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# Navigator Credit Union

A Legacy of Excellence

## Sitemaps

- [XML Sitemap](https://navigatorcu.org/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [How to build or rebuild credit](https://navigatorcu.org/blog/credit-card/how-to-build-or-rebuild-credit/) - Learn how to build or rebuild credit with practical tips, tools, and strategies to improve your credit score and regain financial confidence.
- [Your guide to a smooth car-buying journey](https://navigatorcu.org/blog/tips-tricks/your-guide-to-a-smooth-car-buying-journey/) - You've got your sights set on a new car – exciting times! But with all the choices, it's easy to feel overwhelmed. Navigator Credit Union wants to help make your car-buying experience a breeze, whether you're a seasoned driver or a first-timer.
- [Back-to-school shopping tips](https://navigatorcu.org/blog/tips-tricks/back-to-school-shopping-tips/) - As summer winds down, the excitement of a new school years begins to build. While it’s a fun time, it can also be a budget-buster. Navigator Credit Union has some ways you can navigate the back-to-school shopping season.
- [Smart Tips for Back-to-School Shopping](https://navigatorcu.org/blog/money-management/smart-tips-for-back-to-school-shopping/) - While back-to-school season can be exciting, it can also be financially overwhelming for parents. The costs of supplies, clothing, and other essentials can quickly add up. However, with careful planning and a few savvy strategies, you can save money and make back-to-school shopping a budget-friendly experience. Navigator Credit Union has five tips on saving on back-to-school shopping.
- [Navigator Credit Union Honored with 'Best of the Best' Award](https://navigatorcu.org/blog/tips-tricks/navigator-credit-union-honored-with-best-of-the-best-award/) - Navigator Credit Union is honored to announce that it has been recognized as a recipient of the prestigious 2025 Best of the Best award, presented by MemberXP, a leading customer experience program offered through CUSG. This notable accolade celebrates credit unions that are committed to delivering exceptional service and member experiences.
- [Protect yourself from fake website scams](https://navigatorcu.org/blog/tips-tricks/protect-yourself-from-fake-website-scams/) - Fake website scams, also known as "phishing sites," are artificially created websites that mimic the appearance of reputable financial institutions. Cybercriminals create these sites to gain access to private information like login credentials, credit card numbers, or personal identification details.
- [New Shared Branch Experience: IDCheck Protects You from Fraud](https://navigatorcu.org/blog/fraud/new-shared-branch-experience-idcheck-protects-you-from-fraud/) - With account takeover fraud on the rise, we’ve added new ID-proofing security when accessing your account in person at our Shared Branch locations. This new fraud prevention measure allows us to make certain it’s YOU trying to access your account, not an imposter.
- [Safe deposit box for your valuables](https://navigatorcu.org/blog/tips-tricks/safe-deposit-box-for-your-valuables/) - While we use passwords and encryption to protect our digital assets, many people don’t feel comfortable storing copies of sensitive documents on their devices, or have valuable items like family heirlooms that cannot be virtually stored. This is where a safe deposit box can offer peace of mind and long-term security.
- [Expanded ATM network](https://navigatorcu.org/blog/tips-tricks/expanded-atm-network/) - Navigator Credit Union is now part of the nationwide Co-op network, allowing our members to use more than 30,000 surcharge-free ATMs and conduct a range of transactions at 5,000+ credit union Shared Branches throughout the country.
- [Stay vigilant against phishing scams](https://navigatorcu.org/blog/tips-tricks/stay-vigilant-against-phishing-scams/) - Phishing scams are becoming increasingly sophisticated in stealing your personal and financial information through emails, texts or phone calls that appear to be from your financial institution.
- [Stay aware of spoofing scams](https://navigatorcu.org/blog/tips-tricks/stay-aware-of-spoofing-scams/) - Scammers are constantly developing new tactics to deceive individuals by impersonating financial institutions. These scammers are using spoofing techniques to gain access to your account.
- [Government shutdown assistance](https://navigatorcu.org/blog/tips-tricks/government-shutdown-assistance/) - Navigator members who are experiencing financial difficulties because of the government shutdown may submit a request for a review of their personal situation.
- [Facing Up To Facebook](https://navigatorcu.org/blog/tips-tricks/facing-up-to-facebook/) - You know how Facebook works. You post a status update, share some photos and maybe write on someone’s wall. You’re in control of what’s out there about you, right? Nope....
- [4 financial tips for young adults](https://navigatorcu.org/blog/tips-tricks/4-financial-tips-for-young-adults/) - It’s so incredibly easy to spend money online. With that comes a need for a bit more responsibility and self-control when trying to outline and prioritize a monthly budget.
- [Building bright futures: teach financial literacy at home](https://navigatorcu.org/blog/tips-tricks/building-bright-futures-teach-financial-literacy-at-home/) - April is National Credit Union Youth Month and National Financial Literacy Month. It’s the perfect time to plant the seeds of financial responsibility in our children. Navigator Credit Union has some simple ways you can let your kids in on the conversation.
- [Financial tips for recent grads](https://navigatorcu.org/blog/tips-tricks/financial-tips-for-recent-grads/) - Whether you're heading off to college or diving straight into the workforce, this exciting new chapter brings a whole new set of responsibilities, including managing your finances. Navigator Credit Union has some advice to get you started.
- [How do I deposit a check using mobile banking?](https://navigatorcu.org/blog/digital-banking/how-do-i-deposit-a-check-using-mobile-banking/) - How do I deposit a check using mobile banking?
- [How can I set up an external account?](https://navigatorcu.org/blog/digital-banking/how-can-i-set-up-an-external-account/) - How can I set up an external account to transfer money to and from another financial institution?
- [How do I update my contact information?](https://navigatorcu.org/blog/digital-banking/how-do-i-update-my-contact-information/) - How do I update my contact information?
- [How do I place a stop payment on a check or an ACH transaction?](https://navigatorcu.org/blog/digital-banking/how-do-i-place-a-stop-payment-on-a-check-or-an-ach-transaction/) - How do I place a stop payment on a check or an ACH transaction?
- [How does the joint account holder on my account get access to my online banking account?](https://navigatorcu.org/blog/digital-banking/how-does-the-joint-account-holder-on-my-account-get-access-to-my-online-banking-account/) - How does the joint account holder on my account get access to my online banking account?
- [How do I file credit card dispute?](https://navigatorcu.org/blog/digital-banking/how-do-i-file-credit-card-dispute/) - How do I file credit card dispute?
- [How do I file a debit card dispute?](https://navigatorcu.org/blog/digital-banking/how-do-i-file-a-debit-card-dispute/) - How do I file a debit card dispute?
- [Why is my available balance less than my current balance?](https://navigatorcu.org/blog/digital-banking/why-is-my-available-balance-less-than-my-current-balance/) - Why is my available balance less than my current balance?
- [Card Controls for Navigator debit cards and credit cards](https://navigatorcu.org/blog/tips-tricks/card-controls-for-navigator-debit-cards-and-credit-cards/) - Card Controls offers many card management functions that create control, convenience and transparency for your accounts. Card Controls for debit cards and credit cards!
- [How to set up recurring transfers and transfers to internal and external accounts?](https://navigatorcu.org/blog/digital-banking/how-to-set-up-recurring-transfers-and-transfers-to-internal-and-external-accounts/) - Through online and mobile banking you can set up member to member transfers and external transfers.
- [How do I reorder checks?](https://navigatorcu.org/blog/digital-banking/how-do-i-reorder-checks/) - Through online and mobile banking you can reorder checks for your Navigator checking account.
- [How to find your member number](https://navigatorcu.org/blog/digital-banking/how-to-find-your-member-number/) - "What's my member number?" Three ways to find your member number at Navigator.
- [How do I set up or change alerts?](https://navigatorcu.org/blog/digital-banking/how-do-i-set-up-or-change-alerts/) - How do I set up or change transaction alerts in digital banking.
- [How do I place a travel notice on my account?](https://navigatorcu.org/blog/digital-banking/how-do-i-place-a-travel-notice-on-my-account/) - How do I place a travel notice on my account?
- [Joy, chat assistant](https://navigatorcu.org/blog/tips-tricks/joy-chat-assistant/) - Meet Joy chat! She’s fast, friendly, and knowledgeable. Joy is a virtual assistant, and she can answer common banking questions, day or night.
- [Cashier’s Check Fraud: How It Works & How to Spot a Fake](https://navigatorcu.org/blog/fraud/cashiers-check-fraud-how-it-works-how-to-spot-a-fake/) - Learn how to build or rebuild credit with practical tips, tools, and strategies to improve your credit score and regain financial confidence.
- [Ask a Financial Advisor: Which Type of IRA is Right for You?](https://navigatorcu.org/blog/retirement/ask-a-financial-advisor-which-type-of-ira-is-right-for-you/) - A Message from the Navigator Financial Planning Services Program. There are two main types of IRAs – traditional IRAs and Roth IRAs – and both offer tax advantages. Most people saving for retirement can contribute to a traditional IRA, and if you meet certain requirements your contributions are tax-deductible...
