Navy Federal Credit Union

In the Fredericksburg community, Navy Federal Credit Union at 5651 Plank Rd is a trusted financial partner dedicated to serving military members, veterans, and their families with personalized solutions. Open Monday through Friday from 9:00 a.m. to 5:00 p.m. and Saturdays from 9:00 a.m. to 2:00 p.m., this branch offers both lobby and drive-thru services along with on-site ATM access for quick cash withdrawals and balance checks—making banking convenient whether you’re stopping by or on the go.
Known for providing some of the best auto loans in Fredericksburg, Navy Federal simplifies vehicle financing with competitive rates and flexible terms tailored to fit your budget and get you behind the wheel confidently. Homebuyers also benefit from low mortgage rates and refinancing options designed to help make your dream home a reality. Beyond lending, members enjoy personal banking services such as top checking and savings accounts built for everyday convenience, credit cards loaded with rewarding perks, plus business banking solutions including merchant services and business loans crafted to support local entrepreneurs.
Visit Navy Federal Credit Union at 5651 Plank Rd or call 888-842-6328 today to experience friendly, community-focused service in Fredericksburg. Discover how our exceptional auto loans and mortgage offerings can empower your financial future—contact us for personalized guidance!

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 5651 Plank Rd, Fredericksburg, VA 22407. Established in 1947, we have proudly served our community for over 75 years, helping our members achieve their financial dreams. With a robust membership of over 14 million, we are committed to providing exceptional service and support tailored to your unique needs. At Navy Federal, our mission goes beyond just banking. We strive to make a positive impact in the lives of our members and the communities we serve. Our total assets stand impressively at $180.81 billion, showcasing our stability and reliability as a financial institution. You can trust us with your savings, as we currently hold $2.32 billion in deposits, backed by a strong net worth of $21.49 billion. We understand that life is full of financial decisions, and we're here to help you navigate them all from securing an auto loan with our competitive rates to managing your savings accounts effectively. With over 8 million loans provided, including personal and business loans, we have the resources to assist you every step of the way. Our dedicated team, led by CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., consists of more than 24,500 employees who are passionate about serving you. Whether you're visiting us in person or utilizing our online services, you can expect personalized assistance that puts your interests first. While members can visit us at our branch location for face-to-face interactions, any official correspondence should be sent to the same address: 5651 Plank Rd, Fredericksburg, VA 22407. We invite you to explore our wide range of services, including personal banking options like checking and savings accounts, auto loans, mortgages, credit cards with rewards, and much more! Don't hesitate to reach out; give us a call at 888-842-6328 or visit us online at Navy Federal Credit Union to learn more about how we can help you today!

Branch History & Mission

Community Commitment

We pride ourselves on being more than just a financial institution; we are an integral part of the Fredericksburg community. Our partnerships with local organizations and outreach efforts are designed to uplift those around us. From sponsoring local events to providing educational resources about financial literacy, we remain committed to making a positive impact. As technology advances, we continue to enhance our digital offerings. Our online and mobile banking platforms are user-friendly and fully ADA compliant, ensuring all members can access their accounts easily and securely. We also offer features like electronic signatures and e-statements for added convenience. Join us at Navy Federal Credit Union today! Experience firsthand how we prioritize your financial well-being while fostering a sense of community. Together, let's build a brighter future for all our members!

Our Mission

Our mission is clear: to provide exceptional financial services while supporting the community that supports us. We strive to empower our members through a range of products, including personal banking, auto loans, mortgages, credit cards, and business banking solutions. We believe in making banking accessible and beneficial for everyone. Whether you are visiting us during our operating hours Monday to Friday from 9 AM to 5 PM and Saturday from 9 AM to 2 PM or using our convenient ATM services and drive-thru banking options, we aim to meet your needs efficiently and effectively. While members can visit us at 5651 Plank Rd, official correspondence should be sent to 5651 Plank RD, Fredericksburg, VA 22407 if different from our branch address.

Branch Location & Accessibility

Convenient Access and Amenities

Our branch offers ample parking and is fully ADA compliant, ensuring that everyone can access our services with ease. Whether you prefer in-person visits or drive-thru banking, we have you covered! Our drive-thru service allows for quick deposits, withdrawals, and other simple transactions without leaving your vehicle.

Operating Hours to Fit Your Schedule

We understand that life gets busy. That's why our lobby is open Monday through Friday from 9 AM to 5 PM and on Saturday from 9 AM to 2 PM. If you're on the go, take advantage of our drive-thru hours, which match our lobby times. You can also access an ATM at our location for quick cash withdrawals and balance checks whenever you need them.

Reach Out Anytime

If you have questions or want more information about our services including personal banking options like checking and savings accounts, auto loans, mortgages, credit cards, and more feel free to call us at 888-842-6328. While members can visit us at our Fredericksburg branch for all their banking needs, any official correspondence should be sent to our mailing address: 5651 Plank Rd, Fredericksburg, VA 22407. We invite you to come by and experience the friendly service that makes Navy Federal Credit Union a trusted partner in your financial journey!

