Navy Federal Credit Union

In Oak Harbor, Navy Federal Credit Union at 1080 W Lexington St is your trusted financial partner dedicated to serving military members, veterans, and their families with personalized care. Open Monday through Friday from 8:30 a.m. to 4:30 p.m., this welcoming branch offers convenient lobby access and an on-site ATM for quick cash withdrawals and balance checks, making everyday banking simple and accessible. Whether you're looking to take advantage of some of the best auto loans available or explore low mortgage rates and refinancing options, Navy Federal provides competitive terms designed to help you confidently finance your vehicle or home.
Beyond lending, members benefit from comprehensive personal banking services including top checking and savings accounts tailored for convenience, credit cards packed with rewarding perks, as well as business banking solutions such as merchant services and business loans crafted to support local entrepreneurs. With over 14 million members and assets exceeding $180 billion, Navy Federal combines community-focused service with nationwide strength you can rely on.
Visit Navy Federal Credit Union at 1080 W Lexington St in Oak Harbor or call 888-842-6328 today to experience friendly, expert guidance near you. Discover how our standout 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, where we prioritize your financial well-being and community connections! Located at 1080 W Lexington St, Oak Harbor, WA 98278, our branch has been serving members since 1947. With a strong commitment to providing exceptional service, we proudly support over 14 million members while managing a robust asset portfolio of $180.81 billion. At Navy Federal, we understand that banking is more than just numbers; it's about people. Our dedicated team, led by CEO Dietrich Kuhlmann and Board President Edward Cochrane Jr., strives to create a welcoming atmosphere for all our members. Whether you're looking for personal banking solutions, auto loans, or business services, we are here to assist you every step of the way. As part of our mission to empower our members, we have amassed a total deposit amount of $2.32 billion and maintain a healthy net worth of $21.49 billion. Our financial strength allows us to offer competitive loan options, with over 8.38 million loans and leases available for our members' needs. While you can visit us at our branch location for in-person assistance, please note that official correspondence should be directed to our mailing address: 1080 W Lexington St, Bldg 100, Ste 108, Oak Harbor, WA 98278. We invite you to explore what Navy Federal Credit Union can offer you today! For any inquiries or assistance, feel free to reach out at (888) 842-6328 or check out our website at navyfcu.org. Your financial journey begins here let's make it a great one together!

Branch History & Mission

Commitment to Innovation

Navy Federal Credit Union is proud to embrace digital advancements that enhance our members' experience. We offer online banking, mobile payments, and electronic signatures for your convenience. Additionally, our branch is ADA compliant, ensuring that all members can access our services without barriers. Although we currently do not have drive-thru services at this location, we do provide ATM availability for quick cash withdrawals and balance checks. For any official correspondence related to your accounts or inquiries, please use our mailing address: 1080 W Lexington St, Oak Harbor, WA 98278.

Evolution and Growth

From our humble beginnings, Navy Federal has evolved into one of the largest credit unions in the United States. With total assets exceeding $180 billion and a dedicated membership of over 14 million, we have made significant strides in providing exceptional financial services. Our commitment to personal banking, auto loans, mortgage financing, and business banking reflects our dedication to meeting diverse member needs. We understand that being part of a community means more than just offering financial products; it's about building relationships and supporting local initiatives. Over the years, we've partnered with various organizations in Oak Harbor and surrounding areas to give back through community outreach programs and financial education workshops.

Join Us Today!

As we continue to grow and evolve, we invite you to join us on this journey. Experience the benefits of being a member of Navy Federal Credit Union firsthand. Visit us during our lobby hours from Monday through Friday between 8:30 AM and 4:30 PM or contact us at 888-842-6328 for more information about how we can assist you with your financial needs. Your journey toward financial success starts here at Navy Federal Credit Union!

Our Mission

Our mission is clear: to serve our members with integrity while promoting financial literacy and empowerment. We strive to provide accessible banking options that help individuals achieve their financial goals. Whether you are looking to open a checking account or seeking assistance with a mortgage loan, we are here for you every step of the way. The heart of our service lies in understanding that each member's situation is unique. That's why we offer personalized solutions tailored to your specific needs. Our team is committed to ensuring that everyone feels valued and supported at Navy Federal.

Branch Location & Accessibility

Accessibility and Parking

At Navy Federal Credit Union, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can access our services with ease. Plus, we have ample parking available right outside our doors, so you won't have to worry about finding a spot when you visit us.

Operating Hours

We know your time is valuable! Our lobby hours are designed to accommodate your busy schedule. You can visit us Monday through Friday from 8:30 AM to 4:30 PM. If you need assistance outside of these hours, feel free to give us a call at 888-842-6328. We're always here to help!

Services Offered

At our Oak Harbor location, we offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and personal loans, we've got you covered. While we don't have drive-thru banking, our friendly staff is ready to assist you inside the branch with any questions or transactions you may have. Additionally, enjoy the convenience of our ATM for quick cash withdrawals and balance checks. While members can visit us at 1080 W Lexington St, official correspondence should be sent to the same address for ease. Come see us soon at Navy Federal Credit Union! We look forward to serving you and helping you achieve your financial goals right here in Oak Harbor.

