Navy Federal Credit Union

260 N EL CAMINO REAL Ste D, Encinitas, CA

Encinitas
4.9/10 21 Ratings
Address:
 260 N EL CAMINO REAL Ste D
 Encinitas, CA 92024
  
 Large Map & Directions
  
Phone:
 (888) 842-6328
  
Website:
 https://www.navyfcu.org/
  
Lobby Hours
Mon:09:00 AM - 06:00 PM
Tue:09:00 AM - 06:00 PM
Wed:09:00 AM - 06:00 PM
Thu:09:00 AM - 06:00 PM
Fri:09:00 AM - 06:00 PM
Sat:09:00 AM - 02:00 PM
Sun:Closed
Chartered On:
 July 17, 1947
  
Charter Number:
 5536
  
Total Assets:
 $63,632,027,594
  
Deposit Insurance:
 NCUA
Number of Members:
 5,297,943
  
CEO:
 James C Dawson
  
Member of FHLB:
 Yes
  
Low Income Designation:
 No
  
Institution Class:
 Federal Credit Union - Military
Routing #
Type
Description
256074974
Access to Electronic Services
  • Audio Response/Phone Based
  • Kiosk
  • Home Banking via Internet Website
  • Automatic Teller Machine (ATM)
  • Mobile Banking
Credit Union Programs
  • Brokered Deposits (all deposits acquired through a third party)
  • Mortgage Processing
  • Borrowing Repurchase Agreements
  • Investment Pilot Program (FCU Only)
  • Brokered Certificates of Deposit
  • Approved Mortgage Seller
Electronic Services
  • Account Balance Inquiry
  • Member Application
  • Download Account History
  • Bill Payment
  • Merchandise Purchase
  • Share Account Transfers
  • New Loan
  • Loan Payments
  • Mobile Payments
  • View Account History
  • Share Draft Orders
  • Merchant Processing Svs
  • New Share Account
  • External Account Transfers
  • e-Statements
Services & Products - Credit
  • Share Secured Credit Cards
  • Risk Based Loans
  • Business Loans
  • Overdraft Lines of Credit
  • Real Estate Loans
  • Credit Builder
  • Participation Loans
  • Micro Business Loans
  • Debt Cancellation/Suspension
  • Interest Only or Pymt Option
  • Overdraft Protection/ Courtesy Pay
  • Micro Consumer Loans
Services & Products - Depository
  • Business Share Accounts
  • Share Certificates with low minimum balance requirement
  • No Cost Share Drafts
Services & Products - Financial Education
  • Financial Literacy Workshops
  • First Time Homebuyer Program
  • Financial Education
  • Financial Counseling
Services & Products - Other
  • Insurance/Investment Sales
  • No Cost Bill Payer
Services & Products - Transactional
  • No surcharge ATMs
  • Check Cashing
  • ATM/Debit Card Program
  • Prepaid Debit Cards
  • Money orders

Reviews & Feedback

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Rate This Credit Union:
38 Comments
4.9/10 21 Ratings
10/10
Reviewer:Keith wayne richard
Date:June 24, 2023

Three or more indian females stole everything's from Colorado technical university student id number 805179

Reviewer:Erick Guevara
Date:March 12, 2022

No aun

Reviewer:Webster Fleming
Date:March 10, 2022

The Best

1/10
Reviewer:Anonymous User
Date:Oct. 1, 2021

Employee from this germantown branch is stealing money from people accounts

1/10
Reviewer:Anonymous User
Date:Feb. 14, 2020

lund

Reviewer:Anonymous User
Date:Oct. 7, 2019

When you call no one ever knows what notes was taken, because they cant see them.

10/10
Reviewer:Anonymous User
Date:Sept. 30, 2019

OUTSTANDING

1/10
Reviewer:Tracie Cassell
Date:Sept. 24, 2018

My daughter is having great difficulty getting a mortgage loan from Navy Federal. She more than qualifies but this process has taken over 4 months! Her "loan officer" does not pick up her phone or respond to her Emails. The electronic age has taken the "service" out of customer service, unfortunately. My daughter is trying to buy the product you sell....a loan...but this loan officer is acting like Navy Federal needs the business!

