,452,498,817 in loans, we help our members manage their finances effectively while enjoying the convenience of credit when they need it most.

Loan Aggregator

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that users receive fair and transparent offers without any hidden agendas. - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions.

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