Navy Federal Credit Union

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<title>Navy Federal Credit Union | San Diego, CA · reviews &amp; AI Score · Local AI Registry</title>
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<meta property="og:title" content="Navy Federal Credit Union · AI Score 25 of 100 · Poor">
<meta property="og:description" content="Navy Federal is a credit union in San Diego, CA. It's rated 3.7 on Google from 63 reviews. Named by 0 of 2 AI assistants.">
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# Local AI Registry

> The public record of what AI assistants say about local businesses. Every entry checked, scored, and kept current.

Local AI Registry is the editorial, never-sponsored record of what local
businesses are known for, and whether AI assistants actually recommend them.
We score every local business the same way and rank them: website, reviews,
AI visibility, and more. Eight signals, one number from 0 to 100. The heaviest
is whether AI can retrieve you at all.

## Read these first

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## Business pages

- [Sitemap](https://localairegistry.com/sitemap.xml): Every business page on the registry, with the day each was last updated.
- Every business page has a markdown copy at its own address with `.md` on the end. The copy holds the same facts, marks and sources as the page, in the page's order: the photos with their captions, the team and their licenses, the reviews summary, and the questions locals asked with the replies. The page names it in its head and its HTTP `Link` header.

# Navy Federal Credit Union, San Diego: a credit union in San Diego (2026 guide)

Source: Local AI Registry, https://localairegistry.com/biz/ca/san-diego/navy-federal-credit-union-san-diego-ca. Free to reuse with a link back.

By Steve Lee, founder and CEO of Local AI Registry. Fact-checked against 31 sources. Updated 2026-08-19. Owner review: not yet.

Canonical: https://localairegistry.com/biz/ca/san-diego/navy-federal-credit-union-san-diego-ca

## Photos

- ![Photo 1](https://localairegistry.com/api/photo?src=https%3A%2F%2Fseoaesthetic-assets.sfo3.cdn.digitaloceanspaces.com%2Fphotos%2Fcmszhtlup00o3yetipw2y8taw%2F0.jpg)
- ![Photo 2](https://localairegistry.com/api/photo?src=https%3A%2F%2Fseoaesthetic-assets.sfo3.cdn.digitaloceanspaces.com%2Fphotos%2Fcmszhtlup00o3yetipw2y8taw%2F1.jpg)
- ![Photo 3](https://localairegistry.com/api/photo?src=https%3A%2F%2Fseoaesthetic-assets.sfo3.cdn.digitaloceanspaces.com%2Fphotos%2Fcmszhtlup00o3yetipw2y8taw%2F2.jpg)
- ![Photo 4](https://localairegistry.com/api/photo?src=https%3A%2F%2Fseoaesthetic-assets.sfo3.cdn.digitaloceanspaces.com%2Fphotos%2Fcmszhtlup00o3yetipw2y8taw%2F3.jpg)
- ![Photo 5](https://localairegistry.com/api/photo?src=https%3A%2F%2Fseoaesthetic-assets.sfo3.cdn.digitaloceanspaces.com%2Fphotos%2Fcmszhtlup00o3yetipw2y8taw%2F4.jpg)


## In short

Navy Federal Credit Union is a credit union in San Diego, CA. Its AI Score is 25 of 100, which is poor.

Every fact on this page carries one of three marks: Confirmed (from their website, Google Business Profile, review sites, licensing boards, or measured by Local AI Registry), Visitor submitted (added by a person, with a date and how they know), or AI guess (what AI engines like Gemini and ChatGPT are saying, not confirmed by anyone). Every mark points to a reference at the end of this page.


## Key facts

| Fact | Value |
| --- | --- |
| Type | Credit union |
| Address | 3950 Clairemont Mesa Blvd, San Diego, CA 92117, USA |
| Hours | Mon to Fri 9 AM to 5 PM · Sat 9 AM to 2 PM · Closed Sun |
| Phone | (888) 842-6328 |
| Owner | Nothing found |
| Rating | 3.7 across 63 reviews on Google |
| Known for | Navy Federal Credit Union is best known for its exceptional auto loan refinancing services, providing members with competitive rates and efficient processes. They also offer valuable tools like financing calculators to assist in vehicle purchases. |
| Prices | Nothing found |
| Quietest time | Saturday |
| Parking | Nothing found |
| Last verified | September 19, 2026, 12:15 AM |


## All the details

Every row is something the owner can add or correct. Each one is marked Confirmed, Visitor submitted or AI guess, with where it came from.

