Navy Federal Credit Union

In the close-knit Pensacola community, Navy Federal Credit Union at 5550 Heritage Oaks Dr offers a welcoming financial home for military members, veterans, and their families. Open Monday through Thursday from 9:00 a.m. to 5:00 p.m., Fridays until 5:30 p.m., and Saturdays from 9:00 a.m. to 1:00 p.m., this branch features lobby access and an on-site ATM for easy cash withdrawals and balance checks—making everyday banking simple and convenient.
Known for providing some of the best auto loans in Pensacola, Navy Federal makes financing your next vehicle straightforward with competitive rates and flexible terms tailored to your needs. Homebuyers will also appreciate low mortgage rates and refinancing options designed to help you achieve your dream of homeownership. Beyond lending, enjoy personal banking services including checking and savings accounts built for daily convenience, credit cards with rewarding perks, business banking solutions such as merchant services and loans, plus personal loans perfect for debt consolidation.
Visit Navy Federal Credit Union at 5550 Heritage Oaks Dr or call 888-842-6328 today to experience personalized guidance and discover how our signature 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

Welcome to Navy Federal Credit Union, your trusted partner in financial success right here in beautiful Pensacola, Florida! Located at 5550 Heritage Oaks Dr, Pensacola, FL 32526, our branch has been serving members since 1947, and we take pride in helping you achieve your financial goals. With a robust membership of over 14 million and total assets exceeding $180.8 billion, we are committed to providing personalized services tailored to meet your unique needs. At Navy Federal, we understand that banking is more than just numbers; it's about community and connection. Our dedicated team, led by CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., is here to support you with a range of services, from checking and savings accounts to auto loans and mortgages. We manage over $2.3 billion in deposits and boast a net worth of approximately $21.5 billion, ensuring that your money is safe and sound with us. While members can visit us at our branch location, official correspondence should be sent to the same address: 5550 Heritage Oaks Dr, Pensacola, FL 32526. If you have questions or need assistance, feel free to reach out at 888-842-6328. We invite you to explore the many ways we can assist you on your financial journey. Whether you're looking for competitive loan options or convenient online banking services, Navy Federal Credit Union is here for you every step of the way. Visit us today or check out our website at Navy Federal for more information!

Branch History & Mission

Welcome to the Navy Federal Credit Union, a financial institution with a rich history and a steadfast commitment to serving our community in Pensacola, Florida. Since we opened our doors in 1947, we have grown alongside our members, evolving from a small credit union into one of the largest in the nation. Today, we proudly serve over 14 million members and manage total assets exceeding $180 billion. Located at 5550 Heritage Oaks Dr, Pensacola, FL 32526, our branch is easily accessible and positioned near key local landmarks, making it convenient for members to visit us. Our mission is clear: to provide exceptional financial services while supporting the communities we serve. We believe in empowering our members with the tools they need for financial success whether that's through personal banking solutions, auto loans, mortgages, or credit cards. At Navy Federal Credit Union, we understand that community support goes beyond just banking. Our initiatives focus on giving back through various outreach programs and partnerships aimed at enhancing the lives of those around us. We actively participate in local events and strive to foster relationships that create positive change within Pensacola. As technology advances, we remain committed to providing modern solutions that make banking easier for our members. With services like online banking, mobile payments, and e-statements available, we ensure that you can manage your finances anytime and anywhere. Our branch is also equipped with an ATM for easy access to cash withdrawals. Our operating hours are designed to accommodate your busy schedule: Monday through Thursday from 9 AM to 5 PM, Friday until 5:30 PM, and Saturday from 9 AM to 1 PM. While you can always reach us at 888-842-6328, please note that official correspondence should be sent to our mailing address if it differs from our branch location. Join us at Navy Federal Credit Union and experience firsthand how we prioritize your needs while building a stronger community together. Whether you're looking for a new savings account or seeking advice on loans, we invite you to become part of our family. Let's achieve your financial goals together!

Branch Location & Accessibility

Accessibility Features

Our branch is equipped with features that ensure everyone can access our services comfortably. We have ample parking available right outside our doors, along with ADA-compliant ramps for easy entry. We strive to create an inviting environment where every member feels welcome.

Operating Hours

We know your time is valuable! That's why our lobby hours are designed to fit your busy schedule: Monday through Thursday from 9 AM to 5 PM, Friday until 5:30 PM, and Saturday from 9 AM to 1 PM. If you ever need assistance during these times, feel free to reach out by calling us at 888-842-6328.

Services Offered

At Navy Federal Credit Union, we offer a wide range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got your financial needs covered. While we don't have a drive-thru service at this location, we do provide convenient ATM access for quick cash withdrawals and balance checks. Whether you're looking for help with loans or want to explore our credit card options with rewards, our dedicated team is ready to assist you. So come on down and see how we can help make your banking experience more enjoyable! We look forward to welcoming you at the Navy Federal Credit Union branch in Pensacola! Don't hesitate visit us today or give us a call!

Member Eligibility

Becoming a member of Navy Federal Credit Union is like stepping into a warm community where your financial well-being comes first. To join us at our branch located at 5550 Heritage Oaks Dr Pensacola Fl 32526, you just need to meet a few simple eligibility criteria. Generally, if you're active duty military, a veteran, or a family member of someone who serves or has served, you're welcome here! We also extend membership to Department of Defense employees and certain members of the community. This means that many people can enjoy the benefits of being part of our credit union family. For more detailed information on eligibility, feel free to check out this link: https://www.navyfederal.org/membership/eligibility.html. Opening an account with us is straightforward and designed to make you feel right at home. You can find all the details on how to get started by visiting https://mymembership.navyfederal.org/#/milestones. If you have any questions or need assistance, don't hesitate to reach out at (888) 842-6328. Join us today and discover how we can help you achieve your financial goals!