- [Route 66 Vehicle Extended Warranty](https://navigatorcu.org/blog/money-management/route-66-vehicle-extended-warranty/) - A Route 66 Extended Warranty comes with a $0 deductible, 24/7 Roadside Service, rental car benefits, 30-day money back guarantees, nationwide coverage, and is fully transferable.
- [Enjoy Tax Benefits! Save for Retirement with an IRA](https://navigatorcu.org/blog/retirement/enjoy-tax-benefits-save-for-retirement-with-an-ira/) - How do you hope to spend your retirement … traveling the world? Hitting the links? Playing with grandkids? Now, keeping that image firmly in mind, think about this: How are you going to pay for it? Today’s workers will have to rely more heavily on their own savings and investments than previous generations...
- [6 Expenses to Include in Your Home Buying Budget](https://navigatorcu.org/blog/home-buying/6-expenses-to-include-in-your-homebuying-budget/) - When you buy a home, it’s important to look beyond the sale price and mortgage payment to set your budget. First-time homebuyers are sometimes caught off guard by overlooked expenses, which can create an uncomfortable finance pinch. Be sure you consider these one-time and ongoing expenses...
- [5 red flags to identify a scam](https://navigatorcu.org/blog/tips-tricks/5-red-flags-to-identify-a-scam/) - 5 red flags to identify a scam. Suspicious phone call or text? Hang up or delete it right away.
- [3 signs to avoid a scam](https://navigatorcu.org/blog/tips-tricks/3-signs-to-avoid-a-scam/) - 3 signs to avoid a scam - don't engage with the scammers!
- [3 signs to identify a scam](https://navigatorcu.org/blog/tips-tricks/3-signs-to-identify-a-scam/) - 3 signs to identify a scam. Scammers impersonating your financial institution.
- [Choosing the right savings account for your goals](https://navigatorcu.org/blog/saving/choosing-the-right-savings-account-for-your-goals/) - Saving money is crucial, but not all savings accounts are the same. The best account depends on your goal, whether it’s buying a car, saving for a down payment on a home, your child’s education or holiday gifts.
- [Wire Transfers](https://navigatorcu.org/blog/tips-tricks/wire-transfers/) - Wire transfers at Navigator Credit Union will get your money there easy, fast, and secure.
- [How to remove your a joint owner from your shared deposit account](https://navigatorcu.org/blog/tips-tricks/how-to-remove-your-a-joint-owner-from-your-shared-deposit-account/) - When a deposit account is shared by joint owners, steps should taken to ensure a financial separation after marriage or relationship changes.
- [Mobile Wallets: Apple Pay, Google Pay, Samsung Wallet](https://navigatorcu.org/blog/tips-tricks/mobile-wallets-apple-pay-google-pay-samsung-wallet/) - How do I set up or change transaction alerts in digital banking.
- [Cybersecurity during the holiday season](https://navigatorcu.org/blog/tips-tricks/cybersecurity-during-the-holiday-season/) - With increased online shopping, charitable giving and digital interactions, online scams and identity theft risk rises. At Navigator Credit Union, we want to ensure cyber threats don't mar your holiday cheer.
- [Hang up on Spoofing Scams!](https://navigatorcu.org/blog/tips-tricks/hang-up-on-spoofing-scams/) - Protecting your privacy is a promise we take very seriously at Navigator, and the security and confidentiality of your personal information are important to us. That’s why we want to make you aware of the latest scam affecting our Members in Mississippi and Alabama...
- [Plan Ahead for a Stress-Free Holiday Season](https://navigatorcu.org/blog/saving/plan-ahead-for-a-stress-free-holiday-season/) - The holidays may seem far away, but now is the best time to start saving. Setting aside even a small amount each week or month can make a big difference when the season rolls around.
- [Dealing with credit card debt](https://navigatorcu.org/blog/money-management/dealing-with-credit-card-debt/) - According to a recent study, credit card debt continues to be a long-term issue for many Americans. More than 56 million individuals grappling with it for at least a year. Navigator Credit Union has strategies to help you deal with credit card debt and work towards financial freedom.
- [Building credit power](https://navigatorcu.org/blog/tips-tricks/building-credit-power/) - Understanding your credit score is crucial for navigating the financial landscape. It affects your access to loans, interest rates and even rental approvals. Navigator Credit Union breaks down key factors influencing your score and offers actionable strategies to build a solid credit foundation.
- [Mid-year financial check up](https://navigatorcu.org/blog/saving/mid-year-financial-check-up/) - A mid-year checkup can help identify any areas that need attention and ensure you stay on track for your goals. Navigator Credit Union lists key areas to focus on during your mid-year financial checkup.
- [Pros and cons of debt consolidation](https://navigatorcu.org/blog/money-management/pros-and-cons-of-debt-consolidation/) - Managing multiple debts can be overwhelming. Debt consolidation is a popular option for people looking to improve their financial standings. But is it a smart strategy for reducing personal debt? Navigator Credit Union breaks down the pros and cons.
- [Smart school shopping tips](https://navigatorcu.org/blog/tips-tricks/smart-school-shopping-tips/) - Back-to-school season can sneak up quickly, and with it comes the rush to gather everything from notebooks to new shoes. For families along the Gulf Coast, a little planning can go a long way toward saving time, money and stress. Navigator Credit Union has some smart back-to-school shopping tips.
- [Crush Your Financial Resolutions](https://navigatorcu.org/blog/saving/crush-your-financial-resolutions/) - As the New Year begins, many of us embark on a journey to improve our financial well-being. Whether it’s paying off debt, saving for a dream vacation or investing for the future, financial resolutions are a common theme. However, turning these resolutions into reality requires more than just good intentions. Navigator Credit Union has some
- [Costs associated with buying a home](https://navigatorcu.org/blog/home-buying/costs-associated-with-buying-a-home/) - Purchasing your dream home is an exciting life step, but understanding the financial considerations is crucial. Navigator Credit Union outlines the key costs involved and helps you navigate the process smoothly. Mortgage and Fees Getting pre-approved for a mortgage is essential to understanding what you can afford. This process involves your lender evaluating your income,
- [What's in a credit score?](https://navigatorcu.org/blog/tips-tricks/whats-in-a-credit-score/) - A credit score is a number that represents a consumer’s or a borrower’s creditworthiness. The building blocks of a credit score include repayment history, loan types, credit history, debt utilization, new accounts opened, and credit lines....
- [Making Sense of Your Roth 401K](https://navigatorcu.org/blog/retirement/making-sense-of-your-roth-401k/) - Like other 401(k) plans, the Roth 401(k) carries with it numerous rules that impact their ultimate tax treatment. Understanding these rules is critical for optimizing your tax consequences.
- [Holiday Travel Tips](https://navigatorcu.org/blog/tips-tricks/holiday-travel-tips/) - The holidays are a time to be with family, loved ones and friends. It is also one of the busiest times of the year to travel. If you’re hitting the road to your holiday destination, Navigator Credit Union has some advice to help make it a smooth trip.
- [Keep Holiday Spending In Check](https://navigatorcu.org/blog/money-management/keep-holiday-spending-in-check/) - The holiday season is a time for joy and laughter, spending time with family and friends and sharing our blessings. It can also be a time of overspending. Navigator Credit Union has some ways you can make the season merry without putting a squeeze on your wallet.
- [Staying Safe While Banking Online](https://navigatorcu.org/blog/tips-tricks/staying-safe-while-banking-online/) - Navigator Credit Union works continuously to improve security and protect sensitive data but you also play a vital role in keeping your information safe. Here are some steps you can take to keep your information out of the hands of hackers.
- [Strategies to manage debt](https://navigatorcu.org/blog/money-management/strategies-to-manage-debt/) - Nearly 77% of American households are dealing with some form of debt. Whether it's student loans, credit card balances or mortgages, debt can quickly become overwhelming. Navigator Credit Union has some debt management strategies to help you take control of your finances.
- [Are You Worried Sick about Debt?](https://navigatorcu.org/blog/money-management/are-you-worried-sick-about-debt/) - Americans may be just sick over the state of the economy, but there are steps you can take to keep your debt load and stress level in check. Here are some tips I’ve found to be helpful and hopefully you will too
- [Don't Get Caught in the Cycle of Payday Loans](https://navigatorcu.org/blog/tips-tricks/dont-get-caught-in-the-cycle-of-payday-loans/) - The lure of payday loans from storefront or Internet lenders can be tempting if you’re in a cash crunch. These modern-day loan sharks may promise fast access to easy money. Payday loans in one hour or less! Apply now and get cash in 10 minutes! $500 cash wired to your account instantly! No credit check needed!

