We’ll Navigate
This Together.

Banking from Home Branch Access Latest Updates

We’re Here for Our Community – And Ready to Help.

From supporting small businesses to helping members experiencing financial hardship, Navigator Credit Union stands with our community during the COVID-19 crisis. We’re thankful for the trust you have placed in us, and we’re as committed as ever to providing the strength, stability and financial resources our Members need – no matter what happens on life’s journey.

Through our #CommunityStrong initiative, we’ve supported 35 local restaurants negatively impacted by COVID-19 and saluted healthcare workers for their lifesaving contributions. We’ve also donated to Feeding the Gulf Coast, helping them provide 10,000 meals to our friends and neighbors. Learn more about the need for food assistance in our community and join us: https://app.mobilecause.com/vf/NCU.

Branch Lobbies Are Open;
Members Asked to Wear Face Coverings.

Safe Return means progress toward normalcy, but enhanced safety and hygiene are still needed as we continue to battle COVID-19 in our communities. All Navigator Branches are open and serving Members with lobby and drive-through service during regular hours of operation. Appointments for in-person visits are encouraged for your convenience, as the number of lobby visitors is limited. Make an appointment by calling our Member Contact Center at 800-344-3281. And when you visit, you can rest assured we are taking the health and the safety of our Members and our employees very seriously. If a Branch should close temporarily for any reason, that information will be shared on Facebook and published on our Locations page

We ask Members to please join us in wearing masks whenever you visit a Navigator Branch lobby. This is in accordance with CDC recommendations, as well as requests issued by Mississippi and Alabama Governors. In cases where local ordinances require face coverings in public, they are required to enter Branches located in those municipalities. Cloth face coverings protect others and have been shown to provide a degree of protection to those wearing them as well. For those who prefer not to wear masks or for whom wearing them poses a challenge, expanded drive-through service, available at all Branches, makes it possible to conduct almost all transactions commonly done inside the Branch. In addition, we provide a number of options for banking remotely, including Nʼ Touch online banking, audio and mobile app. More information about accessing and using remote banking services is available on this page.

In addition to our Team Members all wearing face masks for your protection, we’ve also made other changes to support increased sanitation and social distancing. Please use the 6’ social distancing circles on our lobby floors and take advantage of hand sanitizing stations in each Branch. Some Branches also have one-way entrances and exits designated, and there are directional arrows to help you know the safest routes in and out. We’ve also added new signs for improved communication, installed transparent screens in places where closer contact is required to conduct banking transactions and stepped up our Branch cleaning and sanitizing procedures.

The health and safety of our Members and our Team Members continue to be our top priorities. Let’s work together to protect one another!

Drive-Through Hours

Appointments Recommended for Branch Visits.

For the health and safety of Members and Team Members, appointments are recommended for services which require an in-Branch visit. Please call our Member Contact Center to schedule an appointment for services, including:

  • Account opening
  • Loan closing
  • Safe deposit box access
  • IRA withdrawals
  • Mortgage services
  • NCU Wealth Management services
  • Notary services

IMPORTANT: If you, or a person you have been in contact with, is exhibiting symptoms of COVID-19, kindly refrain from using our Branch services at this time. We appreciate your cooperation.

Easy Ways to Bank – No Branch Required.

Here’s how you can access the services you need.

Online & Mobile Banking

  • Account inquiries and transfers
  • Bill Pay
  • Loan payments
  • Mobile check deposit


  • Access almost 55,000 free or reduced fee network ATMs
  • Cash withdrawals
  • Account balances
  • Check and cash deposits (select ATMs only)
  • Drive-up ATMs available at our 13 Branch locations
  • Find nearby surcharge-free ATMs from our locations page
  • Find the surcharge-free ATMs nearest you using the Navigator Mobile App


  • Locations information
  • Loan applications
  • New account openings
  • Product information
  • Online Banking access
  • Find your nearest Branch, CO-OP Shared Branch or ATM on our locations page
  • Access our online loan or account applications via the product information page
  • Log in or sign up for ’N Touch Web for access to Online Banking

Telephone Banking

  • Balance inquiries
  • History inquiries
  • Transfers
  • Loan information
  • Withdrawals
  • Checking account information

Bank from any touch-tone phone with ’N Touch Audio by calling 800-344-3281, option 1 (requires Member number and PIN)

Member Contact Center

  • Account inquiries and transfers
  • Online Banking enrollment and support
  • Loan applications
  • Loan payments
  • Debit/credit card issues or questions

Call 800-344-3281


Monday – Friday: 8:30 a.m. – 5 p.m.

Saturday: 8:30 a.m. – 1 p.m.

Web Payment Center

  • Make online payments for any Navigator loan using your debit or credit card

Log in to begin or register now if you are a first-time Payment Center user

Financial Hardship

We know it’s a difficult time. You’re not alone. If you’re experiencing financial hardship as a result of the coronavirus pandemic, please contact our Member Contact Center at 800-344-3281 for assistance. Requests for financial relief will be handled confidentially and on a case-by-case basis.

One way we’re helping Members whose finances have been affected by COVID-19 is with a special emergency relief loan. COVID Relief Loans are available in amounts up to $1,500 with terms up to 15 months, based on lending criteria. There is no income or employment requirement and a simple online application with priority processing. The deadline to apply for a COVID Relief Loan has been extended through August 31, 2020. For complete details about this special new loan, click here.

We’ve Been Here for Our Communities Since 1939.

As a not-for-profit credit union, Navigator is here to serve our Members, not Wall Street investors. That means we can provide you with a full range of financial products and services, with better rates, fewer fees and more flexibility than a traditional bank can provide.

Start enjoying the benefits of Membership.

Join Now