08 Jul

Getting your vehicle road trip ready

Summer is here, and many people are looking forward to getting away. Wherever you are headed, Navigator Credit Union wants to help you get there safely.

A routine vehicle inspection is one step that can save a lot of unwanted stress down the road. The Mississippi Department of Transportation has some advice on what you can do to make sure your vehicle is vacation ready.

  • Check tires for tread wear and proper pressure
  • Check your battery
  • Make sure belts and hoses are in good shape
  • Replace your windshield wiper blades
  • Check all brake and head lights
  • Make sure your air conditioning is ready for the heat

Fluid levels, such as oil, brake, transmission, windshield, coolant and power steering, should also be inspected before hitting the road.

When traveling, it’s a good idea to keep an emergency kit on hand. The kit includes basic repair tools, jumper cables, first aid supplies, a flashlight and duct tape. Also, do not forget a spare car key, kept in a safe space.

These quick and easy steps can help you relax even more knowing your car has been prepped for this year’s road trip.

06 Jun

Navigator celebrates 80th Anniversary

Ingalls Employee Credit Union

Navigator Credit Union is celebrating eight decades of serving the Gulf Coast, and this month the celebration centers around a special day in June. It was June 24, 1939, when seven shipyard workers met and planned to form a credit union to offer co-workers opportunities for saving and for loans. Today, Navigator is Mississippi’s largest state-chartered credit union.

The Mutual Benefit Credit Union was the name chosen by the Ingalls Shipbuilding employees who were the founders and first members. The name was soon changed to Ingalls Employees Credit Union, and decades of growth and expansion of services followed. In 2003, the name Navigator Credit Union was chosen by its members to reflect the broader membership base their Credit Union had grown to serve.

Today, the full-service financial institution has 8 full-service Branches in Mississippi and 5 full-service Branches in Alabama. The Credit Union offers innovative financial services such as Save’N Up Debit Card Savings Program and Credit Builder Loans, as well as interest-bearing checking accounts, high yield savings plans, unlimited rewards credit cards, mortgage services, competitive vehicle loans, retirement planning and more.

A painting commissioned to commemorate Navigator’s 80 years, as “your family’s financial navigator” was unveiled at Navigator’s 80th Annual Shareholders’ Meeting in March and is being featured in anniversary festivities throughout the year. The painting, by a Jackson County (MS) artist, illustrates the unique communities the Credit Union serves. Daphne’s mossy oaks and piers; Mobile’s Middle Bay Lighthouse and historic homes; Pascagoula’s Round Island Lighthouse, bayou fishing camps, pine savannas and forests of Gautier, Hurley and Vancleave; Ocean Springs’ downtown marquee and the Port of Gulfport’s anchor are depicted. The state flowers of Mississippi and Alabama, the magnolia and camellia, are featured, and the Credit Union’s founding sponsor Ingalls Shipbuilding is at its center.

Please join Navigator Monday, June 24, 2019, from 9 a.m. to 5 p.m. at any Branch for a special “Birthday Party” celebration. Members will enjoy light refreshments and commemorative party favors while supplies last. You can find the Branch closest to you by clicking here.

A lot has changed since that muggy day along the east bank of the Pascagoula River, yet the belief “People Mean More than Money” is still fundamental to today’s Navigator Credit Union. Navigator continues to be a member-owned, not-for-profit financial institution working in the best interest of its Members.

23 Apr

Navigator celebrates National Credit Union Youth Month!

The Future is Yours: Picture it! Save for it! Share it!Dreaming of our ideal future delights and inspires us. Children, with their fertile imaginations, are particularly good at dreaming. But to make dreams come true, you need to have clear goals and, very likely, save some money to make them happen. Navigator Credit Union is committed to helping our Members – young and old – achieve financial success.

April is National Credit Union Youth Month. This year’s theme is ‘The Future is Yours: Picture it! Save for it! Share it!” We’re encouraging all Members, particularly the youngest, to wright down their dreams, create vision boards, and encourage each other. These activities will help lay the groundwork for future success.

Putting your dreams and goals down on paper where you can see them every day actually helps you achieve them! Results of a study by Dominican University reveals that writing down your goals on a regular basis makes you 42% more likely to achieve them than if you don’t record them. They determined that using your imagination (right/creative brain) and writing those plans down (left/logical brain) engages your whole brain, including your subconscious. This makes it easier for you to find and seize opportunities that will help you achieve your goals, as well as keep you motivated.

Young members who being a habit of envisioning and recording their goals are more likely to achieve future goals as adults. This year’s Youth Month them will give Members the encouragement they need to start this habit.

Here are some ideas to celebrate Youth Month.

  • Write down your goals and create a vision board. Take a photo and share it on social media sites using the hashtag #CUYouthMonth. Sharing your goal will help inspire others to set goals too.
  • Some goals, like graduation from college or starting a business, will require money. Help your child set up a savings account. Navigator offers savings accounts for youth 17 and under including the Navvi-Gator Super Savers’ Club. This special kids’ savings account for children 12 years old and under gives Members an entry to win a Prize-of-the-Quarter with each deposit of $5 or more.