## Pages

- [NCU Home](https://navigatorcu.org/) - Auto Loans Checking Credit Cards Savings Mortgages Make saving automatic > Round-Up Savings automatically rounds up your debit transactions and transfers the difference to your savings account. Earn on your terms > Start earning on our highest rate on deposits with a Share Certificate. Get started with a minimum investment of just $500. Shared Branch
- [Schillinger Branch](https://navigatorcu.org/support/branch-locations/schillinger-branch/) - Welcome to Navigator Credit Union's Schillinger Branch! We're conveniently located at the corner of Schillinger and Cottage Hill Roads in West Mobile. The Branch is open five days a week to serve Members.Services we offer include: Features: Drive-Up ATM Safe Deposit Boxes Notary Services Night Drop Box NCU Wealth Management Free Checking $0 monthly fees
- [Midtown Branch](https://navigatorcu.org/support/branch-locations/midtown-branch/) - Welcome to Navigator Credit Union's Midtown Branch! We're located on Government Street at the Loop in downtown Mobile.Services we offer include: Features: Deposit-capable ATM Notary Services Safe Deposit Boxes Night Drop Box Free Checking $0 monthly fees and $0 minimum deposit Free Online and Mobile Banking Bank from anywhere, anytime Free Online BillPay Save money
- [Daphne Branch](https://navigatorcu.org/support/branch-locations/daphne-branch/) - Welcome to Navigator Credit Union's Daphne Branch! We're conveniently located on Highway 98, at the corner of Academy Drive.Services we offer include: Features: Deposit-capable ATM Notary Services Night Drop Box Co-Op Shared Branch Free Checking $0 monthly fees and $0 minimum deposit Free Online and Mobile Banking Bank from anywhere, anytime Free Online BillPay Save
- [Cottage Hill Branch](https://navigatorcu.org/support/branch-locations/cottage-hill-branch/) - Welcome to Navigator Credit Union's Cottage Hill Branch! We're located on Cottage Hill Road, just west of University Boulevard. The Branch is open six days a week to serve Members.Services we offer include: Features: Deposit-capable ATM Notary Services Night Drop Box Free Checking $0 monthly fees and $0 minimum deposit Free Online and Mobile Banking
- [Vancleave Branch](https://navigatorcu.org/support/branch-locations/vancleave-branch/) - Welcome to Navigator Credit Union's Vancleave Branch! We're conveniently located on Hwy. 57, less than five miles north of Interstate 10. We invite you to visit our new location offering an enhanced in-person member experience. Look for our ``Now Open`` sign as you travel along Hwy. 57.Services we offer include: Features: Drive-Up ATM Notary Services
- [Ocean Springs Branch](https://navigatorcu.org/support/branch-locations/ocean-springs-branch/) - Welcome to Navigator Credit Union's Oceans Springs Branch! We're conveniently located on Bienville Boulevard, across from the police department. The Branch is open six days a week to serve Members.Services we offer include: Features: Drive-Up ATM Notary Services Night Drop Box Co-Op Shared Branch Free Checking $0 monthly fees and $0 minimum deposit Free Online
- [Moss Point Branch](https://navigatorcu.org/support/branch-locations/moss-point-branch/) - Welcome to Navigator Credit Union's Moss Point Branch! We're conveniently located on Hwy. 63, near the Interstate 10 Interchange. The Branch is open six days a week to serve Members.Services we offer include: Features: Drive-Up ATM Safe Deposit Boxes Notary Services Night Drop Box Mortgage Services NCU Wealth Management Free Checking $0 monthly fees and
- [Jackson Avenue Branch](https://navigatorcu.org/support/branch-locations/jackson-avenue-branch/) - Welcome to Navigator Credit Union's Jackson Avenue Branch! We're located in the heart of Pascagoula on Jackson Avenue.Services we offer include: Features: Drive-Up ATM Notary Services Night Drop Box Hablamos Español Free Checking $0 monthly fees and $0 minimum deposit Free Online and Mobile Banking Bank from anywhere, anytime Free Online BillPay Save money and
- [Hurley Branch](https://navigatorcu.org/support/branch-locations/hurley-branch/) - Welcome to Navigator Credit Union's Hurley Branch! We're located on Hwy. 614 in the Hurley Crossing shopping center.Services we offer include: Features: Drive-Up ATM Notary Services Night Drop Box Co-Op Shared Branch Free Checking $0 monthly fees and $0 minimum deposit Free Online and Mobile Banking Bank from anywhere, anytime Free Online BillPay Save money
- [Gulfport Branch](https://navigatorcu.org/support/branch-locations/gulfport-branch/) - Welcome to Navigator Credit Union's Gulfport Branch! We're conveniently located on Hwy. 49, just north of Dedeaux Road, in the Orange Grove community. The Branch is open six days a week to serve Members.Services we offer include: Features: Drive-Up ATM Deposit-capable ATM Safe Deposit Boxes Notary Services Night Drop Box Co-Op Shared Branch Free Checking
- [Gautier Branch](https://navigatorcu.org/support/branch-locations/gautier-branch/) - Welcome to Navigator Credit Union’s Gautier Branch! We’re conveniently located on Hwy. 90, near the post office. The Branch is open six days a week to serve Members.Services we offer include: Features: Deposit-capable ATM Notary Services Night Drop Box Hablamos Español Free Checking $0 monthly fees and $0 minimum deposit Free Online and Mobile Banking
- [D'Iberville Branch](https://navigatorcu.org/support/branch-locations/diberville-branch/) - Navigator Credit Union’s D'Iberville Branch is conveniently located on Promenade Parkway, the Branch is open five days a week, and the drive thru ITM is open on Saturdays.
- [Vehicle Loans](https://navigatorcu.org/loans/vehicle-loans/) - Vehicle LoansYou’re going places in life. Navigator Credit Union provides flexible, affordable financing to help you get there. No membership is required to apply — you can pre-qualify for your loan anytime. Loans are available for cars, motorcycles, RVs, and boats with rates as low as 4.24% APR.Apply todayView ratesNo payment for 90 days*Hit the
- [Mobile Banking](https://navigatorcu.org/banking-resources/digital-banking/) - Online and mobile bankingKeep personal finances at your fingertips. Monitor account activity, transfer funds, pay bills, deposit checks, and manage card controls in real time with our mobile app and digital banking service.Sign up for online bankingDownload our mobile appOur mobile banking app lets you personalize your experience and gives you even more freedom to
- [Credit Cards](https://navigatorcu.org/loans/credit-cards/) - Credit Cards Get more from your everyday spending with rewards and flexible credit-building options. Navigator Credit Union makes it easy to choose the card that works for you. Apply todayEvery purchase pays you back No fees We charge no annual fee, balance transfer fees, or cash advance fees on our credit cards. Free ID theft
- [Fraud Center](https://navigatorcu.org/support/fraud-center/) - Fraud CenterThere are numerous ways schemers and scam artists try to access your personal and financial information. But you don’t need to fight them alone. Identify and stop fraud We will never call, email, or text you to ask for your Navigator account or card information, secure access code, online banking username/password, or other account IDs, such
- [Business Partner Program](https://navigatorcu.org/business-services/business-partner-program/) - Business Partner Program Help employees improve their financial health while boosting your benefits package at no cost to you. Call usEmail us Financial lunch & learns Informative learning sessions on various topics like budgeting, home ownership, building credit, basic banking, wealth management and much more. One-on-one financial coaching Sit with a certified financial counselor to
- [Financial Education](https://navigatorcu.org/planning-information/financial-education/) - Financial Education Our goal is to help your financial wellness by providing you with tools, resources and financial counseling. Financial education allows us to help our members in so many new ways. Financial counselorsFrom grocery budgeting to retirement planning, our certified financial counselors help you explore strategies for your situation and goals. Get started CalculatorsUse
- [e-Statements](https://navigatorcu.org/banking-resources/e-statements/) - e-Statements e-Statements offer security, convenience and the ability to have access to your financial information 24/7. (Effective Feb. 1, 2025, paper statements for checking accounts will be charged a fee*. To avoid a fee, enroll in digital e-Statements before Jan. 31, 2025!) Safe e-Statements won’t get lost or stolen in the mail. They are delivered
- [Financial Counseling](https://navigatorcu.org/planning-services/financial-counseling/) - Free Personal Financial Counseling When members are looking for financial guidance, Navigator offers free personal financial counseling to help develop achievable money habits. This is one step toward our promise to you: “Help you achieve financial success”. Certified Credit Union Financial Counselors (CCUFC) When you work with one of our Certified Credit Union Financial Counselors
- [87th Annual Shareholders' Meeting](https://navigatorcu.org/87th-annual-shareholders-meeting/) - 87th Annual Shareholders’ Meeting Tuesday, September 29, 2026 | 11 a.m. Virtual Meeting via Ring Events The Annual Meeting is open to all Members, but registration is required. Click here to register. After registering, members will receive a confirmation email containing information about joining the Annual Meeting. The Nominating Committee of Navigator Credit Union Pursuant
- [Auto Buying Resources](https://navigatorcu.org/planning-information/auto-buying-resources/) - Auto Buying Resources Navigator offers tools to help you on your buying journey. Pre-Approval: Get a letter before you shop. Apply here. Calculators: Our car affordability calculator can help determine your car buying budget. Preferred Dealers: See Navigator’s preferred dealerships to ensure a smart purchase. Insurance: TruStage auto coverage that works with your budget. Car
- [Save’N Up Savings Account](https://navigatorcu.org/checking/save-n-up/) - Checking with Save’N Up Get ready to save as you spend. Navigator Credit Union’s high-yield Save’N Up savings account offers a seamless, rewarding way to grow your savings. Open an accountSave’N Up FeaturesEvery time you use your Navigator debit card, Save’N Up rounds up your transaction to the next dollar and transfers the difference into
- [Checking Accounts](https://navigatorcu.org/checking/) - Checking Accounts Simplify your life with better banking solutions from Navigator Credit Union. Open an account and discover all the great benefits it offers. Open an accountFree checking Navigator Credit Union’s Free Checking account offers a range of features designed to simplify your banking experience without incurring fees. No monthly fees or minimum balance requirements:
- [Personal Loans](https://navigatorcu.org/loans/personal-loans/) - Personal Loans Borrow money to reach your goals, cover life’s unexpected expenses, or consolidate higher-interest debt — all with flexible personal loans designed around you. A Navigator Credit Union personal loan gives you competitive local rates, predictable payments, and fast, friendly service. Take advantage of our Summer Loan Special and enjoy a simple, fast way
- [Free Checking](https://navigatorcu.org/checking/free-checking/) - Open a new checking account with direct deposit today!Set up qualifying direct deposits into your Navigator Credit Union free checking account and use your debit card to earn $150! Plus a chance for a $200 bonus! Simply: Open a new, free checking account with qualifying direct deposit* 12 swipes of your new debit card* Meet
- [Branch Locations](https://navigatorcu.org/support/branch-locations/) - Locations and Hours Navigator branches are conveniently located throughout the Gulf Coast region. No matter which Navigator Credit Union in Mississippi or Alabama is closest to you, you’re sure to find our friendly member service, our vast array of products and our great competitive rates. Navigator Credit Union – Mississippi D’Iberville Branch 4004 Promenade Parkway,
- [Mortgage Loans](https://navigatorcu.org/loans/mortgage-loans/) - Explore mortgage loans, home loans, and first-time home buyer options at Navigator Credit Union. Competitive rates, flexible terms, and expert guidance.