Member Eligibility

At Navy Federal Credit Union, we believe that becoming a member is like joining a family where your financial well-being is our priority. If you're looking to be part of a supportive community, it's easy to get started! Membership is open to individuals who meet certain criteria, such as being a service member or a family member of someone who is part of the military community. We also welcome employees of the Department of Defense and other affiliated organizations. For a full list of eligibility requirements, feel free to check out this page. Once you know you qualify, opening an account with us is straightforward and hassle-free. Simply visit us at our branch located at 1080 W Lexington St Oak Harbor Wa 98278 or give us a call at (888) 842-6328 for assistance. We're here to guide you through every step of the process, ensuring that you feel comfortable and informed. Join us today at Navy Federal Credit Union and experience the benefits of being part of our credit union family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a reliable payment solution that simplifies transactions for your customers while boosting your revenue. Our merchant services are designed to do just that. From secure credit card processing to easy online payment options, we equip you with the tools necessary to thrive in today's marketplace. Located at 1080 W Lexington St Oak Harbor Wa 98278 in Oak Harbor, WA, we're here to help you take your business to new heights. Contact us at (888) 842-6328 to learn more about how our business banking services can make a difference for you!

Tailored Loan Options

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.

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners, we offer tailored solutions through our Business Banking services. From Merchant Services that simplify transactions to various types of Business Loans, we support local businesses in reaching their full potential.

Convenient Access

We understand the importance of having access to cash when you need it. Our ATM & Cash Withdrawal Services ensure that you can easily access your funds whenever necessary. With basic ATM capabilities like withdrawals and balance checks available at multiple locations, managing your finances on-the-go has never been easier. In today's fast-paced world, convenience is key. That's why all of our services are designed with ease of access in mind. You can rest assured knowing that whether you're at home or on the move, you have everything you need at your fingertips. If you have any questions about our services or how we can assist you further, feel free to call us at 888-842-6328. We invite you to visit us at Navy Federal Credit Union in Oak Harbor or explore more about what we offer by visiting our website here. Join us today and discover how we can help improve your financial journey!

Loans for Every Need

When it comes to financing, whether you're buying a new car or refinancing your home, our Auto Loans & Vehicle Financing and Mortgage Loans & Refinancing options make it easy for you to achieve your goals. You might find yourself needing a personal loan for unexpected expenses or debt consolidation; our Personal Loans can provide the financial flexibility you need. Additionally, our credit cards come with rewards that can benefit your lifestyle.

Personal Banking

For those who need reliable everyday banking options, our Personal Banking services include checking and savings accounts that can help you manage your funds efficiently. Imagine having instant access to your money through our Online & Mobile Banking platforms, allowing you to check balances, transfer funds, and pay bills right from your smartphone or computer.

Digital & Online Banking

At Navy Federal Credit Union, we understand that your time is valuable. That's why we've designed our digital and online banking services to be both convenient and secure, allowing you to manage your finances from anywhere, at any time. With our robust online banking platform, accessible through this link, you can easily check your account balances, transfer funds, and pay bills all with just a few clicks. We also offer e-statements, so you can stay organized without the clutter of paper statements. Plus, if you're on the go, our mobile application puts banking right in your pocket. Whether you're making mobile payments or managing your account, everything is user-friendly and secure. Need to send money to a friend? Our person-to-person transfer feature makes it quick and simple. Just a few taps on your phone or clicks on your computer, and the money is on its way! And for added convenience, we support electronic signature authorization for important documents, making it easier to handle your banking needs without having to visit a branch. Our commitment to security means that all transactions are protected with the latest technology. You can bank confidently knowing that your personal information is safe with us. Enjoy 24/7 access to all these features through our online banking services; whether it's day or night, we're here for you. Experience the ease of managing your finances digitally with Navy Federal Credit Union your partner in achieving financial peace of mind!

Financial Strength

Committed to Growth

Our commitment to growth is reflected in our $399,808,576 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $1,023,510 in used auto loans and $131,920,000,000 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Secure Savings Options

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.

Solid 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 $1,181 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Operational Efficiency

Our operational efficiency is evident with a net income of $0, enabling 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, committed team.

Trustworthy Member Base

With total share accounts reaching 30,809,321, we have built a strong and growing member base that trusts us with their finances. Our net shares amounting to $1,127,735,547 highlight the funds available for lending and investments. 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 1080 W Lexington St Oak Harbor Wa 98278 or call (888) 842-6328 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Services

If you're considering refinancing or exploring eligibility options for any of our loan products, we're here to assist you. Our team at Navy Federal Credit Union, located at 1080 W Lexington St Oak Harbor Wa 98278, Oak Harbor, WA, is dedicated to providing personalized service tailored to meet your financial needs. Give us a call at (888) 842-6328 for more information or visit our website for details on how we can help you secure the right loan for your situation. 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're committed to transparency and want you to feel confident in your choices. Let us help you take the next step towards reaching your financial goals!

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 looking for a new or used vehicle, our financing options are tailored to fit your budget and lifestyle.

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 faced by small businesses and are here to support you every step of the way.

Credit Card Loans

Managing day-to-day expenses can be challenging. 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 option allows you to make purchases when needed while providing an easy way to pay back over time.

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 aim to provide you with affordable rates and flexible terms, ensuring that your path to owning a home is as smooth as possible.

Loan Aggregator

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