Flexible Options for Your Goals
Choose from a variety of certificates and IRA options designed to support both short-term savings and long-term retirement planning.
Certificate Accounts and IRAs
No matter your goals, Navigator offers certificate accounts and IRAs to help you save with confidence and plan for the future.
Predictable, Stable Savings
Enjoy steady, dependable growth that helps you plan with confidence, without worrying about market ups and downs.
Federally Insured Security
Your savings are protected by the NCUA for up to $250,000, giving you peace of mind as your money grows.
Easy to Get Started
With accessible minimums and multiple ways to open, it’s simple to start building your savings today.
Certificates Accounts
Build your savings with secure, predictable growth. Navigator Credit Union offers a range of certificate and retirement options designed to help you reach your financial goals.
Open a new certificate account below or visit a Navigator branch.
Traditional IRA and Roth IRA
Take control of your retirement with flexible IRA options designed to fit your future.
- Easy to set up and manage
- Secure savings with competitive rates
- Tax advantages depending on your IRA type
- Open in branch
A traditional IRA, a Roth IRA, or an IRA certificate must be opened in branch only.
IRA Certificates
Looking for stability in your retirement plan? IRA Certificates offer a low-risk way to grow your retirement savings with guaranteed returns.
- Fixed, higher-yield rates for steady growth
- Terms from 6 to 60 months
- $1,000 minimum opening deposit
- Open in branch
A smart option for long-term retirement planning without market volatility. A traditional IRA, a Roth IRA, or an IRA certificate must be opened in branch only.
Jumbo Certificates and IRA Certificates
Maximize your earnings with higher rates on larger balances.
- Higher returns than standard certificates
- Terms from 6 to 60 months
- $100,000 minimum deposit
- Open in branch
Ideal for those looking to grow substantial savings with minimal risk. To open a Jumbo or IRA certificate account visit a Navigator branch.
1st Nvestor Certificates
Start small and build toward bigger savings.
- Designed to help you grow into a full certificate
- 6-month term
- Only $10 weekly deposits required
- Open in branch or through digital banking
A great way to build consistent savings habits. No large upfront deposit needed. Open a 1st Nvestor certificate account below or visit a Navigator branch.
Certificates Calculator
Certificates and IRA FAQs
No. Your rate of return is guaranteed. Certificates offer a predictable and secure way to grow your savings, making them a great option for long-term goals or retirement planning.
Yes. Navigator’s certificates (also known as share certificates) are federally insured by the NCUA (National Credit Union Administration) for up to $250,000 per person, providing peace of mind for your savings.
When you open a 12-month certificate, you agree to keep your funds on deposit for the full term. In return, you’ll earn dividends at a fixed rate. At maturity, you can withdraw your original deposit along with the dividends earned.
IRA certificates offer guaranteed, fixed rates of return, helping your retirement savings grow steadily over time without exposure to market fluctuations. Like other credit union accounts, IRA certificates are also federally insured by the NCUA for up to $250,000 per person.
With a 1st Nvestor Certificate, you’ll make ongoing deposits of at least $10 per week to help grow your savings. For all other Navigator certificates, additional deposits cannot be made after the account is opened. However, you can always open additional certificate accounts to continue building your savings.
Certificate and IRA Resources
IRA e-Resource Center
Explore a collection of easy-to-understand e-brochures designed to help you learn the basics of Individual Retirement Accounts and plan for your future.
Ask a Financial Advisor: Which Type of IRA is Right for You?
Get expert insights on the differences between IRA options so you can choose the one that best fits your financial goals.
Choosing the right savings account for your goals
Learn how different savings options work and find the account that best supports your short- and long-term financial goals.
Explore More Ways to Save
Your goals are unique, and your savings plan should be too. Explore Navigator’s full range of accounts designed to help you save smarter and grow with confidence.