- [Financial Planning Webinars](https://navigatorcu.org/wealth-services/financial-planning-webinars/) - Financial Planning Webinars NCU Wealth Management wants to help you pursue your financial goals. We provide a series of no-cost, no-obligation financial planning webinars. These informative discussions cover various topics vital to maintaining long-term financial independence. Learn more about NCU Wealth ManagementUpcoming Webinars All webinars will be held virtually through Zoom. After registering, you will
- [Certificates and IRAs](https://navigatorcu.org/savings/certificates-and-iras/) - Shop certificate accounts and IRA certificates with fixed rates, flexible terms, and NCUA-insured security. Explore share certificates at Navigator CU.
- [Small Dollar Loan](https://navigatorcu.org/loans/small-dollar-loan/) - Small Dollar Loan Navigator Credit Union understands emergencies happen. We’re here to help you get the cash you need when you need it. Our Small Dollar Loan is an affordable alternative to predatory payday loans and is designed to help build your credit. Visit a branchFeatures include: Loan amounts from $300 to $1,500* Terms from
- [Loan Rates](https://navigatorcu.org/borrowing-resources/loan-rates/) - Loan Rates All loan rates are quoted as the as low as annual percentage rate (APR) and are based on length of loan term and on applicant’s credit history. Both fixed and variable rate mortgages are available at Navigator. Auto Loan New & Used Term As low as APR New Auto (Current and prior year)
- [Extended Insurance Account](https://navigatorcu.org/business-services/extended-insurance-account/) - The Extended Insurance Account provides you access to millions in extended NCUA share insurance through participating credit unions, while you maintain only one account with Navigator.
- [High Yield Checking](https://navigatorcu.org/checking/high-yield-checking/) - Enjoy all the convenience of our Free Checking Account, plus the power to earn a competitive Annual Percentage Yield (APY) that keeps your money working for you. Open an accountHigh Yield Checking Account Features High dividend earnings Earn a great rate on balances between $1,000.00 and $9,999.99 Full liquidity Immediate access to funds while still
- [Deposit Rates](https://navigatorcu.org/savings/deposit-rates/) - Deposit RatesNavigator Credit Union is a member-owned financial institution that provides some of the best, most competitive rates on savings products throughout the Gulf Coast. As a Navigator member, you have the tools to develop a well-rounded money saving strategy tailored to your goals and retirement timeline using our broad range of excellent savings products
- [Business Checking and Savings](https://navigatorcu.org/business-services/business-checking-savings/) - Business Checking and SavingsOpening business checking and savings accounts are a critical step for many businesses. Navigator Credit Union has you covered. Checking account Open a free Basic Business Checking Account for your day-to-day banking needs. Savings account The Basic Business Savings account offers you peace of mind and flexibility to quickly access your business’
- [Commercial Money Market](https://navigatorcu.org/business-services/commercial-money-market/) - The Commercial Money Market account offers an attractive rate to business partners with an option for an accelerator rate for lending relationship. Earn more as your balance grows and access funds on your terms.
- [What's Happening](https://navigatorcu.org/about-navigator/whats-happening/) - What's Happening Pros and cons of debt consolidation June 9, 2026 Managing multiple debts can be overwhelming. Debt consolidation is a popular option for people looking to improve their financial standings. But is it a smart strategy for reducing personal debt? Navigator Credit Union breaks down the pros and cons. Read more New Shared Branch
- [Credit Card Balance Transfer Calculator](https://navigatorcu.org/planning-information/calculators/credit-card-balance-transfer-calculator/) - Credit Card Balance Transfer Calculator Credit card balance transfer FAQsHow does our free credit card balance transfer calculator work? To determine how much you could save on credit card debt, you’ll provide: Your current credit card balance The current interest rate The monthly payment Any annual fees or charges If there’s a promotional rate for
- [Car Affordability Calculator](https://navigatorcu.org/planning-information/calculators/car-affordability-calculator/) - Car Affordability Calculator Figure out your monthly payment based on purchase price, down payment, term, and interest rate. Or tweak those numbers to figure out how much you can spend on a vehicle based on the other factors. Vehicle loan resourcesLoan ratesCheck our competitive car loan rates.Fast online applicationApply nowCar affordability calculator FAQsHow does our
- [Auto Refinance Calculator](https://navigatorcu.org/planning-information/calculators/auto-refinance-calculator/) - Auto Refinance Calculator Auto loan resourcesLoan ratesCheck our competitive car loan rates.Fast online applicationApply nowAuto loan refinancing FAQsHow does our free auto refinance calculator work? To determine how much money could be saved by refinancing your auto loan, you’ll provide: Your current monthly payment for your original auto loan The interest rate Original loan values
- [Skip-A-Pay](https://navigatorcu.org/borrowing-resources/skip-a-pay/) - Take a break from loan payments with Skip-A-Pay! As a member of Navigator Credit Union, you may be qualified to participate in our Skip-A-Pay program. Have more than one eligible loan? Skip a payment on each one!Are you ready to skip? Just give us a call or visit a Branch!Call usVisit a branchSkip-A-Pay program eligibility
- [Calculators](https://navigatorcu.org/planning-information/calculators/) - Financial Calculators Use our financial calculators to help you plan for auto loans, mortgages, retirement and much more. Get yourself on track to achieve your financial goals and make the math part less stressful. Auto Loan Calculator How much will your monthly auto loan payment be? Use this calculator to determine how much your monthly
- [Certificate Calculator](https://navigatorcu.org/planning-information/calculators/certificate-calculator/) - Certificate (CD) Calculator These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you
- [Business Lending](https://navigatorcu.org/business-services/business-lending/) - Business Lending With competitive interest rates, flexible terms and personalized service, Navigator provides lending for small and medium-sized businesses. Email us Great rates Get a loan that won’t break the bank, now or later. Affordable payments Save more cash each month and put it back into your business. Local servicing Out-of-the-box solutions and in-house decisions
- [Savings Account](https://navigatorcu.org/savings/savings-account/) - Savings Accounts Your financial goals are as unique as you are. Navigator Credit Union offers a range of fully-featured accounts—all with great rates—to help you at every stage of your savings journey. Open an accountContact usSavings accounts designed to keep you on course Competitive rates At Navigator, your savings work hard for you. Earn higher
- [Make A Loan Payment](https://navigatorcu.org/borrowing-resources/make-a-loan-payment/) - Make A Loan Payment Navigator Credit Union offers many options to make a secured loan payment. Digital BankingMake a loan payment 24/7 by simply transferring funds from your Navigator checking or savings account directly to your loan. Log in to digital banking from your phone or desktop then select Make a Transfer from the menu.