| Group | Fact | Value | Mark | Evidence |
| --- | --- | --- | --- | --- |
| Location info | Name | Navy Federal Credit Union | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Location info | Address | 3950 Clairemont Mesa Blvd, San Diego, CA 92117, USA | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Location info | Phone | (888) 842-6328 | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Location info | Hours | Mon to Fri 9:00 AM to 5:00 PM · Sat 9:00 AM to 2:00 PM · Sun Closed | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Location info | Description | Navy Federal Credit Union proudly serves the armed forces, DoD, veterans and their families. Enjoy great rates, discounts and award-winning 24/7 member service. Join a credit union that supports the military and understands what it means to serve by visiting the Navy Federal website, or one of our 380+ branches worldwide. Our Members Are the Mission®. Insured by NCUA. | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Hours | Monday | 9:00 AM to 5:00 PM | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Hours | Tuesday | 9:00 AM to 5:00 PM | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Hours | Wednesday | 9:00 AM to 5:00 PM | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Hours | Thursday | 9:00 AM to 5:00 PM | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Hours | Friday | 9:00 AM to 5:00 PM | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Hours | Saturday | 9:00 AM to 2:00 PM | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Hours | Sunday | Closed | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Services | Service | 1 password | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | 2 step verification | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Account notification | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Ach | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Apps | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Atm security | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Bill pay | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Card fraud | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Card management | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Cashiers checks | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Cash transfers | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Digital banking tutorials | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Digital security | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Faster payments | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Features | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Identity theft | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Loans | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Making loan payments | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Mobile deposits | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Paperless statements | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Participation loans | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Partners | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Phishing scams | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Report fraud | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Security watch | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Transfer funds | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Voice id | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Wire transfers | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Zelle | Confirmed | Business website, checked Sep 19, 2026 |
| Services | Service | Zero liability | Confirmed | Business website, checked Sep 19, 2026 |
| Links | Website | https://www.navyfederal.org/branches-atms/locations/usa/ca/san-diego/clm.html | Confirmed | Google Business Profile, checked Aug 18, 2026 |
| Links | Instagram | https://instagram.com/navyfederal | AI guess | Our record |
| Links | Facebook | https://facebook.com/navyfederal | AI guess | Our record |


## Services and prices

These are the 30 services Navy Federal offers, with the price where we have one and where it came from.

| Service | Price | Price mark | Price evidence | Service mark |
| --- | --- | --- | --- | --- |
| 1 password |  |  |  | Confirmed |
| Card fraud |  |  |  | Confirmed |
| Features |  |  |  | Confirmed |
| Identity theft |  |  |  | Confirmed |
| Ach |  |  |  | Confirmed |
| Atm security |  |  |  | Confirmed |
| Report fraud |  |  |  | Confirmed |
| Security watch |  |  |  | Confirmed |
| Transfer funds |  |  |  | Confirmed |
| Voice id |  |  |  | Confirmed |
| 2 step verification |  |  |  | Confirmed |
| Account notification |  |  |  | Confirmed |
| Apps |  |  |  | Confirmed |
| Wire transfers |  |  |  | Confirmed |
| Card management |  |  |  | Confirmed |
| Zelle |  |  |  | Confirmed |
| Zero liability |  |  |  | Confirmed |
| Loans |  |  |  | Confirmed |
| Making loan payments |  |  |  | Confirmed |
| Mobile deposits |  |  |  | Confirmed |
| Paperless statements |  |  |  | Confirmed |
| Participation loans |  |  |  | Confirmed |
| Partners |  |  |  | Confirmed |
| Bill pay |  |  |  | Confirmed |
| Faster payments |  |  |  | Confirmed |
| Phishing scams |  |  |  | Confirmed |
| Cashiers checks |  |  |  | Confirmed |
| Cash transfers |  |  |  | Confirmed |
| Digital banking tutorials |  |  |  | Confirmed |
| Digital security |  |  |  | Confirmed |


### Known for

Navy Federal Credit Union is best known for its exceptional auto loan refinancing services, providing members with competitive rates and efficient processes. They also offer valuable tools like financing calculators to assist in vehicle purchases.


## The team

Nothing found


## Visiting Navy Federal

Address: 3950 Clairemont Mesa Blvd, San Diego, CA 92117, USA. Phone: (888) 842-6328. Hours: Mon to Fri 9 AM to 5 PM · Sat 9 AM to 2 PM · Closed Sun. (Confirmed, Google Business Profile, checked August 18, 2026 at 7:49 PM.)


