Navy Federal Credit Union

Navy Federal Credit Union proudly serves members throughout New Jersey, offering a full range of financial services designed to support military members, veterans, and their families across the state. With convenient statewide ATM and cash withdrawal access, managing your everyday banking—like withdrawals and balance checks—is simple and secure. Whether you’re financing your next vehicle with competitive auto loans or exploring mortgage loans and refinancing options, Navy Federal provides flexible solutions tailored to fit your lifestyle in New Jersey.
Membership brings access to personal banking services including checking and savings accounts built for convenience, credit cards with rewarding perks, and personal loans for debt consolidation. Business owners can also take advantage of specialized merchant services and business loans to help grow their ventures locally. Plus, Navy Federal’s robust online and mobile banking platforms ensure you can bank anytime, anywhere with confidence.
Beyond financial products, Navy Federal is deeply committed to strengthening New Jersey communities through programs that support military families and local initiatives. Joining Navy Federal means becoming part of a trusted network dedicated to your financial success and giving back—making it more than just banking, but a valued partnership statewide.

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, our mission is to empower our members and strengthen our communities across NJ with a commitment to member-first service. Under the leadership of CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., we strive to provide personalized financial solutions that cater to the unique needs of each member. We understand that modern banking requires convenience, which is why we offer an array of services such as electronic signature authorization, e-statements, mobile payments, a dedicated mobile app, online banking, and person-to-person payment support. Our goal is to ensure that our members have access to the tools they need for financial success while enjoying a seamless banking experience. For more information or assistance, please visit us at https://www.navyfederal.org/ or contact us via fax at nan.

Services & Financial Solutions

At Navy Federal Credit Union, we understand that managing your finances can be both exciting and challenging, whether you're buying your first home, saving for future goals, or navigating daily expenses. That’s why we offer a comprehensive suite of financial services designed to meet the diverse needs of our members in New Jersey. Our everyday personal banking options include checking and savings accounts that provide easy access to your funds, along with competitive interest rates to help you grow your savings. With our online banking and mobile application, managing your finances has never been easier. You can check balances, transfer funds, and pay bills right from your smartphone or computer.
When it comes to financing life’s big moments, we’ve got you covered with a range of loan and credit options tailored to fit your lifestyle. From auto loans for that new vehicle you've been eyeing to mortgage loans that make homeownership a reality, our flexible terms ensure you can find the right solution for your budget. For those looking to expand their business ventures, our business banking services offer merchant services and business loans to help you succeed. Plus, with features like person-to-person payments and electronic signatures available, you can enjoy seamless transactions without the hassle. At Navy Federal Credit Union, we're committed to providing accessible and convenient financial solutions that empower our members every step of the way.

Why Choose Us

At Navy Federal Credit Union in NJ, we believe that joining a financial institution should be as seamless as possible. With just a few simple steps, you can become a member and open an account tailored to your needs. Curious about your eligibility? You can easily review the membership criteria at https://www.navyfederal.org/membership/eligibility.html. Our core values revolve around trust, community engagement, personalized service, and financial reliability, ensuring that you receive not just services but also a sense of belonging. Whether you're looking for personal banking options or support with loans and credit cards, our dedicated team is here to guide you every step of the way. We take pride in being a part of your financial journey, helping you achieve your goals with confidence. Don't forget—compare real-time loan offers today at LendMesh and find the best rates for your needs! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Join us today and experience the difference that community-focused banking can make!

Branch Details

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

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