- [Contact Us](https://navigatorcu.org/support/contact-us/) - Contact Us How can we help? Get in touch with us! Phone Numbers Joy, your digital assistant: (228) 475-7300 or toll free: (800) 344-3281 24 hours a day, 7 days a week Live assistance available: Monday – Friday: 9 a.m. to 5 p.m. Central Saturday: 9 a.m. to 1 p.m. Central Joy is your
- [IRA e-Resource Center](https://navigatorcu.org/banking-resources/ira-e-resource-center/) - IRA e-Resource Center Navigator Credit Union is providing this collection of e-Brochures to help Members better understand Individual Retirement Accounts. Retirement Plans Inherited IRAs Traditional and Roth IRAs Traditional IRAs Roth IRAs Transfers, Rollovers, and Conversions IRA and Retirement Plan Distributions
- [Why Navigator](https://navigatorcu.org/about-navigator/why-navigator/) - Why NavigatorThis starts as our story, but it’s really about you.Where we startedNavigator began in 1939 with a small group of Ingalls Shipyard employees. With only 100 members and $2,500 in deposits, Ingalls Employees Credit Union (IECU) began offering savings accounts and loans to members who, until then, had not had access to financial services.
- [Mobile Deposit](https://navigatorcu.org/banking-resources/mobile-deposit/) - Mobile Deposit With mobile deposit, deposit checks from anywhere with your smartphone. Download Our Navigator Credit Union Mobile App Today! Mobile deposit allows you to quickly and securely deposit a check to your account using our mobile banking app and the camera feature on your smart phone or tablet. Step 1 Open the Navigator App
- [Holiday Closings](https://navigatorcu.org/support/holiday-closings/) - Holiday Closings Holiday Date Navigator New Year’s Day January 1, 2026 Closed Martin Luther King Jr. January 19, 2026 Closed Presidents’ Day February 16, 2026 Closed Good Friday April 3, 2026 Closing at 1 p.m. Easter Saturday April 4, 2026 OPEN Easter Monday April 6, 2026 OPEN Memorial Day May 25, 2026 Closed Juneteenth June
- [Careers](https://navigatorcu.org/about-navigator/careers/) - Join Our Mission of Helping Others Our team members embrace our commitment to service, our work-life balance and the promise to create value with every interaction. We work hard in our member’s best interest and take great pride in our impact on our community. If you are passionate about empowering others and improving the financial
- [Balance Transfer](https://navigatorcu.org/loans/credit-cards/balance-transfer/) - Balance transfer offer! Break free from high interest rates! Transfer the balance from your high-interest credit card to a Navigator credit card and take advantage of a 2.99% APR* for 12 months. Use the money you save to help make progress on your debt. January 1, 2026 – August 31, 2026 Apply for your Navigator
- [Credit Cards OLD](https://navigatorcu.org/loans/credit-cards-old/) - Credit Cards Earn unlimited rewards, consolidate debt and build and improve your credit with a Navigator Platinum Rewards card today. Apply for a Navigator Platinum Rewards card with no cash advance fees and unlimited rewards. Apply today Platinum Rewards MasterCard® Our Platinum Rewards card is the perfect card if you carry a balance each month
- [Financial Wellness for Employees](https://navigatorcu.org/business-resources/financial-wellness-for-employees/) - Financial Wellness for Employees As a Navigator Business Partner, you can provide your employees with financial wellness education, resources, and access to Navigator’s certified financial counselors. Call usEmail usArticles Making a big financial decision is intimidating. Navigator offers information and tips on a range of financial topics. Explore articles Calculators Get help running the numbers.
- [Money Market Accounts](https://navigatorcu.org/savings/money-market-accounts/) - Money Market Accounts Put your money to work in a Money Market account with great rates, and if you need to access those funds, your money is not locked in! Open an accountPremium Savings Money Market Saving for a vacation or a bigger goal of savings for a house? A Premium Savings Money Market is
- [Youth Savings Accounts](https://navigatorcu.org/savings/youth-savings-accounts/) - Youth Savings Accounts Learning to save can be fun – and Navigator’s savings options provide the tools to make it happen. Visit a branchFor children from birth to 17 years oldYounger children and teenagers can prepare for the responsibility of a checking account by learning how to make regular deposits and withdrawals. Navigator’s youth savings
- [Disclosures](https://navigatorcu.org/planning-information/disclosures/) - Privacy PoliciesPrivacy PolicyRead hereOnline Privacy PolicyRead hereMember InformationNavigator Credit Union BylawsRead hereAnnual Meeting Report for 2024 Fiscal YearRead hereAnnual Meeting Minutes for 2023 Fiscal YearRead here
- [Volunteers](https://navigatorcu.org/about-navigator/volunteers/) - Volunteers Navigator Credit Union is governed by a volunteer Board of Directors which works in conjunction with the Supervisory Committee to ensure the Credit Union is fiscally sound. All volunteers are members of the Credit Union, elected by you, the members. They provide guidance to Navigator’s senior management to ensure the Credit Union’s vision and
- [Bill Pay](https://navigatorcu.org/banking-resources/bill-pay/) - Bill Pay Bill Pay makes it easier for you to pay your bills Schedule recurring payments Enable eBills and autopay View and manage payees How to use Bill Pay with digital banking Mobile banking Sign into your account. Click the “Pay” icon at bottom. Follow the steps to pay a person or a company! Online
- [Hi, neighbor!](https://navigatorcu.org/hi-neighbor/) - Hi, neighbor! We Can’t Wait to Meet You. Become a memberFind a branchA partner for your financial journey. As a Navigator Credit Union Member, you’ll be part of a local financial institution that supports our community and understands our Members’ needs. We can help you: Improve your home Purchase your next home Buy your dream
- [Community Involvement](https://navigatorcu.org/about-navigator/community-involvement/) - Community InvolvementWe are committed to giving back in various ways including sponsoring financial education programs and participating in community initiatives.Free Personal Financial Counseling When members are looking for financial guidance, Navigator offers free personal financial counseling to help develop achievable money habits. This is one step toward our promise to you: “Help you achieve financial success”.
- [Auto Loan Calculator](https://navigatorcu.org/planning-information/calculators/auto-loan-calculator/) - Auto Loan Calculator These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you
- [Home Rent vs Buy Calculator](https://navigatorcu.org/planning-information/calculators/home-rent-vs-buy-calculator/) - Home Rent vs Buy Calculator These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the
- [Savings Goal Calculator](https://navigatorcu.org/planning-information/calculators/savings-goal-calculator/) - Savings Goal Calculator These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you
- [Debt Consolidation Calculator](https://navigatorcu.org/planning-information/calculators/debt-consolidation-calculator/) - Debt Consolidation Calculator These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you
- [Home Refinance Calculator](https://navigatorcu.org/planning-information/calculators/home-refinance-calculator/) - Home Refinance Calculator These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you
- [Mortgage Calculator](https://navigatorcu.org/planning-information/calculators/mortgage-calculator/) - Mortgage Calculator These calculators are made available to you as informational and educational tools for your independent use and are not intended to provide financial or investment advice. These calculators are not offers, representations or warranties and do not describe any particular products or services. Results depend on many factors, including the information you provide
- [Joy, Digital Assistant](https://navigatorcu.org/support/joy-digital-assistant/) - Say hello to Joy, your digital assistant at Navigator! Your call center digital assistant Joy is your digital assistant at Navigator! With her advanced AI technology, she can answer your questions, find resources, and manage many other helpful tasks. She has many skills and deep knowledge to assist you and make your life easier. Joy
- [Christmas Club Savings](https://navigatorcu.org/savings/christmas-club-savings/) - Christmas Club Savings Enjoy the holidays without worrying about holiday expenses. A Christmas Club account is a savings account that makes it easy to save throughout the year. Make as many deposits as you wish to build up your Christmas season budget. Open an account with an easy $2 opening deposit. Open an accountFeatures that
- [Savings](https://navigatorcu.org/savings/) - Savings Accounts At Navigator, your savings work extra hard for you, too. Because we’re member-owned, your funds earn higher rates than they would at many other financial institutions. Open an accountSavingsSavings Account Certificates and IRAs Money Market Accounts Christmas Club Savings Youth Savings Accounts CheckingFree Checking High Yield Checking Save’N Up Banking ResourcesEarly Pay Direct
- [Privacy Policy](https://navigatorcu.org/privacy-policy/) - Privacy Policy
- [Reviews & Testimonials](https://navigatorcu.org/about-navigator/reviews-testimonials/) - Reviews & Testimonials We know it means more when your friends and neighbors tell you about their great experiences. This is our member feedback, unedited.