4/10
Reviewer:Monica Gardner
Date:Sept. 10, 2018

The young blond all the way on the end was quick and nice, but I left my tervis (mother of dragons) mug & I'd like it back but there's no phone number tip the actual branch

10/10
Reviewer:Anonymous User
Date:Aug. 14, 2018

THESE COMMENTS DO NOT GO TO THE CREDIT UNION, FOR THOSE OF YOU THINKING THEY DO.

THIS IS NOT THE NFCU SITE.

Reviewer:Luis Rodriquez Sánchez
Date:July 13, 2018

interesado abril. cuenta

Reviewer:Anonymous User
Date:June 13, 2018

Having trouble getting on my account

The numbest I call do not go through I am very upset I need to get into my acount if someone does not Call me back I will change my bank
Call 843 761 0650 asap

1/10
Reviewer:James A. Quail
Date:June 4, 2018

I am writing on behalf of my Son James P. Quail. I want to know why two checks
were returned, who took the action to do it and why no one can find those to checks, February and March. I want names and answers ASAP. I don't think you want me to go to the Banking Association or have an attorney look into this matter. Solve it now, and for the inconvenience to my son having his truck taken away for someones stupidity,you should pay all fees, missing payments and pay off his truck. I am use to taking action. Don't doubt me for one second. You cant call in over the phone to stop a check. 24 hrs. for a reply, I will be waiting. A star is to good. Should be the words, Poor Service to my son.
action, don't doubt me for a second

10/10
Reviewer:JAMES M VINCENT-CZBAS
Date:June 4, 2018

As a disabled Desert Storm Navy Veteran, the staff at the Groton CT branch on Sailfish Drive always treat me with respect and dignity; as they always go out of there way to expedite all of my transactions as expeditiously as possible. Being disabled, unable to walk far or stand for long periods of time, Navy Federal Credit Union makes themselves aware of my medical problems making my monthly visit there very productive and enjoyable.

1/10
Reviewer:Anonymous User
Date:May 11, 2018

If youre trying to fix your credit this place will only screw you over more

1/10
Reviewer:Anonymous User
Date:May 11, 2018

I sat and waited for an hour just to be seen

1/10
Reviewer:Anonymous User
Date:May 11, 2018

They dont help all their members that truly need help only the ones who are financially stable

1/10
Reviewer:Tim Ellis
Date:May 9, 2018

needed to talk to a specific person at the Heritage Oaks Branch and was told they have no public telephone only internal phones, if you want to talk to them you have to come to the branch. That I know is a lie. Why do you make it so difficult to conduct business.

10/10
Reviewer:Ricky Stanford
Date:April 16, 2018

Employees are always very professional.

Reviewer:Anonymous User
Date:April 16, 2018

Change your phone number on your web page.This is very frustrating!!!!!!!

10/10
Reviewer:Anonymous User
Date:April 3, 2018

Hours are:
Monday 8:30am to 5:30pm
Tue, Wed Thur 8:30am to 4:30pm
Friday 8:30am to 5:30pm
Saturday 8:30am to 12:30

Reviewer:Anonymous User
Date:March 31, 2018

Not open on sat

Reviewer:constantino e donatien
Date:Feb. 19, 2018

want to open an account with your credit union business a nonprofit ( 501 c3 ) Open Your Heart to Haiti c c f inc 7700 Krause ave Oakland ,ca 94605

7/10
Reviewer:Anonymous User
Date:Feb. 1, 2018

Give a local phone number, not a toll free clearing house number.

Reviewer:dee
Date:Jan. 10, 2018

Very bad experience. They would not accept my Power of Attorney. It was so upsetting I had to stay home from work. I will now need to seek legal action if they do not relent. I would recommend you go to a bank/credit union that puts people over policy.

1/10
Reviewer:Anonymous User
Date:Oct. 10, 2017

Im a member of 3 different credit unions and I deal with a bunch of different banks at my job and this is by far the worst experience ive ever had! i was lied to and they acted like i was there to steal something!

