Navy Federal Credit Union

In the vibrant Pensacola community, Navy Federal Credit Union at 9070 W Highway 98 is proud to support military members, veterans, and their families with trusted financial services designed to meet your unique needs. Open Monday through Friday from 9:00 a.m. to 5:00 p.m. and Saturdays from 9:00 a.m. to 1:00 p.m., this full-service branch offers both lobby and convenient drive-thru banking alongside on-site ATM access for quick withdrawals and balance checks—making everyday banking simple and accessible.
Known locally for some of the best auto loans available, Navy Federal helps you finance your next vehicle with competitive rates and flexible terms tailored just for you. Homebuyers will also appreciate low mortgage rates and refinancing options that pave the way to affordable homeownership in Pensacola. Beyond lending solutions, enjoy personal banking products such as checking and savings accounts crafted for daily convenience, credit cards with rewarding perks, business banking services including merchant solutions and loans, plus personal loans ideal for debt consolidation.
Visit Navy Federal Credit Union at 9070 W Highway 98 or call 888-842-6328 today to experience friendly local service and discover how our signature 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

Welcome to Navy Federal Credit Union, your trusted partner in financial well-being since 1947. Located at 9070 W Highway 98, Pensacola, FL 32506, we are dedicated to serving our community with a range of financial services designed to help you achieve your goals. With over 14 million members and total assets exceeding $180.8 billion, we pride ourselves on being a reliable resource for your banking needs. At Navy Federal, our mission goes beyond just offering competitive rates on loans and deposits; we aim to create lasting relationships with our members. Whether you're looking for a personal loan, auto financing, or mortgage options, our experienced team is here to guide you every step of the way. Our commitment to excellence is reflected in our strong financial standing, including total deposits of $2.32 billion and a net worth of $21.49 billion. While members can visit us at our branch location, official correspondence should be sent to the same address: 9070 West Highway 98, Pensacola, FL 32506. You can also reach us at 888-842-6328 during business hours for any inquiries or assistance. Led by CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., we strive to foster an environment where our employees over 24,500 strong are committed to providing exceptional service. Together, we work tirelessly to ensure that your experience with us is not only satisfactory but truly rewarding. Explore all that Navy Federal has to offer by visiting our website at navyfcu.org. Join us today and discover how we can help you navigate your financial journey with confidence!

Branch History & Mission

At Navy Federal Credit Union, we proudly carry a legacy that began in 1947. Situated at 9070 W Highway 98, Pensacola, FL 32506, our branch has grown alongside the community, providing essential financial services to members and their families. Over the years, we've expanded our reach and now serve a robust membership of over 14 million individuals, each benefiting from our commitment to exceptional service and support. Our mission is simple yet profound: to empower our members by providing them with reliable financial solutions while fostering a strong sense of community. We strive to create a welcoming environment where everyone can achieve their financial goals, whether it's through savings accounts, auto loans, or mortgages. Our members can count on us for personalized assistance and innovative services designed with their needs in mind. While you can visit us at our branch location, if you need to send official correspondence, please use our mailing address: 9070 West Highway 98, Pensacola, FL 32506. In addition to traditional banking services available in our lobby from Monday to Saturday, we also offer convenient drive-thru banking options and ATM access. Our operating hours are designed to fit your schedule: Monday through Friday from 9 AM to 5 PM and Saturday from 9 AM to 1 PM. As part of Navy Federal Credit Union's commitment to digital advancement, we've introduced online and mobile banking options that make managing your finances easier than ever. With features such as mobile payments and e-statements, we ensure that our members have access to their accounts anytime, anywhere. Community outreach is at the heart of what we do. We partner with local organizations and participate in initiatives that uplift those around us. Our goal is not just about numbers currently holding total assets of over $180 billion but about making meaningful connections within the community we serve. We invite you to join Navy Federal Credit Union today and experience firsthand the benefits of being part of an institution that truly cares about its members' well-being. Whether you're looking for personal banking solutions or support for your business ventures, we're here for you every step of the way. Come visit us in Pensacola or explore more about our services online at Navy Federal. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Navy Federal Credit Union, conveniently located at 9070 W Highway 98 in beautiful Pensacola, Florida. This branch is not just a place for banking; it's a welcoming community hub where you can access a range of financial services designed to meet your needs. Situated near popular landmarks and easily accessible routes, our location makes it simple for you to visit us whether you're running errands or just out enjoying the day. At Navy Federal, we understand that convenience matters. Our branch features ample parking and is fully ADA compliant, ensuring that everyone can access our services with ease. If you're looking for quick service, you'll be pleased to know we offer both ATM availability and drive-thru banking options. Whether you need to make a deposit or withdraw cash, we've got you covered without the hassle of going inside. Our operating hours are tailored to fit your schedule. You can visit us Monday through Friday from 9 AM to 5 PM, and on Saturdays from 9 AM to 1 PM. During these hours, our friendly staff is ready to assist you with personal banking services including checking and savings accounts, auto loans, mortgage options, and more. While members can visit us at our branch address, any official correspondence should be sent to our mailing address: 9070 West Highway 98, Pensacola, FL 32506. We invite you to come by and discover all that Navy Federal Credit Union has to offer. If you have any questions or need assistance before your visit, feel free to give us a call at 888-842-6328. We look forward to serving you!