Business Banking & Commercial Services

Business Loans

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 designed for everyday transactions. Whether you're running a retail store or a service-based business, our solutions simplify payment processing. This means faster transactions and happier customers essential components for any successful venture. Visit us at 5550 Heritage Oaks Dr Pensacola Fl 32526 or call us at (888) 842-6328 to discover how our business banking and commercial services can help your enterprise flourish!

Comprehensive List Of Services

Business Banking

For our business members, we provide tailored services that support growth and efficiency. From merchant services that simplify payment processing to business loans that can fund expansion or equipment purchases, we're here to help local businesses thrive.

Convenience at Your Fingertips

In today's fast-paced world, convenience is key. Our branch offers ATM and cash withdrawal services for quick access to cash when you need it most. With our basic ATM access, you can easily perform withdrawals and balance checks without any hassle. Whether you're looking for personal banking solutions or business assistance, Navy Federal Credit Union is committed to providing comprehensive services that meet your needs. Reach out to us at (888) 842-6328 or visit us today at 5550 Heritage Oaks Dr Pensacola Fl 32526 in Pensacola, FL! We're excited to be a part of your financial journey!

Credit Options

We also understand that credit is an essential part of managing personal finances. That's why we offer credit cards with rewards, allowing you to earn points on purchases you already make. This means every time you swipe, you're working toward something special!

Loans Made Easy

When it comes to financing your dreams, Navy Federal Credit Union has you covered. Our auto loans and vehicle financing options make it simple to drive away in the car you want without breaking the bank. Need a new home? Our mortgage loans and refinancing solutions are designed to fit various budgets, ensuring you find the right plan for your family. Plus, if you're facing unexpected expenses, our personal loans and debt consolidation services can help you regain control over your finances.

Personal Banking

Our personal banking services cater to everyone, whether you're just starting out or looking to manage your wealth. We offer checking and savings accounts that help you save for the future while enjoying easy access to your funds. Imagine having the ability to manage your finances from anywhere with our online and mobile banking features. You can check balances, transfer money, and pay bills all from the comfort of your home or on the go.

Digital & Online Banking

Easy Access Anytime, Anywhere

With our 24/7 online banking services available at https://www.navyfederal.org/, managing your accounts has never been easier. Whether you're checking your balance, transferring funds, or paying bills, you can do it all from the comfort of your home or on the go. Our user-friendly platform ensures that even if you're not tech-savvy, navigating your finances will feel simple and straightforward.

Go Mobile with Ease

For those who prefer banking on their phones, our mobile application offers a wealth of features. With mobile payments enabled, you can quickly pay for purchases directly from your account using just your smartphone. Need to send money to a friend? Our person-to-person transfer feature lets you do that instantly without hassle.

Stay Secure with Confidence

Security is a top priority for us. We provide electronic signature authorization to make transactions safer and more efficient. You can sign documents electronically without worrying about the safety of your information. Plus, with e-statements available, you can view your financial statements securely online rather than waiting for paper copies in the mail.

Summary of Benefits

In today's fast-paced world, having control over your finances whenever you need it is crucial. At Navy Federal Credit Union, we aim to give you peace of mind and easy access through our comprehensive digital banking services. So whether you're at home or out and about, managing your money is as easy as a few taps on your phone or clicks on your computer. Experience the ease and security of banking with us today!

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 understand the importance of trust in your financial partner, which is why we want to share some key insights into our strong financial standing. With a net worth of $21,492,783,754, we maintain robust financial health. This strength allows us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1181 demonstrates a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even during 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 solely 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 members' financial goals across various sectors with $1,023,510 in used auto loans and $131,920,000 in total loans and leases. Our operational efficiency is reflected in our ability to generate income effectively. Although our net income currently stands at $0, it highlights our commitment to maintaining low costs for our members while investing back into the services you value most. 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. The total number of share accounts stands at 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 5550 Heritage Oaks Dr Pensacola Fl 32526 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

Additional Financing Options

For business owners seeking growth opportunities, our outstanding commercial loans totaling $227,844,936 provide essential capital needed for expansion. We cater to both individuals and businesses with various financing solutions that fit different needs. Additionally, we encourage all members considering refinancing options or eligibility inquiries to reach out directly at 888-842-6328. Our team is ready and available during lobby hours from Monday through Thursday from 9 AM to 5 PM and Friday until 5:30 PM; Saturday from 9 AM until 1 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At Navy Federal Credit Union located at 5550 Heritage Oaks Dr Pensacola Fl 32526, we prioritize your financial well-being and are here to support you with comprehensive lending solutions. Explore our offerings today!

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 are committed to making your car-buying experience as smooth as possible. Whether you're purchasing a brand-new model or a reliable used car, our competitive rates and flexible terms make it easy for you to drive away with confidence.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $6,343,248,096, designed to meet your unique housing needs. Whether you are a first-time homebuyer or looking to refinance your current mortgage for better terms, our knowledgeable staff is ready to guide you through 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 credit cards provide an excellent way to handle unexpected expenses while benefiting from rewards and low-interest rates.

Loan Aggregator

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