As your Credit Union, we want to help you teach your children to learn good financial habits. Together we can help them fulfill their dreams both big and small.

13 Feb

Free Community Shred Day

Navigator Credit Union is committed to protecting your privacy. In keeping with our promise, we’re partnering with the Mississippi Attorney General’s Office for a free community shred day. But how do you know what to shred and what to keep? Navigator has your guide to how long you should keep certain documents.

Save forever
Keep documents related to major life events – birth, marriage, divorce and death. Lock securely:

  • Birth certificates or adoption papers
  • Social Security Cards
  • Citizenship papers or passports
  • Marriage or divorce decrees
  • Death certificates of family members

Also, keep auto titles and home deeds stored safety for as long as you own the property.

Tax records
Keep tax-related records for seven years. While IRS has three years to audit you, it has up to seven years under certain circumstances. A seven-year window should cover you in either event. The Federal Trade Commission suggests keeping tax returns forever.

Home improvement receipts
Keep these receipts until you sell our home, since certain expenses may reduce your capital gains tax.

Other records
According to the FTC, you can shred many other documents sooner than seven years. After paying credit card or utility bills, shred them immediately. Also shred sales receipts, unless related to warranties, taxes or insurance. After one year, shred bank statements, pay stubs and medical bills (unless you have an unresolved insurance dispute or these documents should be kept as tax records).

Free community shred day
The free shred event is set for Saturday, March 9, 2019 at Walmart located at 3615 Sangani Blvd., D’Iberville, Miss. It will be from 8 a.m. until noon or when the truck is full. Community members may bring up to three bags or boxes of documents to be shredded. It is on a first-come, first serve basis. The free shred day is not open to businesses.

Free shred day set for March 9, 2019 at Walmart in D'Iberville, Miss

24 May

Memorial Day Kicks Off Summer Travel Season

Memorial Day is coming up. The holiday marks the beginning of summer travel season for many people. According to AAA, more than 41.5 million Americans will travel this Memorial Day weekend. With more people on the road, it’s important to be patient and drive smart.

The Mississippi Department of Transportation has these reminders for motorists:

  • Obey all speed limits and signs, especially through work zones.
  • Always wear a seat belt.
  • Never get behind the wheel under the influence of alcohol or drugs.
  • Use your cell phone for emergency situations only.

According to the National Highway Traffic Safety Administration, 94 percent of crashes are caused by human error. One of the most important safety steps drivers can take is simply slowing down and paying attention.

Navigator Credit Union will be closed on Monday, May 28 in observance of Memorial Day. Remember, ’N Touch online and mobile app are available 24/7 to meet Members’ banking needs.

19 Sep

Credit Card Update

Click Here to View Your Visa Credit Card Account Information Online!

Click Here for Additional Info!

Navigator Credit Union is excited to announce a new and enhanced Visa Credit Card program coming in August, 2016.  Navigator’s new Visa Credit Card features heightened security with an EMV chip, online account access, credit card design options, and electronic statement availability. Please continue reading to familiarize yourself with the changes coming to your Visa account as well as the many features and benefits of your new credit card.

Visa Credit Card Features:

  • EMV Chip Technology: Your new credit card will have an embedded microprocessor chip that stores and protects your data which increases security and reduces fraud. The EMV chip will be in addition to the standard magnetic strip located on the back of every credit card.
  • 24/7 Cardholder Service: Call 844-700-0990 for balance inquiries, payment information, transaction history, statement requests, or to dispute a charge.
  • Online Access: View transaction history, pending activity and other account information in real-time from your computer or mobile device. Plus, sign up for customizable email alerts and electronic statements to help monitor your Visa Credit Card account.  Visit https://navigatorcu.org for online access.

Important Reminders:

  • Your new credit card will be mailed August 15, 2016. Please allow 7-10 business days for delivery.
  • A credit card will be mailed to each cardholder on the account with a new card number and expiration date.
  • Secondary cardholders will have a unique card number, CVV number and expiration date for enhanced security.
  • Your new Visa Credit Card can be used at any ATM using a Personal Identification Number (or PIN.)  A unique PIN can be established during the activation of the card or by calling 24/7 Cardholder Service at 844-700-0990.
  • Automatic payments made with your current credit card must be reestablished to avoid any interruption in payment.  Contact each vendor receiving automatic payments to inform them of your new card number and expiration date.
  • Please refer to a list of frequently asked questions included with this letter. Additional inquiries BEFORE August 29 may call Navigator at 800-344-3281.  All inquiries AFTER August 29 may call the 24/7 Cardholder Service department at 844-700-0990.

New uChoose Rewards® Program:

Beginning August 30, 2016, you will have access to a new rewards program for your Navigator Visa Credit Card. uChoose Rewards® will allow you to redeem points on your credit card purchases for use towards shopping, travel, event tickets, gift cards and more. Important information about the transition of the rewards program includes:

  • ScoreCard® Rewards will no longer be earned after August 15, 2016.
  • ScoreCard® Rewards will be credited to you.
  • Your NEW credit card will begin earning uChoose Rewards® points on August 30, 2016.
  • To register your card or to monitor and redeem your uChoose Rewards® points, visit www.uchooserewards.com.

