Navy Federal Credit Union

In the welcoming community of Harker Heights, Navy Federal Credit Union at 201 E Central Texas Expy is proud to support military members, veterans, and their families with personalized financial services designed around your goals. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 2:00 p.m., this branch offers a convenient lobby and an on-site ATM for quick cash withdrawals and balance checks, making everyday banking simple and accessible.
Renowned for providing some of the best auto loans in Harker Heights, Navy Federal makes vehicle financing easy with competitive rates and flexible terms tailored to fit your budget. Homebuyers will also appreciate low mortgage rates and refinancing options that help turn your dream home into reality. Beyond lending, members enjoy personal banking solutions including checking and savings accounts built for daily convenience, credit cards loaded with rewarding perks, plus business banking services such as merchant solutions and business loans designed to help local entrepreneurs thrive.
Visit Navy Federal Credit Union at 201 E Central Texas Expy or call 888-842-6328 today to experience friendly, community-focused service in Harker Heights. Discover how our outstanding auto loans and mortgage offerings can empower your financial future right here in your neighborhood!

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 financial partner located at 201 E Central Texas Expy, Harker Heights, TX 76548. Since our establishment in 1947, we have proudly served over 14 million members with a commitment to providing exceptional banking services tailored to meet your needs. With total assets exceeding $180.8 billion and deposits totaling $2.32 billion, we are dedicated to ensuring your financial security and success. At Navy Federal, we believe in building strong community ties and fostering relationships that matter. Our team of 24,560 employees is here to guide you through personal banking, auto loans, mortgages, and more. Under the leadership of our CEO, Dietrich Kuhlmann, and Board President, Edward Cochrane Jr., we strive to create a welcoming environment for everyone who walks through our doors. Whether you're interested in joining our growing family or need assistance with your financial journey, we're here for you. While members can visit us at our branch location, official correspondence should be sent to our mailing address at 201 E Central Texas Expy, Harker Heights, TX 76548. We invite you to explore all that Navy Federal has to offer. Call us today at 888-842-6328 or visit our website at navyfcu.org for more information about membership eligibility and account opening options. Your journey towards financial empowerment starts here!

Branch History & Mission

At Navy Federal Credit Union, our story is one of commitment to community and service. Founded in 1947, our Harker Heights branch has become a vital part of the local landscape, offering financial services tailored to meet the needs of our members. Located at 201 E Central Texas Expy, Harker Heights, TX 76548, we are proud to serve not just our members but also the surrounding neighborhoods. Over the years, we have grown significantly, now boasting a total membership of over 14 million and total assets exceeding $180 billion. This growth reflects our dedication to providing exceptional financial solutions while nurturing a strong sense of community. Our mission is clear: we strive to empower our members through affordable banking options and personalized support, ensuring everyone has access to the resources they need for financial success. Our operating hours are designed with your convenience in mind Monday through Friday from 9 AM to 6 PM and Saturdays from 9 AM to 2 PM. Additionally, we offer ATM services for quick and easy access to your funds. While we currently do not have drive-thru banking available at this location, our friendly staff is always ready to assist you inside the branch. The heart of Navy Federal lies in our commitment to community outreach and support. We believe in giving back and forming partnerships that uplift those around us. From financial education initiatives to local sponsorships, we actively engage with community members to foster a spirit of collaboration and growth. If you are looking for a credit union that prioritizes your financial well-being while being deeply rooted in the community, look no further than Navy Federal Credit Union in Harker Heights. Join us today and experience firsthand the benefits of being part of an institution that truly cares about its members. For any questions or assistance, feel free to reach out at 888-842-6328 or visit us online at Navy Federal. We look forward to welcoming you into our family!

Branch Location & Accessibility

Get in Touch

If you have any questions or need assistance before your visit, don't hesitate to call us at 888-842-6328. Our team is eager to help you navigate all your banking options. While members can visit us at 201 E Central Texas Expy Harker Heights Tx 76548, official correspondence should be sent to 201 E Central Texas Expy, Harker Heights, TX 76548. We look forward to welcoming you at Navy Federal Credit Union your community-focused financial partner!

Nearby Landmarks and Accessibility

Our branch is easy to find, situated near popular spots like the Harker Heights Park and just a short drive from the bustling Killeen area. With ample parking available, visiting us is hassle-free. We also prioritize accessibility; our branch features ADA-compliant ramps and facilities to ensure everyone can bank comfortably.

Operating Hours

We know your time is valuable. That's why we're open Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM. Come in during these hours to meet with our friendly staff who are ready to assist you with personal banking, auto loans, mortgages, credit cards, and more!

Services Offered

At Navy Federal Credit Union, we provide a full range of services tailored to meet your financial needs. From checking and savings accounts to vehicle financing and mortgage options, we have something for everyone. Plus, enjoy the convenience of ATM access for quick cash withdrawals and balance checks right on-site.

