Navy Federal Credit Union

In the heart of Killeen, Navy Federal Credit Union at 3210 E Central Texas Expy warmly serves military members, veterans, and their families with trusted financial solutions designed to support 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 welcoming lobby and convenient ATM access for quick cash withdrawals and balance checks, making everyday banking easy and accessible.
Renowned for providing some of the best auto loans in Killeen, Navy Federal makes vehicle financing simple with competitive rates and flexible terms tailored to fit your budget. Homebuyers will also appreciate low mortgage rates and refinancing options designed to help you achieve your dream home with confidence. Beyond lending, members enjoy personal banking services including checking and savings accounts crafted for convenience, credit cards packed with rewarding perks, plus business banking solutions like merchant services and business loans to support local entrepreneurs.
Visit Navy Federal Credit Union at 3210 E Central Texas Expy or call 888-842-6328 today to experience friendly, community-focused service in Killeen. Discover how our outstanding auto loans and mortgage offerings can empower your financial future—start your membership today!

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 right here in Killeen, Texas. Located at 3210 E Central Texas Expy, Killeen, TX 76543, our branch has been serving the community since 1947, offering a range of services designed to meet the unique needs of our members. With a robust membership base of over 14 million and assets totaling an impressive $180.81 billion, we take pride in being a pillar of support for both individuals and families. At Navy Federal, we understand that financial well-being is essential for a thriving community. That's why we offer tailored solutions including personal banking, auto loans, mortgage refinancing, and business banking services to help you achieve your goals. Our commitment is reflected in our total deposits of $2.32 billion and a net worth of $21.49 billion, ensuring that your savings are safe and sound with us. Led by our dedicated CEO, Dietrich Kuhlmann, and Board President, Edward Cochrane Jr., our team of over 24,500 employees is here to provide you with exceptional service every step of the way. Whether you're looking to secure financing for your next vehicle or open a checking account that fits your lifestyle, we're ready to assist you. While members can visit us at our branch location, official correspondence should be sent to the same address: 3210 E Central Texas Expy, Killeen, TX 76543. We invite you to explore all that Navy Federal Credit Union has to offer by visiting our website at navyfcu.org or giving us a call at 888-842-6328. Join us today and experience the difference of being part of a community-focused credit union where your financial future is our top priority!

Branch History & Mission

Community Impact

We are proud of our partnerships with local organizations that help uplift our community. By supporting various outreach programs, we strive to make a positive impact on the lives of those around us. Our commitment extends beyond transactions; it's about building lasting relationships with our members and neighbors.

Join Us!

As we continue on this journey of growth and service, we invite you to become part of the Navy Federal family. Experience firsthand the benefits of membership whether it's accessing low-rate loans or participating in community events designed just for you. Together, let's build a brighter future for all. For more information or assistance, please call us at 888-842-6328 or visit our website. We look forward to welcoming you!

Mission Statement

Our mission at Navy Federal Credit Union is simple yet powerful: to put members first by providing superior service and financial products tailored to their unique needs. We believe in empowering individuals and families through financial education and resources that promote stability and growth. Beyond banking, we actively engage in community outreach initiatives that strengthen the bonds within Killeen and surrounding areas. While members can visit us at 3210 E Central Texas Expy for all their banking needs, official correspondence should be sent to the same address for convenience.

Our Evolution

Since opening our doors, we have remained dedicated to providing exceptional service and support to our members. Our growth has been marked by significant milestones, including expanding our services to encompass personal banking, auto loans, mortgages, and business banking. As we evolved through the years, we embraced technology and innovation to ensure that we meet the changing needs of our members while maintaining the personal touch that sets us apart. Our Killeen branch is not just a place to bank; it's a community hub where members can access financial resources and receive guidance from knowledgeable staff. We take pride in offering convenient services like online and mobile banking, ensuring that financial management is accessible anytime and anywhere.

Branch Location & Accessibility

Accessibility Features

Accessibility is important to us. Our branch complies with ADA standards, featuring ramps and accessible parking for those who need them. Whether you're coming in for a quick transaction or a more detailed financial consultation, we strive to make your experience comfortable.

Convenient Hours and Services

Our lobby hours are designed with your schedule in mind. We're open Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 2 PM. This allows ample time for you to drop by when it suits you best. We also offer ATM availability for those who prefer quick cash withdrawals or balance checks without stepping inside. Unfortunately, we do not have drive-thru banking at this location; however, our team is always ready to provide efficient service inside the branch. Feel free to give us a call at 888-842-6328 if you have any questions about our services or need assistance before your visit.

Visit Us Today!

We invite you to come see what Navy Federal Credit Union can do for you! Whether you're looking for competitive loan rates or simply want a friendly face to help with your banking needs, we are here for you. Stop by our Killeen branch today and discover how we can support your financial journey!