We’re proud of our new credit card features and excited to make them available to you. As always, you can count on Navigator Credit Union to remain committed to great service.

Sincerely,
Josh Duncan, Chief Lending Officer

 

FREQUENTLY ASKED QUESTIONS

Why am I receiving a new credit card?

Navigator Credit Union is changing the credit card processor to better serve your credit card needs. This change requires that a new card be issued.

Will my interest rate change as part of this conversion and card issue?

No. Your interest rate and other terms on your account will not change.

Will I have a new PIN number so I can access cash from my credit card?

You will no longer receive a PIN in the mail, and your old PIN will not work with the new card. You can select your unique PIN by calling the number on the activation label and choosing the PIN option.

My existing card does not expire for quite a while; can I continue using my existing card until expiration?

No. Your existing card will not work after August 29, 2016 at 6:45 a.m. EDT. Instructions will come with your new card to ensure it is ready to use on or after August 29, 2016 at 6:45 a.m. EDT.

What is EMV?

EMV stands for Europay, Mastercard® and Visa®. EMV chip technology is becoming the global standard for credit card and debit card payments. This smart chip technology features credit cards with embedded microprocessor chips that store and protect cardholder data. This standard has many names worldwide and may also be referred to as: “chip and signature.”

Will all merchants be able to accept my EMV (chip) credit card?

Yes. Your card will be accepted at all merchant locations.  You will insert your new EMV card into the bottom of the chip enabled terminal and follow the instructions.  For merchants that are not yet Chip enabled, you can swipe your card just like you do now to complete the transaction.

My spouse and I have Navigator Visa Credit Cards, and I only received one card. Will my spouse receive a card?

Yes. As a security feature, all cards being issued with this conversion will have a unique number and will arrive separately. However, you will continue to receive only one bill, regardless of the number of cards on the account.

What do I do if I have preauthorized or recurring payments that are tied to my existing Navigator Visa Credit Card?

To ensure there is no interruption in recurring or preauthorized payments (such as monthly telephone, electricity, gas bills, insurance, clubs), contact the merchant on or after August 29, 2016.

Will the due date for my credit card payment change?

No. Your due date will stay the same.

Will I need to send my payment to a new location after the conversion?

Yes. The new address will be included on the statement. If you pay this bill through online bill payment, you will need to update the mailing address to P.O. Box 2711, Omaha, NE 68103-2711 on or after August 29, 2016, to ensure that your payment reaches the processor by your due date.

I setup my monthly credit card payment as an automatic ACH transfer, payroll deduction or as a recurring transfer. Do I have to make any changes?

To ensure there is no interruption in automated payments, contact the provider of this service (i.e., another bank or bill pay service) on or after August 29, 2016 to provide your new credit card number and payment address of P.O. Box 2711 Omaha, NE 68103-2711.

Will my previous card history transfer to my new card number so I have access to the information if needed?

Your previous card history will be retained for customer service inquiries. However, you will not be able to access statements/history online as of August 29, 2016, so we recommend you save the statements to your computer or print hard copies before this date.

What is uChoose Rewards®?

uChoose Rewards® is a program that earns you points for using your Navigator Visa Credit Card. All Navigator Visa Credit Cards with rewards are automatically enrolled in the program. You can redeem your points toward anything from our huge online rewards catalog found at www.uchooserewards.com.

Do I need to register my credit card before I can start earning points?

No, you will start earning points the first time you make a transaction with your new credit card. However, you will need to register your card before you will be able to redeem your points. To register your card, visit www.uchooserewards.com and click the Register link.

How do I register my card?

Please visit www.uchooserewards.com starting August 30, 2016. On the right side, you will see “New to UChoose Rewards?” with a Register link. Click Register, and then enter your credit card number. Once your card is authenticated, it will ask to establish your user name and password. Follow the instructions as provided.

How do I start earning points?

Every time you make a purchase with your card, you’ll earn 1 point for every $1.00 you spend. Plus, you can earn additional points by shopping in-store or online with participating retailers.

Where can I earn points?

You earn points everywhere your Visa credit card is accepted. Participating retailers offer additional reward points for purchases made at their stores or online. A list of participating retailers can be found at www.uchooserewards.com.

Where can I view my point activity?

You can access the history of your point activity through www.uchooserewards.com.

When can I redeem points?

It can take up to 40 days for your points to be credited to your account. You must first accumulate 1,500 points before you can redeem points for catalogue items or gift cards.  You must earn 2,500 points before you can earn cash back which will show as a credit to your credit card statement. Your points are available to view on www.uchooserewards.com. Here you can keep track of the points you’ve earned, and then shop the online rewards catalog when you’re ready to redeem. A Wish List Tracker is also available to notify you when you’ve earned enough points to redeem a specific item.

Can I share points with family members?

All credit cards within an account automatically earn points together.

How much does it cost to participate?

There’s no cost to participate. Membership in uChoose Rewards® is free as part of your Navigator Visa Credit Card.  Visit www.uchooserewards.com  to start monitoring your points and browsing our online catalog.