Navy Federal Credit Union

Nestled in the welcoming community of Santee, Navy Federal Credit Union at 9660 Mission Gorge 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 branch offers convenient ATM services for quick cash withdrawals and balance checks, keeping your money accessible when you need it most.
Known for providing some of the best auto loans available, Navy Federal makes vehicle financing simple and affordable with competitive rates tailored to your budget. Homebuyers will also benefit from low mortgage loans and refinancing options designed to help you secure your dream home in Santee and beyond.
In addition to lending, this full-service branch offers personal banking products including checking and savings accounts built for everyday convenience, credit cards loaded with rewarding perks, business banking solutions supporting local entrepreneurs, 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, anywhere.
Visit Navy Federal Credit Union at 9660 Mission Gorge Rd or call 888-842-6328 today to experience friendly local service and discover how our signature auto loans and mortgage offerings can support your financial journey!

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 well-being is our top priority. Located at 9660 Mission Gorge Rd, Santee, CA 92071, we've been serving our members since 1947 with a commitment to providing personalized banking solutions tailored to your needs. Our branch, identified by the unique site ID 22317, is proud to support over 14 million members with a wealth of resources and expertise. At Navy Federal, we understand that every member's journey is unique. That's why we offer a comprehensive range of services including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards all designed to help you achieve your financial goals. With total assets exceeding $180 billion and total deposits of $2.32 billion, you can trust that your finances are in capable hands. Our dedicated team, led by CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., works tirelessly to ensure you receive the best service possible. We pride ourselves on being more than just a financial institution; we are an integral part of the Santee community, committed to making a positive impact in the lives of our members. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address: 9660 Mission Gorge Rd, Santee, CA 92071-3806. Feel free to reach out to us at 888-842-6328 or explore our services further on our website at Navy Federal Credit Union. Whether you're looking for assistance with loans or simply need advice on managing your finances, we're here for you every step of the way. Come see how we can support your financial journey today!

Branch History & Mission

Community Commitment

At Navy Federal Credit Union, we're dedicated to giving back to the community that has supported us for decades. We actively engage in local outreach programs and partnerships that aim to uplift those around us. Our commitment extends beyond transactions it's about fostering relationships and enhancing the lives of our members. While members can visit us at 9660 Mission Gorge Rd, official correspondence should be sent to 9660 Mission Gorge Rd, Santee, CA 92071-3806 if needed. We offer convenient operating hours from Monday to Friday between 9:00 AM - 6:00 PM, and Saturdays from 9:00 AM - 4:00 PM.

Innovative Services

In today's fast-paced world, we've embraced technology to make banking easier for you. From online banking and mobile payments to e-statements and person-to-person transfers, we ensure that your banking experience is both efficient and user-friendly. Additionally, we provide ADA-compliant facilities so that everyone can access our services without barriers.

Join Us Today!

As we look toward the future, we invite you to become part of our growing family at Navy Federal Credit Union. Experience firsthand how our personalized approach can help you achieve your financial goals while contributing positively to the community. Contact us today at 888-842-6328 or visit our website at Navy Federal to learn more about membership eligibility and open an account. Together, let's build a brighter financial future!

Our Journey

Located at 9660 Mission Gorge Rd, Santee, CA 92071, our branch is easily accessible for all your banking needs. As a part of a larger network that began with humble beginnings, we have continuously evolved to meet the changing needs of our members. With total assets exceeding $180 billion, we are equipped to offer a wide array of services including personal banking, auto loans, mortgages, and business banking solutions. Our mission goes beyond just numbers; it's about making a real impact in people's lives. We believe in empowering our members through personalized financial solutions and community support. Whether you need help managing your savings or securing a loan for your dream car, we're here to guide you every step of the way.

Branch Location & Accessibility

Welcome to Navy Federal Credit Union, your friendly neighborhood financial partner! Conveniently located at 9660 Mission Gorge Rd in Santee, CA, our branch is here to make your banking experience smooth and enjoyable. Whether you're stopping by to open a new account or seeking assistance with an existing one, our dedicated team is ready to help. If you're looking for us, you can find us near the bustling Mission Trails Regional Park, making it easy to combine errands with a bit of nature. Parking is ample and accessible, ensuring that all members can visit us without hassle. Our branch meets ADA compliance standards, featuring ramps and other accessibility options for your comfort. At Navy Federal Credit Union, we understand the importance of flexibility. Our lobby hours are designed to accommodate your busy schedule: we're open Monday through Friday from 9 AM to 6 PM and on Saturday from 9 AM to 4 PM. Need assistance outside these hours? Feel free to give us a call at 888-842-6328 we're just a phone call away! For those who prefer self-service options, we offer ATM access right at our location, allowing you to withdraw cash or check your balance conveniently. While we don't have drive-thru banking available at this site, our team is always ready to assist you inside the branch. While members can visit us at 9660 Mission Gorge Rd, official correspondence should be sent to our mailing address: 9660 Mission Gorge Rd, Santee, CA 92071-3806. We invite you to come by and discover all that Navy Federal Credit Union has to offer! Whether it's personal banking services like checking and savings accounts or financing options such as auto loans and credit cards with rewards our team is eager to support you on your financial journey. Stop in today or give us a call; we can't wait to meet you!