- [Online Privacy Policy & Terms](https://navigatorcu.org/online-privacy-policy-and-terms/) - Online Privacy Policy For additional details on how we collect and use your personal information, please refer to our Privacy Policy. Effective 6/02/2025
- [Hurricane Financial Preparedness](https://navigatorcu.org/planning-information/hurricane-financial-preparedness/) - Financial Preparedness for Hurricane Season Take appropriate financial steps before a storm to make sure that once the storm has passed, you can quickly bounce back. From protecting important documents to having cash on hand, a little financial planning can go a long way to recover quickly. Cash on hand Make sure to have enough
- [Refer-a-Friend](https://navigatorcu.org/about-navigator/refer-a-friend/) - Refer-a-Friend Refer your family and friends to open a Navigator account and be entered into a drawing to win $300! Invite your family, friends and coworkers to become Navigator members. When they open a checking account, you will be entered into a random drawing to win $300. There’s no limit on how many people you
- [Wealth Management](https://navigatorcu.org/wealth-services/wealth-management/) - NCU Wealth Management NCU Wealth Management is your qualified partner for comprehensive financial strategies. As a dedicated team of professionals, we are committed to helping you pursue your financial goals and manage your future. At NCU Wealth Management, we understand financial success requires a personalized approach. With our expertise and access to a wide range
- [Early Pay Direct Deposit](https://navigatorcu.org/banking-resources/early-pay/) - Get paid early with Early Pay Direct DepositLife doesn’t wait until payday. Nor should you. Get direct deposit up to two business days early with Early Pay.Early Pay Direct Deposit features: Convenient Your money is deposited into your account, even when you are ill, on vacation or too busy to get to a branch. Fast
- [Loyalty Program](https://navigatorcu.org/loyalty-program/) - Member Loyalty Program As a Navigator member, you are automatically enrolled in our Member Loyalty Program. A point value is awarded for each service you use, and additional points are awarded for your years of membership. Then points are added up to qualify you for lower interest rates on loans and higher interest rates on
- [Wealth Management Services](https://navigatorcu.org/wealth-services/) - Wealth Management Services NCU Wealth Management is your qualified partner for comprehensive financial strategies. As a dedicated team of professionals, we are committed to helping you pursue your financial goals and manage your future. Wealth Management ServicesWealth Management Financial Webinars
- [Insurance Solutions](https://navigatorcu.org/planning-services/insurance-solutions/) - Insurance We make TruStage policies available to help Credit Union members like you protect the people who matter most in your life. Click the items below to learn more! AD&D Accidental death and dismemberment insurance pays a cash benefit if you die or are seriously injured in an accident. Claim your no-cost AD&D coverage now.
- [Support](https://navigatorcu.org/support/) - SupportSupportContact Us Branch Locations Holiday Closings Fraud Center Joy, Digital Assistant Disclosures About NavigatorWhy Navigator Reviews & Testimonials Refer-a-Friend What’s Happening Community Involvement Volunteers Careers
- [Planning Information](https://navigatorcu.org/planning-information/) - Financial Education & Information Navigator supports your financial literacy because the more you know, the better you’ll be at making decisions that could affect your financial well-being for years to come. Use these tools to be better equipped to create savings, spending and borrowing. Planning InformationFinancial Calculators Financial Education Auto Buying Resources Planning ServicesInsurance Solutions
- [Business Resources](https://navigatorcu.org/business-resources/) - Business Resources We are here to guide you toward your business goals so you can realize your ideas and watch them come to life. Business ResourcesFinancial Wellness for Employees ServicesBusiness Checking and Savings Commercial Money Market Business Lending Business Partner Program
- [Borrowing Resources](https://navigatorcu.org/borrowing-resources/) - Borrowing Resources Managing your borrowing is a click away. These online tools will help you to manage your loans anywhere, anytime. Borrowing ResourcesMake A Loan Payment Skip-A-Pay Loan Rates Apply For A Loan Apply For A Credit Card LoansVehicle Loans Personal Loans Credit Cards Small Dollar Loan Mortgage Loans
- [About Navigator](https://navigatorcu.org/about-navigator/) - About Navigator We wholeheartedly serve our members and one another with expertise and warmth. We take a genuine interest in your personal goals, and we strive to build trusted relationships through honesty and shared values. AboutWhy Navigator Reviews & Testimonials Refer-a-Friend What’s Happening Community Involvement Volunteers Careers SupportContact Us Branch Locations Holiday Closings Fraud Center
- [Banking Resources](https://navigatorcu.org/banking-resources/) - Banking Resources Take care of your money whenever and wherever. You will always have quick access to your accounts and our services. Banking ResourcesEarly Pay Direct Deposit Mobile Banking Mobile Deposit Bill Pay e-Statements Deposit Rates Open An Account IRA e-Resource Center CheckingFree Checking High Yield Checking Save’N Up SavingsSavings Account Certificates and IRAs Money
- [Planning Services](https://navigatorcu.org/planning-services/) - Financial Planning & Insurance Whether you’re weighing some important financial decisions, looking forward to a new stage of life or just have some general questions about financial wellness, Navigator is here for you. Planning ServicesInsurance Solutions Financial Counseling Planning InformationFinancial Calculators Financial Education Auto Buying Resources
- [Loans](https://navigatorcu.org/loans/) - Loans Whether your dream is to finance a new home, purchase a vehicle or earn a college degree, Navigator Credit Union has the solutions to get you where you want to go. Apply onlineLoansVehicle Loans Personal Loans Credit Cards Small Dollar Loan Mortgage Loans Borrowing ResourcesMake A Loan Payment Skip-A-Pay Loan Rates Apply For A
- [Business Services](https://navigatorcu.org/business-services/) - Business Services We are here to guide you toward your business goals so you can realize your ideas and watch them come to life. Business ServicesBusiness Checking and Savings Commercial Money Market Business Lending Business Partner Program Business ResourcesFinancial Wellness for Employees

## Categories

- [Tips & Tricks](https://navigatorcu.org/blog/category/tips-tricks/)
- [Saving](https://navigatorcu.org/blog/category/saving/)
- [Retirement](https://navigatorcu.org/blog/category/retirement/)
- [Money Management](https://navigatorcu.org/blog/category/money-management/)
- [Home Buying](https://navigatorcu.org/blog/category/home-buying/)
- [Fraud](https://navigatorcu.org/blog/category/fraud/)
- [Debt](https://navigatorcu.org/blog/category/debt/)
- [Digital Banking](https://navigatorcu.org/blog/category/digital-banking/)
- [Credit Card](https://navigatorcu.org/blog/category/credit-card/)

## Tags

- [Mortgage](https://navigatorcu.org/blog/tag/mortgage/)
- [Down Payment](https://navigatorcu.org/blog/tag/down-payment/)
- [Homeowners Insurance](https://navigatorcu.org/blog/tag/homeowners-insurance/)
- [Property Taxes](https://navigatorcu.org/blog/tag/property-taxes/)
- [Real Estate Agent Fees](https://navigatorcu.org/blog/tag/real-estate-agent-fees/)
- [Closing Costs](https://navigatorcu.org/blog/tag/closing-costs/)
- [credit score](https://navigatorcu.org/blog/tag/credit-score/)
- [credit portfolio](https://navigatorcu.org/blog/tag/credit-portfolio/)
- [credit utilization](https://navigatorcu.org/blog/tag/credit-utilization/)
- [building credit](https://navigatorcu.org/blog/tag/building-credit/)
- [credit report](https://navigatorcu.org/blog/tag/credit-report/)
- [financial literacy](https://navigatorcu.org/blog/tag/financial-literacy/)
- [money habits](https://navigatorcu.org/blog/tag/money-habits/)
- [manage finances](https://navigatorcu.org/blog/tag/manage-finances/)
- [debt awareness](https://navigatorcu.org/blog/tag/debt-awareness/)