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 Killeen area, or if you're related to someone who does, you're already on the path to membership! This means that whether you're a local resident or connected through family ties, we invite you to enjoy all the benefits our community has to offer. By choosing Navy Federal Credit Union, you'll gain access to personalized banking solutions, competitive rates on loans, and a dedicated team ready to support you every step of the way. Opening an account is simple and straightforward just visit us at 3210 E Central Texas Expy Killeen Tx 76543 or check out the easy-to-follow instructions online at https://mymembership.navyfederal.org/#/milestones. If you have any questions or need assistance, don't hesitate to reach out at (888) 842-6328. For more detailed eligibility criteria, feel free to explore our website at https://www.navyfederal.org/membership/eligibility.html. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Loan Options for Growth

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 that Matter

In addition to loans, we offer merchant services designed to streamline your operations. Picture this: you run a busy café, and with our payment processing solutions, customers can pay quickly and easily whether it's with a card or mobile payment. This not only enhances customer satisfaction but also helps you manage cash flow more effectively. Visit us at 3210 E Central Texas Expy Killeen Tx 76543, Killeen, TX, or give us a call at (888) 842-6328 to learn how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

With Navy Federal's ATM network available throughout Killeen and beyond, accessing cash is easy and convenient. You can withdraw funds or check balances without stepping foot inside a branch perfect for those on-the-go moments. If you're interested in learning more about how Navy Federal Credit Union can assist with all your financial needs, don't hesitate to reach out! Call us at 888-842-6328 or visit us at our Killeen branch today. We're here to help you navigate your financial journey!

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? We offer flexible auto loans and vehicle financing options to help you get on the road quickly. Our competitive rates make it easier for you to budget for monthly payments, ensuring that owning a vehicle fits comfortably within your financial plans.

Business Banking Services

If you're running a business, we understand that every dollar counts. That's why we offer business banking services including merchant services and business loans designed to help you grow. From managing payroll to securing funding for expansion, we're here to support your entrepreneurial journey.

Credit Cards with Rewards

Our credit cards not only offer convenience but also rewards that benefit you! Use them for everyday purchases and watch as rewards points add up leading to cash back or travel perks. It's a smart way to maximize the value of your spending.

Mortgage Loans & Refinancing

For those considering buying a home or refinancing an existing mortgage, we have options tailored just for you. Our mortgage loans come with various terms and competitive rates that can suit different budgets and lifestyles. Picture yourself settling into your dream home with a mortgage plan that works for you.

Online & Mobile Banking

In today's fast-paced world, having access to banking services anytime is crucial. That's why we provide robust online and mobile banking features. You can check balances, transfer money between accounts, pay bills, and even deposit checks right from your smartphone all at your fingertips.

Personal Banking

Whether you're looking to open a checking or savings account, our personal banking services are designed with you in mind. Imagine easily managing your finances online or through our mobile app checking balances, transferring funds, and paying bills from the comfort of your home. With Navy Federal, you can also enjoy the benefits of competitive interest rates on our savings accounts, helping you grow your money over time.

Personal Loans & Debt Consolidation

Need extra cash for an unexpected expense or looking to simplify multiple debts? Our personal loans can be used for any purpose, while our debt consolidation services can help streamline your payments into one manageable monthly bill. This way, you can focus on what matters most without being bogged down by complicated finances.

Digital & Online Banking

Always Available

We know life can be busy, which is why our 24/7 online banking services Yes are designed to fit your schedule. Whether it's early morning or late at night, you can manage your accounts at your convenience. Experience the future of banking with Navy Federal Credit Union where your financial needs meet modern technology!

Key Features

Our online banking services at https://www.navyfederal.org/ allow you to check your balances, transfer funds, and pay bills with just a few clicks. You can even sign documents electronically thanks to our Yes feature, making it easier to complete transactions without the hassle of paperwork. You can also opt for e-statements with Yes, which provide a secure and environmentally friendly way to keep track of your finances. No more waiting for paper statements in the mail; you'll have instant access to your financial information right from your device.

Mobile Banking Made Easy

With our mobile application available through Yes, banking on the go has never been simpler. You can make mobile payments using Yes, allowing you to shop or pay friends quickly and securely. Plus, our person-to-person transfers feature Yes lets you send money directly to family or friends without any fuss.

Financial Strength

A Growing Community

Our community continues to grow strong with a total of 30,809,321 share accounts. This shows that more people trust Navy Federal Credit Union with their finances every day. Net Shares (Funds available for lending and investments): $1,127,735,547. In conclusion, 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 3210 E Central Texas Expy Killeen Tx 76543 or call 888-842-6328 to learn more about how we can help you achieve your financial goals.

Investment in Your Future

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 capacity to support your financial goals is further reflected by the $1.3192 trillion in total loans and leases available to our members. This includes $1,023,510 in used auto loans, showing our commitment to helping you achieve your dreams.

Member-Focused Savings

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.

Operational Efficiency

Our net income stands at $0, reflecting our focus on operational efficiency as we strive 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.

Strong Financial Health

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.

Loan Offering

Additional Options

For those considering business opportunities, our outstanding commercial loans totaling $227,844,936 provide the capital needed to grow and expand. Whether it's for inventory, equipment, or other business needs, we're here to support your entrepreneurial dreams. If you're interested in refinancing any of our loan products or want to know about eligibility options, feel free to reach out. Our team is ready to assist you every step of the way. To discuss your loan options further or learn more about how we can assist you with your financial goals, please call us at (888) 842-6328. At Navy Federal Credit Union, we prioritize transparency and commitment to our members' success. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 interested in financing a brand-new vehicle or a reliable used car, our competitive rates and flexible terms make it easy for you to drive away satisfied.

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 personalized support throughout the process to ensure you find the right mortgage solution that fits your budget and lifestyle.

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 competitive interest rates and rewards programs designed to help you maximize your spending power while keeping your budget in check.

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 their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effectively LendMesh meets the needs of its users. To explore your options and find the best rates for your needs, compare real-time loan offers today at LendMesh. 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.

How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures fair and transparent offers are presented to users. With LendMesh, you can trust that the information you receive reflects actual market conditions.

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