Member Eligibility

At Navy Federal Credit Union, we believe that becoming a member is like joining a close-knit family where everyone supports each other. If you're wondering about eligibility, we're here to help! You can become a member if you meet certain criteria, which typically includes being a veteran, active duty service member, or a family member of someone who is. We welcome individuals from various backgrounds and professions, making it easy for you to join our community. For a detailed look at the eligibility requirements, feel free to visit https://www.navyfederal.org/membership/eligibility.html. Getting started is simple! Once you know you qualify, you can open an account online or stop by our branch located at 9070 W Highway 98 Pensacola Fl 32506. Our friendly team is always ready to assist you with the process. If you have any questions, don't hesitate to give us a call at (888) 842-6328. We're excited to welcome you into the Navy Federal Credit Union family!

Business Banking & Commercial Services

Merchant Services that Work for You

In today's fast-paced market, having reliable payment processing is crucial. Our merchant services make transactions smooth, allowing you to focus on what you do best running your business. Imagine being able to accept payments easily from customers both in-store and online, giving you more time to engage with them and grow your brand. Visit us at 9070 W Highway 98 Pensacola Fl 32506, Pensacola, FL, or call us at (888) 842-6328 to learn how our tailored solutions can help your business thrive!

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

ATM & Drive-Thru Services

For those who prefer face-to-face interactions or quick cash withdrawals, we offer ATM access and basic drive-thru banking services for deposits, withdrawals, and simple transactions. Our friendly staff is always ready to assist you during lobby hours from Monday through Saturday. At Navy Federal Credit Union, we believe in empowering our members with the tools they need for financial success. If you're ready to explore how we can assist you in achieving your financial goals or if you have any questions about our services, please don't hesitate to reach out at (888) 842-6328. Visit us today at Hwy 98 Pensacola Fl!

Business Banking Services

For entrepreneurs and business owners, Navy Federal Credit Union provides comprehensive business banking services. From merchant services that facilitate smooth transactions to business loans that help fund your growth ambitions, we are committed to helping local businesses thrive.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to access your accounts anytime, anywhere. You can easily check balances, transfer funds, and even make person-to-person payments right from your smartphone. With features like electronic statements and mobile payments, managing your finances has never been easier.

Credit Cards and Rewards

To help you maximize your spending power, we also offer credit cards with rewards tailored for your lifestyle. Whether you're earning points on everyday purchases or saving on travel expenses, our credit cards come with benefits that can enhance your financial experience.

Personal Banking Solutions

One of the cornerstones of our offerings is personal banking. We understand that everyone has unique financial goals, which is why we provide various checking and savings accounts to help you save for that special vacation or manage your everyday expenses. If you're considering purchasing a new car, our auto loans and vehicle financing solutions make it simple to get behind the wheel without breaking the bank. Thinking about buying a home? Our mortgage loans and refinancing options are designed to fit your needs, ensuring that you can secure your dream home at an affordable rate. Additionally, if you're facing unexpected expenses or want to consolidate debt, our personal loans offer flexibility and support when you need it most.

Digital & Online Banking

Accessibility and Ease-of-Use

We prioritize accessibility, ensuring that all members can enjoy our user-friendly digital banking tools. Whether you're tech-savvy or just starting out with online banking, our intuitive platform makes it easy for everyone. With real-time account management at your fingertips, you're always in control of your finances. Explore all these features today at https://www.navyfederal.org/ and see how Navy Federal Credit Union is committed to providing a secure and convenient banking experience tailored just for you!

Key Features

With our online banking, you can access your accounts 24/7, making it simple to check balances, transfer funds, and pay bills from anywhere. You can also sign documents securely with our electronic signature authorization feature, allowing you to handle transactions quickly without the need for physical paperwork. Prefer going paperless? We provide e-statements for easy access to your account summaries, helping you keep track of your finances while reducing clutter. Our mobile application further enhances your banking experience by offering features like mobile payments, enabling you to make purchases directly from your phone. Need to send money to a friend or family member? Our person-to-person transfer service allows you to send money instantly without hassle. All these services come with top-notch security measures to keep your information safe.

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. Our financial health is robust, allowing us to provide you with exceptional services and peace of mind. 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 with $1,023,510 in used auto loans and a total of $131,920,000,000 in loans and leases available. Our operational efficiency is reflected in our net income of $0, which allows 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. 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 9070 W Highway 98 Pensacola Fl 32506 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 eyeing a brand-new model or a reliable used option, our flexible terms make financing straightforward and accessible.

Credit Lines and Unsecured Loans

In addition to auto and mortgage loans, we also offer personal credit lines and unsecured credit card loans. Our total credit lines amount to $62,780,210,296, providing members with the flexibility they need for unexpected expenses or planned purchases. We also have flexible terms on unsecured credit card loans, with a total of $30,452,498,817 in loans helping members manage their finances effectively. For business owners looking to expand their operations or start new ventures, our outstanding commercial loans totaling $227,844,936 can provide the necessary capital. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you have questions about eligibility or refinancing options available for any of our loan products, please don't hesitate to reach out. You can contact us at 888-842-6328 or visit us at our branch located at 9070 W Highway 98 Pensacola Fl 32506. We're here to support you every step of the way!

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 competitive rates and various terms to fit your budget and lifestyle. If you're considering refinancing your current mortgage for better rates or terms, we can help with that too.

Loan Aggregator

Benefits of Using LendMesh

- 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. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. --- *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.