### Location info from Google Business Profile

Business description, written by Navy Federal on its Google Business Profile: "Navy Federal Credit Union proudly serves the armed forces, DoD, veterans and their families. Enjoy great rates, discounts and award-winning 24/7 member service. Join a credit union that supports the military and understands what it means to serve by visiting the Navy Federal website, or one of our 380+ branches worldwide. Our Members Are the Mission®. Insured by NCUA."


### When to go

Quietest day: Saturday. Busiest day: Friday. From the popular times on its Google listing.


### Parking and getting in

Nothing found


### Nearby

| Place | Type | Distance |
| --- | --- | --- |
| Jack in the Box | Fast food restaurant | 1 min walk |
| Clairemont Dr & Clairemont Mesa Bl | Bus stop | 2 min walk |
| Clairemont Dr & Clairemont Mesa Bl | Transit station | 2 min walk |
| Greenhaus Eatery | Indian restaurant | 2 min walk |
| Indya Restaurant & Bar | Indian restaurant | 2 min walk |
| Sushi Fish Attack | Sushi restaurant | 2 min walk |


## Reputation

3.7 average across 63 reviews: Google 25. (Confirmed, read August 18, 2026.)

This branch struggles with customer service consistency, leading to frustration among members despite some positive interactions. (AI guess, from 63 reviews.)


### What people like

- Prompt service getting in and out quickly
- Friendly staff able to help with requests


### What people do not like

- Rude and unhelpful staff interactions
- Long waits for customer service
- ATM frequently broken and not accepting cash deposits
- Inconsistent information from staff regarding account issues


### Press

No press story about Navy Federal found yet.


### Awards

None named yet.


### Directories

Directory listings not read yet.


## Recent updates from Navy Federal

Navy Federal hasn't posted an update here yet.


## Questions people ask


### points or member pricing here, worth signing up?

No answer yet


### anywhere cheaper than Navy Federal in San Diego that is still good?

No answer yet


### does this place ever have cancellations

No answer yet


### parking at Navy Federal, where does everyone put the car?

No answer yet


### Busiest day at Navy Federal, anyone know?

No answer yet


### opening hours at Navy Federal in San Diego, what are they these days?

No answer yet


### bad experiences at Navy Federal, anyone?

No answer yet


### best credit union in San Diego

No answer yet


### do I need to book this place or can I just turn up?

No answer yet


### Booking a first visit at Navy Federal, what happens?

No answer yet


### what is actually on the menu here?

No answer yet


### Worth the hype at Navy Federal?

No answer yet


### prices round here, anyone got a number

No answer yet


### anything new from Navy Federal lately?

No answer yet


### anyone been on a Sunday, were they trading

No answer yet


### the good stuff about this place, what is it?

No answer yet


### which one, Navy Federal or California Coast?

No answer yet


## What AI gets wrong about Navy Federal

We ask Gemini and ChatGPT about Navy Federal. These are the answers that disagree with the record.

ChatGPT and Gemini, read by Local AI Registry on Aug 18, 2026.

No capture has disagreed with the record yet.


## The AI Score: 25 of 100

The AI Score measures how likely AI engines are to recommend a business, and how accurately. San Diego credit unions run 21 to 59. Fair starts at 45, good at 65. Navy Federal scores 25, below the San Diego average of 40. The same method scores every business on the registry.

| Signal | Weight | Score | What it measures | Navy Federal |
| --- | --- | --- | --- | --- |
| Retrieval grounding | 26 | 0 | Whether you appear in the ranked results AI retrieves and cites: AI-Overview citations, organic top-10 for your money queries, and the Bing index ChatGPT leans on. | Poor |
| Off-property attestation | 20 | 40 | Volume and consistency of what others say about you: YouTube mentions, branded web mentions, third-party “best-of” lists. The cause of retrievability. | Poor |
| AI visibility | 14 | 0 | Whether ChatGPT, Gemini, Perplexity, and AI Overviews name you, and whether they name you for the right service. | Named in 0 of 1 answer that recommended anyone. 1 more named nobody, which is not a loss and is not scored. |
| Reviews & response | 12 | 77 | The star average is only one input. We also read volume, velocity, the specificity of review language, and response cadence. Specific reviews are what AI quotes verbatim. | Good |
| Backlink & citation authority | 8 | 68 | Domain authority and editorial quality of the sources that attest to you. | Good |
| Google Business Profile | 8 | 90 | Required and recommended fields; update cadence. The listing AI pulls from first. | Good |
| Speed & mobile | 7 | 18 | Core Web Vitals at the 75th percentile, on a real phone. | Poor |
| Content freshness & schema | 5 | 83 | Crawl recency, intent alignment, valid JSON-LD, canonicals. | Good |

Full method: https://localairegistry.com/methodology


## How AI decides what to tell you about a credit union

When you ask ChatGPT, Gemini or Google about a local business, the AI doesn't visit it. It reads what's already written about it: the business's website, its Google Business Profile, review sites, news stories and directories like this one. Then it repeats what those sources agree on.