Reviewer:Jim Kirkland
Date:Sept. 15, 2017

VERY SLOW Website which COULD
NOT answer my desire to view ALL
Maryland NFCU branch locations.

Reviewer:Carol DeLuca
Date:Aug. 5, 2017

We live in Okatie, South Carolina 29909, my son has a business in Hardeeville, and uses your bank for his business. We have to travel 30 minutes to a Navy Federal Credit Union location and all it is is a small ATM in an out house. This is a large military population in Beaufort and you need to build a bank around the Beaufort, Bluffton, Okatie, Hardeeville area. The one in Beaufort is on the Parris Island base, not open to the public.

10/10
Reviewer:Kerry
Date:June 19, 2017

Walked into the bank for the first time in many years since everything is done electronically and loved dealing with the bank teller. She was polite, helpful , friendly, the bank was clean the other tellers had smiles on their faces as they met the other customers. That's when you know people love their job and love seeing other people, when they truly smile. If I lived closer I'd be walking in more often just for the ray of sunshine, but it's well worth the drive when needed.

Reviewer:Nanette Moore
Date:June 6, 2017

I'm new to this area and I need to speak with someone in the Satellite Beach branch. The number on their website is nationwide and keeps disconnecting me! You'd think since it's supposed to be their website they'd have a number that goes directly into their branch! I guess that's asking too much!

My experience so far-----------bad bad bad!

1/10
Reviewer:Anonymous User
Date:June 1, 2017

A foreign senior officer assigned to Norfolk in a few weeks, I tried to open a bank account as son as possible to wire transfer some money from my country in order to facilitate my setting in and to be able to transfer money directly to my landlord or to buy a car.
I was more than poorly welcomed and badly advised to get an ITIN from the IRS !!!
What for ???? I will never pay taxes in the US. All my predecessors and foreign colleagues have been able to open a bank account and I probably came accross a bad clerk, "not very eager or proud to serve". What a pity !!!!!

1/10
Reviewer:GENE BEAVER
Date:May 8, 2017

ANGRY. Called toll free number for Twenty-nine Palms Branch. There is a rotor answering device, I presume an ad asking if "is there anyone In the house hold 50 years of age or older, push one for yes, two for no: ! I wanted to speak to a branch rep, period. since I chose not to press either a 1 or 2, it timed out on me and went to a dial tone (in other words, it hung up on me). I am not sure I want to open an account with a banking facility that wont let me speak to them first, I want to spread some money around but I now have doubts about Navy credit unions.

Reviewer:CHARLENE STOUT
Date:March 30, 2017

I always enjoy a great experience at this branch. The bankers are very, very professional, knowledgable and so helpful. Love, love, love NFCU,

Reviewer:Mary Smith
Date:Jan. 26, 2017

Pls send info for locations of Navy FCU within 50 miles of zip code 08619. Thank you.

Reviewer:Rudolph J. Morris, Jr.
Date:Jan. 9, 2017

I am trying to contact the credit union regarding our credit card. I have lost all information to allow me to contact you. Please provide contact information so that I may speak with someone. Our branch is in 22401, fall Hill.

Thank you so much.

Reviewer:Anonymous User
Date:Dec. 21, 2016

Sucks$$ I just want to check my balance. Don't need all this other junk.

Reviewer:Karl Schnur
Date:Oct. 19, 2016

Curiousity question. I recently (in the past few years) opened new accounts and am doing business with the Navy Federal Credit Union (in DC/Virginia). Also, I served in the US Navy (1968-1972) and was based in Groton in the early 1970's for awhile where I recall having opened an account on the Sub Base. That account was either closed or allowed to go dormant decades ago. BUT, I was wondering if there'd be any way or reason to resurrect that historical connection? Just a long shot curiousity question. Thanks for any info you can share. Karl Schnur

10/10
Reviewer:Anonymous User
Date:Sept. 19, 2016

Great and knowledgeable staff. Never had to wait more than five minutes to be helped. I recommend this branch above the rest in Virginia Beach.