Member Eligibility

Becoming a member of Navy Federal Credit Union is like joining a welcoming family that truly cares about your financial well-being. If you live, work, or worship in the Harker Heights area, you're likely eligible to join us! We also welcome immediate family members of existing members, making it easy for you to share the benefits with your loved ones. At Navy Federal Credit Union, we pride ourselves on offering personalized service and a range of financial products tailored to meet your needs, from checking accounts to loans and credit cards. For detailed eligibility information, feel free to check out our website at https://www.navyfederal.org/membership/eligibility.html. Once you're ready to take the next step, opening an account is straightforward; just visit us at https://mymembership.navyfederal.org/#/milestones or give us a call at (888) 842-6328. We're here to help you every step of the way and look forward to welcoming you into our community!

Business Banking & Commercial Services

Business Loan Options

Imagine a local café that wants to renovate its space or a tech startup needing funds for innovative equipment. With our commercial lending programs, we've funded over $1,105 in 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 to fuel growth.

Merchant Services

In today's competitive market, having reliable payment processing is crucial. Our merchant services streamline transactions, allowing businesses to focus on what they do best serving their customers. By simplifying payments, we help you save time and enhance customer satisfaction. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: with an outstanding commercial loan portfolio of $227,844,936, we continue to drive economic growth by financing new and expanding businesses. Join us at Navy Federal Credit Union, located at 201 E Central Texas Expy Harker Heights Tx 76548, Harker Heights, TX, where we're dedicated to your business's success! For more information, call us at (888) 842-6328 or visit our website at Navy Federal Credit Union.

Comprehensive List Of Services

Always Here for You

At Navy Federal Credit Union in Harker Heights, we are committed to providing quality service and convenience. Our lobby hours are Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM perfect for those busy weekdays! If you're ready to take control of your financial future or have any questions about our offerings, feel free to call us at 888-842-6328 or visit our website here. Join us today and experience how easy banking can be!

Business Banking Services

For small business owners, we understand the importance of having reliable banking support. Our business banking services include merchant services and business loans to help your venture thrive. With us by your side, managing your business finances becomes straightforward and stress-free.

Credit Options

Our credit cards with rewards provide not only flexibility but also opportunities to earn while you spend. Whether it's for everyday purchases or special occasions, these cards are designed to offer great benefits tailored for our members.

Digital Banking Convenience

In today's fast-paced world, accessing your accounts anytime is crucial. That's why we offer robust online and mobile banking options. You can easily check balances, transfer funds, and pay bills from the comfort of your home or on the go. Plus, our ATM & cash withdrawal services ensure that you have access to your funds whenever needed.

Home Financing Made Easy

If homeownership is your dream, we offer mortgage loans and refinancing solutions that fit your budget. Our mortgage specialists will help you navigate through the process, ensuring you understand your options. We also have personal loans available for debt consolidation or unexpected expenses, making it easier for you to manage your finances effectively.

Personal Banking Solutions

Managing your money has never been easier with our personal banking services. We provide various checking and savings accounts that cater to different lifestyles and financial goals. For those considering a new vehicle, our auto loans and vehicle financing options make it simple to drive away in the car you want. You can apply online or visit us at our branch located at 201 E Central Texas Expy, where our friendly staff will assist you.

Digital & Online Banking

E-Statements and Mobile Features

Say goodbye to paper clutter with our e-statements feature! You'll receive secure digital statements directly in your inbox, making it easier to stay organized. And for those on the go, our mobile application is here to help. You can make mobile payments effortlessly and even send money with person-to-person transfers.

Online Banking Services

With our 24/7 online banking services available at https://www.navyfederal.org/, you can access your accounts whenever it suits you. Whether you're checking your balance, transferring funds, or paying bills, everything is just a few clicks away. Plus, our electronic signature authorization makes it simple to complete transactions without the hassle of paperwork.

Security and Support

Your security is our top priority. We employ advanced encryption technology to keep your information safe while ensuring that all these features remain user-friendly. If you ever have questions or need assistance, our dedicated support team is just a call away at (888) 842-6328. Experience the convenience of modern banking today at Navy Federal Credit Union! Our digital tools are designed to enhance your banking experience, allowing for real-time account management right from your smartphone or computer. Join us online and take control of your finances like never before!

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. With our strong financial foundation, we are dedicated to providing you with the best services and support you deserve. 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 11.81% 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 across various sectors 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, allowing 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 team. 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 201 E Central Texas Expy Harker Heights Tx 76548 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 Information

In addition to these products, we offer refinancing options for many of our loans, helping you lower monthly payments or access cash for other needs. To learn more about eligibility and how we can assist you in achieving your financial goals, feel free to reach out at (888) 842-6328 or visit us at our branch located at 201 E Central Texas Expy Harker Heights Tx 76548 in Harker Heights, TX. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We are dedicated to providing transparent information so that you can make informed decisions about your financial future.

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 flexible terms and competitive rates to make your vehicle purchase as smooth as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $227,844,936 provide the capital needed to grow and expand. We understand the unique challenges businesses face and are committed to providing tailored financial solutions that support your ambitions.

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. Whether you are a first-time buyer or looking to refinance an existing mortgage, our team is here 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 cards come with various benefits and features designed to give you more control over your spending.

Loan Aggregator

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