That's why AI gets small facts wrong. If Yelp says a place is open Mondays and the website says it isn't, the AI has to pick one. The table above shows the answers that disagree with the record today.

The more sources agree, and the more specific they are, the more confidently AI recommends a business. A review that names who helped and what they did tells an AI far more than one that says "great place."


## How to choose a credit union in California, with or without AI

A few checks take ten minutes and tell you more than any rating.

- Check that the hours and phone number match on Google, Yelp and the business's own website. Mismatches are how people end up at a locked door.
- Read reviews that name a person and what they did. Vague praise is easy to fake.
- Look for recent reviews and recent posts. A page nobody has touched in a year may not match the business today.
- Ask for the price before you go, and ask what it includes.
- Where the work needs a license, ask whose license it is and look it up with California.


## How to read the marks on this page

- Confirmed (solid circle): from a known source. The business website, its Google Business Profile, review sites like Yelp, Healthgrades and RealSelf, a licensing board, or measured by Local AI Registry.
- Visitor submitted (hollow circle): added or corrected by a person, with the date and how they know, like a phone call or a visit.
- AI guess (hollow triangle): what AI engines are saying right now. Nobody has confirmed it.


## About the author

Steve Lee is the founder and CEO of Local AI Registry and sets its editorial standards. He is a former Google executive in Search and a former Microsoft executive, with more than 20 years in digital: search, local discovery, and how people find businesses online. He is based in Irvine.

- Expertise: search at Google and Microsoft, AI search, answer engine optimization, generative engine optimization, local SEO, structured data and entity mapping.
- Industry: medical aesthetics, injectables, med spa operations and marketing.
- Disclosure: Local AI Registry sells services to business owners, including Navy Federal if it claims this page. That does not change what this page says. Every fact carries its source.


## Entity map

Every person, place, organization and treatment named on this page, with a stable ID and a public reference. The JSON-LD below connects them to each other.

| Entity | Type | ID on this page | Same as | Relationship to Navy Federal |
| --- | --- | --- | --- | --- |
| Navy Federal Credit Union | LocalBusiness | #business | https://www.navyfederal.org/branches-atms/locations/usa/ca/san-diego/clm.html | Subject of this page |
| San Diego, California | City | #city | Nothing found | City Navy Federal is in |
| Local AI Registry | Organization | #publisher | https://localairegistry.com | Publisher of this page |
| Steve Lee | Person | #author | https://localairegistry.com/team | Author of this page |


## Topical map

Where this page sits in the registry. It's one profile among the credit unions in San Diego, linked to the lists and towns around it.


### Lists

- Best credit unions in San Diego: https://localairegistry.com/leaderboards/ca/san-diego/credit-union
- Best businesses in San Diego: https://localairegistry.com/leaderboards/ca/san-diego


### Nearby

- /los-angeles: https://localairegistry.com/leaderboards/ca/los-angeles
- /san-francisco: https://localairegistry.com/leaderboards/ca/san-francisco
- /san-jose: https://localairegistry.com/leaderboards/ca/san-jose
- /irvine: https://localairegistry.com/leaderboards/ca/irvine
- /fresno: https://localairegistry.com/leaderboards/ca/fresno
- /palo-alto: https://localairegistry.com/leaderboards/ca/palo-alto


### Every list

- Every leaderboard in California: https://localairegistry.com/leaderboards/ca


## Frequently asked questions


### What is AI search optimization for local business?

Getting a business named when a neighbor asks ChatGPT, Gemini, or Perplexity for a recommendation. Some call it AI SEO, some call it generative engine optimization. Traditional SEO fights for ten blue links; this fights for the one answer an assistant says out loud. The AI Score on this page measures the eight signals that drive it.


### What is Local AI Registry?

The public record of how AI sees local business. We score every business we list by one published method, we keep the questions people ask about it in one place, and we never sell rank. Looking up any business here is free.


### How does this page help a business get recommended by AI?

Assistants read public pages before they answer. This one states what the business does, what people ask about it, and what the Record answers, in one place a machine can read. Correcting what is wrong here changes what an assistant repeats next.


