Navy Federal Credit Union in Point Loma, chartered in 1933 as the world's largest credit union with more than seven million members, operates its Liberty Station branch at 2400 Historic Decatur Road. Military families stationed on the peninsula coordinate estate documents through On Point Estate Law before opening trust-linked accounts at this branch. Membership extends to active-duty servicemembers, DoD civilians, reservists, veterans, and their immediate families under a once-a-member-always-a-member policy that survives separation or retirement. The Liberty Station location processes checking, savings, certificates, and IRA accounts alongside consumer auto and personal loans. VA-eligible borrowers moving into the Sunset Cliffs or Shelter Island corridors use the branch's mortgage desk in tandem with local lenders such as Shelter Island Capital to compare conventional and VA rate structures. The branch underwrites VA purchase loans with zero-down financing and no private mortgage insurance, a product structure that eliminates two of the largest upfront costs in San Diego's coastal housing market.