Member Eligibility

At Navy Federal Credit Union, we believe that becoming a member means joining a welcoming community where your financial well-being is our top priority. If you're looking to become part of our family, you'll find that the eligibility criteria are quite straightforward and inclusive. Generally, you can join if you're affiliated with the military, a family member of a member, or work in certain government sectors. It's our way of ensuring that those who serve our country and their loved ones can access the best financial services available. For detailed eligibility requirements, feel free to check out this link: https://www.navyfederal.org/membership/eligibility.html. Opening an account with us is just as simple! You can start the process online by visiting https://mymembership.navyfederal.org/#/milestones or reach out to us at (888) 842-6328 for any questions you might have. Our friendly staff at 5651 Plank Rd Fredericksburg Va 22407 is always here to help guide you through every step. We're excited for you to experience all the benefits that come with being a member of Navy Federal Credit Union!

Business Banking & Commercial Services

Loan Options that Fuel 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 Make Transactions Easy

In today's fast-paced world, efficient payment options are crucial. Our merchant services help streamline your transactions, enabling you to focus on what you do best running your business. Imagine setting up a mobile payment system that lets your customers pay at their convenience or having online invoicing that simplifies billing. These services not only save time but also enhance customer satisfaction. Discover how Navy Federal Credit Union, located at 5651 Plank Rd Fredericksburg Va 22407, Fredericksburg, VA, can empower your business with the right banking tools and support. Reach out today at (888) 842-6328!

Comprehensive List Of Services

ATM Access & Drive-Thru Services

Need cash in a hurry? Visit our ATM for quick withdrawals and balance checks without stepping inside. Prefer face-to-face interaction? Our drive-thru banking offers simple transactions like deposits and withdrawals without leaving your vehicle. We invite you to experience all these services at Navy Federal Credit Union. If you have questions or need assistance, don't hesitate to reach out at (888) 842-6328. Let us partner with you on your financial journey today!

Business Banking Services

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, empower you to grow your enterprise while enjoying personalized support from our dedicated team.

Credit Cards That Reward You

Our credit cards come with attractive rewards designed to enhance your spending experience. Use them for everyday purchases or special occasions either way, you'll earn rewards that add value back into your life.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. With easy access to account information, fund transfers, and bill payments, you'll find banking on the go is effortless.

Loans for Every Need

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation services, you can tackle any financial challenge with confidence. Whether you're planning a big purchase or need to consolidate existing debts, we're here to help lighten your load.

Personal Banking Solutions

Managing your finances can be simple and rewarding with our personal banking options. We offer various checking and savings accounts that are designed to help you save more and spend wisely. Need a new car? Our auto loans and vehicle financing options make it easier than ever to drive away in your dream vehicle. For those considering homeownership, we provide competitive mortgage loans and refinancing solutions that fit your lifestyle and budget.

Digital & Online Banking

E-Statements for Easy Access

Say goodbye to paper clutter! We provide e-statements that allow you to view and manage your account statements electronically. This not only keeps your information organized but also enhances security by reducing the risk of physical document loss.

Mobile Banking Made Simple

For those on the go, our mobile application offers all the features you need right at your fingertips. You can easily make mobile payments, ensuring that paying for goods and services is simple and efficient. If you're looking to send money to friends or family, our person-to-person transfer feature makes it effortless.

Security You Can Trust

We prioritize the safety of your financial information. Our digital services are designed with top-notch security measures to keep your data safe while providing easy access to your accounts. With user-friendly features and real-time account management, you can feel confident knowing that your finances are always within reach. In summary, at Navy Federal Credit Union, we blend convenience with robust security through our digital and online banking options. Explore everything we offer today and take control of your banking experience!

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 are committed to maintaining a strong financial foundation that ensures you can trust us with your savings and loans. 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 across various sectors with $1.3192E+11 in total loans and leases and $1,023,510 in used auto loans. Our operational efficiency is evident as well; our net income stands at $0, reflecting our dedication to serving our members without compromising service quality or product offerings. 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. Net Shares (Funds available for lending and investments): $1,127,735,547. Total Share Accounts: 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 5651 Plank Rd Fredericksburg Va 22407 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. We cater to various needs, whether you're eyeing a brand-new vehicle or a reliable used option. Our financing solutions are designed to fit your budget and make the process smooth.

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 looking to purchase your first home or refinance an existing mortgage, our team is here to guide you through every step.

Personal and 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. This can be a great way to build credit while enjoying rewards for everyday purchases. For those considering business opportunities, our outstanding commercial loans totaling $227,844,936 provide the capital needed to grow and expand your business. At Navy Federal Credit Union, we strive to provide financial solutions tailored to your needs. Our friendly team is ready to help you explore refinancing options or determine eligibility for any of our products. If you're ready to take the next step toward your financial goals, give us a call at (888) 842-6328 or visit us at our branch located at 5651 Plank Rd Fredericksburg Va 22407 in Fredericksburg, VA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you achieve your dreams today!

Loan Aggregator

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