### Who writes the answers here?

Registry AI writes the first answer under every question, from the Record and the public sources named beneath it. Neighbors write the rest under pseudonyms. A registered owner can reply as the business, and their reply says so.


### I own Navy Federal Credit Union. How do I fix something or rank higher?

Register the page. It is free, it takes about five minutes, and it lets you correct the Record and reply as the business. Nothing on this page is for sale, so the only thing that moves the score is the work.


## References


### Sources cited

- [1] Google Business Profile, https://www.google.com/maps/place/?q=place_id:ChIJZYeN6FgA3IARHPJoPoAmhLA (accessed Aug 18, 2026)
- [2] navyfederal.org, https://www.navyfederal.org/services/security/1-password.html (accessed Sep 19, 2026)
- [3] navyfederal.org, https://www.navyfederal.org/services/security/two-step-verification.html (accessed Sep 19, 2026)
- [4] navyfederal.org, https://www.navyfederal.org/services/mobile-online-banking/notifications.html (accessed Sep 19, 2026)
- [5] navyfederal.org, https://www.navyfederal.org/services/transfers/ach.html (accessed Sep 19, 2026)
- [6] navyfederal.org, https://www.navyfederal.org/services/mobile-online-banking/apps.html (accessed Sep 19, 2026)
- [7] navyfederal.org, https://www.navyfederal.org/services/security/atm-security.html (accessed Sep 19, 2026)
- [8] navyfederal.org, https://www.navyfederal.org/services/mobile-online-banking/bill-pay.html (accessed Sep 19, 2026)
- [9] navyfederal.org, https://www.navyfederal.org/services/security/card-fraud.html (accessed Sep 19, 2026)
- [10] navyfederal.org, https://www.navyfederal.org/services/mobile-online-banking/card-management.html (accessed Sep 19, 2026)
- [11] navyfederal.org, https://www.navyfederal.org/services/transfers/cashiers-checks.html (accessed Sep 19, 2026)
- [12] navyfederal.org, https://www.navyfederal.org/services/transfers/cash-transfers.html (accessed Sep 19, 2026)
- [13] navyfederal.org, https://www.navyfederal.org/services/mobile-online-banking/tutorials.html (accessed Sep 19, 2026)
- [14] navyfederal.org, https://www.navyfederal.org/services/security/digital-security.html (accessed Sep 19, 2026)
- [15] navyfederal.org, https://www.navyfederal.org/services/transfers/faster-payments.html (accessed Sep 19, 2026)
- [16] navyfederal.org, https://www.navyfederal.org/services/security/features.html (accessed Sep 19, 2026)
- [17] navyfederal.org, https://www.navyfederal.org/services/security/identity-theft.html (accessed Sep 19, 2026)
- [18] navyfederal.org, https://www.navyfederal.org/services/business/loans.html (accessed Sep 19, 2026)
- [19] navyfederal.org, https://www.navyfederal.org/services/transfers/making-loan-payments.html (accessed Sep 19, 2026)
- [20] navyfederal.org, https://www.navyfederal.org/services/mobile-online-banking/mobile-deposits.html (accessed Sep 19, 2026)
- [21] navyfederal.org, https://www.navyfederal.org/services/mobile-online-banking/paperless-statements.html (accessed Sep 19, 2026)
- [22] navyfederal.org, https://www.navyfederal.org/services/business/participation-loans.html (accessed Sep 19, 2026)
- [23] navyfederal.org, https://www.navyfederal.org/services/business/partners.html (accessed Sep 19, 2026)
- [24] navyfederal.org, https://www.navyfederal.org/services/security/phishing-scams.html (accessed Sep 19, 2026)
- [25] navyfederal.org, https://www.navyfederal.org/services/security/report-fraud.html (accessed Sep 19, 2026)
- [26] navyfederal.org, https://www.navyfederal.org/services/security/security-watch.html (accessed Sep 19, 2026)
- [27] navyfederal.org, https://www.navyfederal.org/services/transfers.html (accessed Sep 19, 2026)
- [28] navyfederal.org, https://www.navyfederal.org/services/security/voice-id.html (accessed Sep 19, 2026)
- [29] navyfederal.org, https://www.navyfederal.org/services/transfers/wire-transfers.html (accessed Sep 19, 2026)
- [30] navyfederal.org, https://www.navyfederal.org/services/transfers/zelle.html (accessed Sep 19, 2026)
- [31] navyfederal.org, https://www.navyfederal.org/services/security/zero-liability.html (accessed Sep 19, 2026)