- [budgeting](https://navigatorcu.org/blog/tag/budgeting/)
- [saving](https://navigatorcu.org/blog/tag/saving/)
- [piggy bank](https://navigatorcu.org/blog/tag/piggy-bank/)
- [graduates](https://navigatorcu.org/blog/tag/graduates/)
- [graduating](https://navigatorcu.org/blog/tag/graduating/)
- [graduate](https://navigatorcu.org/blog/tag/graduate/)
- [managing finances](https://navigatorcu.org/blog/tag/managing-finances/)
- [budget](https://navigatorcu.org/blog/tag/budget/)
- [savings](https://navigatorcu.org/blog/tag/savings/)
- [debt repayment](https://navigatorcu.org/blog/tag/debt-repayment/)
- [credit card](https://navigatorcu.org/blog/tag/credit-card/)
- [credit history](https://navigatorcu.org/blog/tag/credit-history/)
- [retirement](https://navigatorcu.org/blog/tag/retirement/)
- [financial checkup](https://navigatorcu.org/blog/tag/financial-checkup/)
- [financial goals](https://navigatorcu.org/blog/tag/financial-goals/)
- [financial history](https://navigatorcu.org/blog/tag/financial-history/)
- [credit bureau](https://navigatorcu.org/blog/tag/credit-bureau/)
- [credit cards](https://navigatorcu.org/blog/tag/credit-cards/)
- [consolidate debt](https://navigatorcu.org/blog/tag/consolidate-debt/)
- [debt consolidation loan](https://navigatorcu.org/blog/tag/debt-consolidation-loan/)
- [savings goals](https://navigatorcu.org/blog/tag/savings-goals/)
- [back to school](https://navigatorcu.org/blog/tag/back-to-school/)
- [school supplies](https://navigatorcu.org/blog/tag/school-supplies/)
- [uniforms](https://navigatorcu.org/blog/tag/uniforms/)
- [school year](https://navigatorcu.org/blog/tag/school-year/)
- [Mississippi tax holiday](https://navigatorcu.org/blog/tag/mississippi-tax-holiday/)
- [Alabama tax holiday](https://navigatorcu.org/blog/tag/alabama-tax-holiday/)
- [credit card debt](https://navigatorcu.org/blog/tag/credit-card-debt/)
- [credit card balances](https://navigatorcu.org/blog/tag/credit-card-balances/)
- [transfer balances](https://navigatorcu.org/blog/tag/transfer-balances/)
- [lower interest credit cards](https://navigatorcu.org/blog/tag/lower-interest-credit-cards/)
- [debt consolidation](https://navigatorcu.org/blog/tag/debt-consolidation/)
- [monthly budget](https://navigatorcu.org/blog/tag/monthly-budget/)
- [Gen Z](https://navigatorcu.org/blog/tag/gen-z/)
- [mindful spending](https://navigatorcu.org/blog/tag/mindful-spending/)
- [cash](https://navigatorcu.org/blog/tag/cash/)
- [spending habits](https://navigatorcu.org/blog/tag/spending-habits/)
- [automatic savings](https://navigatorcu.org/blog/tag/automatic-savings/)
- [round up savings](https://navigatorcu.org/blog/tag/round-up-savings/)
- [build credit](https://navigatorcu.org/blog/tag/build-credit/)
- [debt](https://navigatorcu.org/blog/tag/debt/)
- [student loans](https://navigatorcu.org/blog/tag/student-loans/)
- [debt management](https://navigatorcu.org/blog/tag/debt-management/)
- [emergency fund](https://navigatorcu.org/blog/tag/emergency-fund/)
- [credit card rewards](https://navigatorcu.org/blog/tag/credit-card-rewards/)
- [security](https://navigatorcu.org/blog/tag/security/)
- [sensitive data](https://navigatorcu.org/blog/tag/sensitive-data/)
- [hackers](https://navigatorcu.org/blog/tag/hackers/)
- [passwords](https://navigatorcu.org/blog/tag/passwords/)
- [two factor authorization](https://navigatorcu.org/blog/tag/two-factor-authorization/)
- [privacy](https://navigatorcu.org/blog/tag/privacy/)
- [security settings](https://navigatorcu.org/blog/tag/security-settings/)
- [alerts](https://navigatorcu.org/blog/tag/alerts/)
- [holiday season](https://navigatorcu.org/blog/tag/holiday-season/)
- [overspending](https://navigatorcu.org/blog/tag/overspending/)
- [rewards stacking](https://navigatorcu.org/blog/tag/rewards-stacking/)
- [rewards credit card](https://navigatorcu.org/blog/tag/rewards-credit-card/)
- [holiday shopping](https://navigatorcu.org/blog/tag/holiday-shopping/)
- [401k](https://navigatorcu.org/blog/tag/401k/)
- [roth 401k](https://navigatorcu.org/blog/tag/roth-401k/)
- [tax consequences](https://navigatorcu.org/blog/tag/tax-consequences/)
- [rollover 401k](https://navigatorcu.org/blog/tag/rollover-401k/)
- [tax free](https://navigatorcu.org/blog/tag/tax-free/)
- [penalty free](https://navigatorcu.org/blog/tag/penalty-free/)
- [rollover options](https://navigatorcu.org/blog/tag/rollover-options/)
- [minimum distributions](https://navigatorcu.org/blog/tag/minimum-distributions/)
- [tax obligations](https://navigatorcu.org/blog/tag/tax-obligations/)
- [creditworthiness](https://navigatorcu.org/blog/tag/creditworthiness/)
- [repayment history](https://navigatorcu.org/blog/tag/repayment-history/)
- [debt utilization](https://navigatorcu.org/blog/tag/debt-utilization/)
- [credit lines](https://navigatorcu.org/blog/tag/credit-lines/)
- [personal information](https://navigatorcu.org/blog/tag/personal-information/)
- [scam](https://navigatorcu.org/blog/tag/scam/)
- [spoofing](https://navigatorcu.org/blog/tag/spoofing/)
- [fraud](https://navigatorcu.org/blog/tag/fraud/)
- [home buying](https://navigatorcu.org/blog/tag/home-buying/)
- [homebuyers](https://navigatorcu.org/blog/tag/homebuyers/)
- [home inspection](https://navigatorcu.org/blog/tag/home-inspection/)
- [home maintenance](https://navigatorcu.org/blog/tag/home-maintenance/)
- [moving](https://navigatorcu.org/blog/tag/moving/)
- [moving costs](https://navigatorcu.org/blog/tag/moving-costs/)
- [cyber security](https://navigatorcu.org/blog/tag/cyber-security/)
- [scams](https://navigatorcu.org/blog/tag/scams/)
- [imposter scam](https://navigatorcu.org/blog/tag/imposter-scam/)
- [financial scam](https://navigatorcu.org/blog/tag/financial-scam/)
- [scams going around](https://navigatorcu.org/blog/tag/scams-going-around/)
- [balance transfer](https://navigatorcu.org/blog/tag/balance-transfer/)
- [lower interest rate](https://navigatorcu.org/blog/tag/lower-interest-rate/)
- [paying off debt](https://navigatorcu.org/blog/tag/paying-off-debt/)
- [saving for vacation](https://navigatorcu.org/blog/tag/saving-for-vacation/)
- [investing for future](https://navigatorcu.org/blog/tag/investing-for-future/)
- [financial resolutions](https://navigatorcu.org/blog/tag/financial-resolutions/)
- [paying off credit card](https://navigatorcu.org/blog/tag/paying-off-credit-card/)
- [financial habits](https://navigatorcu.org/blog/tag/financial-habits/)
- [MemberXP](https://navigatorcu.org/blog/tag/memberxp/)
- [Best of the Best](https://navigatorcu.org/blog/tag/best-of-the-best/)
- [customer experience](https://navigatorcu.org/blog/tag/customer-experience/)
- [exceptional service](https://navigatorcu.org/blog/tag/exceptional-service/)
- [financial well-being](https://navigatorcu.org/blog/tag/financial-well-being/)
- [Net Promoter Score](https://navigatorcu.org/blog/tag/net-promoter-score/)
- [Member Care Experience](https://navigatorcu.org/blog/tag/member-care-experience/)
- [mobile deposit](https://navigatorcu.org/blog/tag/mobile-deposit/)
- [mobile app](https://navigatorcu.org/blog/tag/mobile-app/)
- [deposit](https://navigatorcu.org/blog/tag/deposit/)
- [remote deposit](https://navigatorcu.org/blog/tag/remote-deposit/)
- [digital banking](https://navigatorcu.org/blog/tag/digital-banking/)
- [online banking](https://navigatorcu.org/blog/tag/online-banking/)
- [external account](https://navigatorcu.org/blog/tag/external-account/)
- [transfer money](https://navigatorcu.org/blog/tag/transfer-money/)
- [contact info](https://navigatorcu.org/blog/tag/contact-info/)
- [contact information](https://navigatorcu.org/blog/tag/contact-information/)
- [personal info](https://navigatorcu.org/blog/tag/personal-info/)
- [update address](https://navigatorcu.org/blog/tag/update-address/)
- [update phone number](https://navigatorcu.org/blog/tag/update-phone-number/)
- [address change](https://navigatorcu.org/blog/tag/address-change/)
- [stop payment](https://navigatorcu.org/blog/tag/stop-payment/)
- [stop payment on check](https://navigatorcu.org/blog/tag/stop-payment-on-check/)
- [stop payment on ACH](https://navigatorcu.org/blog/tag/stop-payment-on-ach/)
- [joint account](https://navigatorcu.org/blog/tag/joint-account/)
- [primary account holder](https://navigatorcu.org/blog/tag/primary-account-holder/)
- [add user](https://navigatorcu.org/blog/tag/add-user/)
- [joint account users](https://navigatorcu.org/blog/tag/joint-account-users/)