Member Eligibility

Joining the welcoming community at Navy Federal Credit Union is easier than you might think! If you're looking to become a member, you're in luck eligibility is open to a wide range of individuals. Generally, anyone who has served in the military, those who are related to someone who has, and certain Department of Defense employees can join us. We believe in supporting our members like family, so if you're interested, we encourage you to check out the detailed eligibility criteria at https://www.navyfederal.org/membership/eligibility.html. Being part of Navy Federal Credit Union means access to exclusive financial products and services designed with your needs in mind. Opening an account with us is a breeze! You can start the process right away by visiting our website or calling us directly at (888) 842-6328 for assistance. Our team is here to guide you every step of the way as you take this exciting step towards better financial wellness. For more information on how to open an account, visit https://mymembership.navyfederal.org/#/milestones. We can't wait to welcome you into our family at 9660 Mission Gorge Rd Santee Ca 92071!

Business Banking & Commercial Services

Financing Options for Every Need

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.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments seamlessly whether in-store or online without the hassle of complicated systems. With our services, you'll have more time to focus on what really matters: running your business efficiently. Located at 9660 Mission Gorge Rd Santee Ca 92071 in Santee, CA, we are here to provide you with tailored solutions that fit your unique business needs. Let's work together to turn your vision into reality! For more information, call us at (888) 842-6328.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options are designed with competitive rates to help you get behind the wheel without breaking the bank. Imagine driving off in your dream car while knowing you're getting a great deal this can be your reality with our flexible loan terms.

Business Banking

For entrepreneurs and small business owners, our business banking services such as merchant services and business loans are crafted to support growth and success. Imagine having the resources needed to expand your operations or manage cash flow efficiently all backed by a trusted partner who understands your business's unique challenges.

Credit Cards with Rewards

Our credit cards not only offer flexibility in spending but also come with rewards that can benefit you in everyday life. Whether it's cashback on groceries or points towards travel, these cards help you make the most out of every purchase.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking solutions that make it easy to manage your accounts on the go. With features like person-to-person payments, e-statements, and easy access through our mobile application, handling your finances has never been simpler. Whether you're stopping by our branch in Santee or accessing services from home, we strive to make banking straightforward and accessible for everyone. If you're ready to take the next step toward achieving your financial goals or have any questions about our services, don't hesitate to reach out at 888-842-6328. We look forward to serving you!

Mortgage Loans & Refinancing

Homeownership is within reach with our mortgage loans tailored for first-time buyers or those looking to refinance their existing loans. Picture yourself enjoying the comfort of your own home while benefiting from lower monthly payments or cashing out on equity through refinancing. Our team is ready to guide you through the process every step of the way.

Personal Banking

When it comes to managing your day-to-day finances, our checking and savings accounts provide the foundation you need. Whether you're saving for a special occasion or simply looking for a place to manage your funds, we've got options that suit various lifestyles and goals. Our accounts come with features like online banking and mobile payments, allowing you to check balances and make transactions anytime, anywhere.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans provide quick access to funds when you need them most, whether it's for medical bills or home repairs. Additionally, if you're looking to simplify your finances, consider our debt consolidation options that can help combine multiple payments into one manageable loan.

Digital & Online Banking

Accessibility & Real-Time Management

Managing your money shouldn't be complicated. With the digital tools provided by Navy Federal Credit Union, you can enjoy real-time account management from the comfort of your home or wherever life takes you. Need to check a transaction? Want to set up automatic payments? It's all possible with just a few taps on your smartphone or clicks on your computer. At Navy Federal Credit Union, we are dedicated to providing our members with modern banking solutions that fit their lifestyles. Experience the convenience of digital banking today and take advantage of everything we have to offer!

User-Friendly Features

Our mobile application enhances your banking experience even further. Designed for ease of use, it allows you to access your accounts on the go. You can enjoy mobile payments for quick transactions and e-statements to keep track of your finances without the clutter of paper statements. And yes, you can sign documents electronically with our electronic signature authorization feature, saving you time and hassle. Security is a top priority at Navy Federal Credit Union. Our systems are built with advanced security measures to ensure that your personal information remains protected while you bank online. You can have peace of mind knowing that your financial data is safe with us.

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 committed to providing a strong financial foundation that supports your needs now and in the future. 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 is robust; with $1.3192E+11 in total loans and leases and $1,023,510 in used auto loans, we support members' financial goals across various sectors. 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. Total Share Accounts stand at an impressive 30,809,321, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) amount to $1,127,735,547. 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 9660 Mission Gorge Rd Santee Ca 92071 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. We provide financing options for both new and used vehicles so you can choose what best fits your needs. Plus, if you're considering refinancing your current auto loan for better terms, we have options available to help you save even more.

Credit Lines

Our total credit lines amount to $62,780,210,296, giving members the flexibility they need for larger purchases or unexpected expenses. This allows you to borrow as needed while only paying interest on what you use. For business owners looking for funding solutions, our outstanding commercial loans totaling $227,844,936 provide the capital needed to grow and expand operations. Ready to learn more? Contact us today at 888-842-6328, visit our branch located at 9660 Mission Gorge Rd Santee CA 92071, or explore our offerings online at Navy Federal. 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 pride ourselves on offering competitive rates and personalized service to guide you through the process. Whether you're looking for a first mortgage or refinancing an existing one, our team is ready to assist you every step of the way.

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 come with features designed to fit your lifestyle while providing easy access to funds when needed.

Loan Aggregator

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