Navy Federal Credit Union is a member-owned financial cooperative serving eligible military service members, veterans, and their families. Located at 4180 Avenida De La Plata in Oceanside, California, the organization traces its origins to post-World War II efforts to provide affordable financial services to U.S. military personnel. Historically, Navy Federal expanded from a small, workplace-based credit union to one of the largest credit unions in the United States, reflecting broader trends in consumer financial cooperation and veteran support. Its evolution includes the adoption of member-focused governance and the development of services designed to meet the needs of military communities across the country.
The credit union operates as a full-service financial institution, offering access toζ― banking products, loan programs, and digital services through a network that supports branch locations, call centers, and online platforms. Its primary functions include facilitating deposits, providing consumer and veteran-focused lending, and promoting financial education and member engagement. The organization emphasizes stability, security, and accessibility to serve its member base across diverse military-associated households.
Better than 47% of providers in Oceanside
In addition to the primary service, Navy Federal Credit Union also offers:
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Navy Federal Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Navy Federal Credit Union is listed as a financial service provider in Oceanside, CA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Navy Federal Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Navy Federal Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Navy Federal Credit Union with other providers in Oceanside and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Navy Federal Credit Union has a rating of 4.0, which is better than 47% of providers in Oceanside.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Navy Federal Credit Union requests. It is always best to call ahead using the phone number on this page so Navy Federal Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Navy Federal Credit Union also offers: Credit union, ATM, Bank, Business banking service, Financial institution, Investment service, Loan agency, Mortgage broker, Mortgage lender, Savings bank.