- [credit card dispute](https://navigatorcu.org/blog/tag/credit-card-dispute/)
- [Mastercard dispute](https://navigatorcu.org/blog/tag/mastercard-dispute/)
- [debit card dispute](https://navigatorcu.org/blog/tag/debit-card-dispute/)
- [debit card](https://navigatorcu.org/blog/tag/debit-card/)
- [check holds](https://navigatorcu.org/blog/tag/check-holds/)
- [deposit hold](https://navigatorcu.org/blog/tag/deposit-hold/)
- [available balance](https://navigatorcu.org/blog/tag/available-balance/)
- [current balance](https://navigatorcu.org/blog/tag/current-balance/)
- [RealID](https://navigatorcu.org/blog/tag/realid/)
- [IDCheck](https://navigatorcu.org/blog/tag/idcheck/)
- [Shared Branching](https://navigatorcu.org/blog/tag/shared-branching/)
- [Shared Branches](https://navigatorcu.org/blog/tag/shared-branches/)
- [fraud prevention](https://navigatorcu.org/blog/tag/fraud-prevention/)
- [Christmas Club](https://navigatorcu.org/blog/tag/christmas-club/)
- [vacation savings](https://navigatorcu.org/blog/tag/vacation-savings/)
- [saving for a car](https://navigatorcu.org/blog/tag/saving-for-a-car/)
- [buying a car](https://navigatorcu.org/blog/tag/buying-a-car/)
- [money market](https://navigatorcu.org/blog/tag/money-market/)
- [Certificates of Deposit](https://navigatorcu.org/blog/tag/certificates-of-deposit/)
- [CDs](https://navigatorcu.org/blog/tag/cds/)
- [529 college savings](https://navigatorcu.org/blog/tag/529-college-savings/)
- [college savings](https://navigatorcu.org/blog/tag/college-savings/)
- [safe deposit](https://navigatorcu.org/blog/tag/safe-deposit/)
- [safe deposit box](https://navigatorcu.org/blog/tag/safe-deposit-box/)
- [Co-op](https://navigatorcu.org/blog/tag/co-op/)
- [shared branch](https://navigatorcu.org/blog/tag/shared-branch/)
- [co-op network](https://navigatorcu.org/blog/tag/co-op-network/)
- [Allpoint](https://navigatorcu.org/blog/tag/allpoint/)
- [ATMs](https://navigatorcu.org/blog/tag/atms/)
- [ATM network](https://navigatorcu.org/blog/tag/atm-network/)
- [card controls](https://navigatorcu.org/blog/tag/card-controls/)
- [debit cards](https://navigatorcu.org/blog/tag/debit-cards/)
- [card management](https://navigatorcu.org/blog/tag/card-management/)
- [lost debit card](https://navigatorcu.org/blog/tag/lost-debit-card/)
- [stolen debit card](https://navigatorcu.org/blog/tag/stolen-debit-card/)
- [replace debit card](https://navigatorcu.org/blog/tag/replace-debit-card/)
- [debit card alerts](https://navigatorcu.org/blog/tag/debit-card-alerts/)
- [debit card controls](https://navigatorcu.org/blog/tag/debit-card-controls/)
- [lost credit card](https://navigatorcu.org/blog/tag/lost-credit-card/)
- [stolen credit card](https://navigatorcu.org/blog/tag/stolen-credit-card/)
- [credit card alerts](https://navigatorcu.org/blog/tag/credit-card-alerts/)
- [credit card controls](https://navigatorcu.org/blog/tag/credit-card-controls/)
- [mobile app FAQs](https://navigatorcu.org/blog/tag/mobile-app-faqs/)
- [mobile banking](https://navigatorcu.org/blog/tag/mobile-banking/)
- [internal transfers](https://navigatorcu.org/blog/tag/internal-transfers/)
- [external transfers](https://navigatorcu.org/blog/tag/external-transfers/)
- [make a transfer](https://navigatorcu.org/blog/tag/make-a-transfer/)
- [member transfer](https://navigatorcu.org/blog/tag/member-transfer/)
- [member to member](https://navigatorcu.org/blog/tag/member-to-member/)
- [member to member transfer](https://navigatorcu.org/blog/tag/member-to-member-transfer/)
- [reorder checks](https://navigatorcu.org/blog/tag/reorder-checks/)
- [order checks](https://navigatorcu.org/blog/tag/order-checks/)
- [checks](https://navigatorcu.org/blog/tag/checks/)
- [Christmas](https://navigatorcu.org/blog/tag/christmas/)
- [Christmas saving](https://navigatorcu.org/blog/tag/christmas-saving/)
- [holiday budget](https://navigatorcu.org/blog/tag/holiday-budget/)
- [Christmas Club savings](https://navigatorcu.org/blog/tag/christmas-club-savings/)
- [holidays](https://navigatorcu.org/blog/tag/holidays/)
- [financial assistance](https://navigatorcu.org/blog/tag/financial-assistance/)
- [government shutdown assistance](https://navigatorcu.org/blog/tag/government-shutdown-assistance/)
- [member number](https://navigatorcu.org/blog/tag/member-number/)
- [membership](https://navigatorcu.org/blog/tag/membership/)
- [membership number](https://navigatorcu.org/blog/tag/membership-number/)
- [transaction alerts](https://navigatorcu.org/blog/tag/transaction-alerts/)
- [account alerts](https://navigatorcu.org/blog/tag/account-alerts/)
- [mobile wallet](https://navigatorcu.org/blog/tag/mobile-wallet/)
- [mobile wallets](https://navigatorcu.org/blog/tag/mobile-wallets/)
- [Apple Pay](https://navigatorcu.org/blog/tag/apple-pay/)
- [Google Pay](https://navigatorcu.org/blog/tag/google-pay/)
- [Samsung Pay](https://navigatorcu.org/blog/tag/samsung-pay/)
- [Samsung Wallet](https://navigatorcu.org/blog/tag/samsung-wallet/)
- [mobile payments](https://navigatorcu.org/blog/tag/mobile-payments/)
- [contactless pay](https://navigatorcu.org/blog/tag/contactless-pay/)
- [contactless payment](https://navigatorcu.org/blog/tag/contactless-payment/)
- [travel notice](https://navigatorcu.org/blog/tag/travel-notice/)
- [travel notice on account](https://navigatorcu.org/blog/tag/travel-notice-on-account/)
- [debit card travel notice](https://navigatorcu.org/blog/tag/debit-card-travel-notice/)
- [credit card travel notice](https://navigatorcu.org/blog/tag/credit-card-travel-notice/)
- [traveling dates](https://navigatorcu.org/blog/tag/traveling-dates/)
- [dates for travellng](https://navigatorcu.org/blog/tag/dates-for-travellng/)
- [travel alerts](https://navigatorcu.org/blog/tag/travel-alerts/)
- [travel notifications](https://navigatorcu.org/blog/tag/travel-notifications/)
- [joint owner](https://navigatorcu.org/blog/tag/joint-owner/)
- [ex spouse](https://navigatorcu.org/blog/tag/ex-spouse/)
- [ex husband](https://navigatorcu.org/blog/tag/ex-husband/)
- [ex wife](https://navigatorcu.org/blog/tag/ex-wife/)
- [joint account owners](https://navigatorcu.org/blog/tag/joint-account-owners/)
- [divorce](https://navigatorcu.org/blog/tag/divorce/)
- [wire transfer](https://navigatorcu.org/blog/tag/wire-transfer/)
- [wire transfers](https://navigatorcu.org/blog/tag/wire-transfers/)
- [wires](https://navigatorcu.org/blog/tag/wires/)
- [wire money](https://navigatorcu.org/blog/tag/wire-money/)
- [wire transfer scams](https://navigatorcu.org/blog/tag/wire-transfer-scams/)
- [wire transfer agreement](https://navigatorcu.org/blog/tag/wire-transfer-agreement/)
- [international wires](https://navigatorcu.org/blog/tag/international-wires/)
- [international wire transfers](https://navigatorcu.org/blog/tag/international-wire-transfers/)
- [international ACH](https://navigatorcu.org/blog/tag/international-ach/)
- [domestic wires](https://navigatorcu.org/blog/tag/domestic-wires/)
- [domestic wire transfers](https://navigatorcu.org/blog/tag/domestic-wire-transfers/)
- [ACH transfer](https://navigatorcu.org/blog/tag/ach-transfer/)
- [chat](https://navigatorcu.org/blog/tag/chat/)
- [chatbot](https://navigatorcu.org/blog/tag/chatbot/)
- [web chat](https://navigatorcu.org/blog/tag/web-chat/)
- [website chat](https://navigatorcu.org/blog/tag/website-chat/)
- [chat service](https://navigatorcu.org/blog/tag/chat-service/)
- [AI assistant](https://navigatorcu.org/blog/tag/ai-assistant/)
- [chat assistant](https://navigatorcu.org/blog/tag/chat-assistant/)
- [digital assistant](https://navigatorcu.org/blog/tag/digital-assistant/)
- [chat online](https://navigatorcu.org/blog/tag/chat-online/)
- [search](https://navigatorcu.org/blog/tag/search/)
- [website search](https://navigatorcu.org/blog/tag/website-search/)
- [search website](https://navigatorcu.org/blog/tag/search-website/)
- [virtual assistant](https://navigatorcu.org/blog/tag/virtual-assistant/)
- [identify a scam](https://navigatorcu.org/blog/tag/identify-a-scam/)
- [scammers pretend to be credit union](https://navigatorcu.org/blog/tag/scammers-pretend-to-be-credit-union/)
- [caller ID scam](https://navigatorcu.org/blog/tag/caller-id-scam/)
- [impersonating credit union](https://navigatorcu.org/blog/tag/impersonating-credit-union/)
- [problem on your account scam](https://navigatorcu.org/blog/tag/problem-on-your-account-scam/)
- [scammers pressure](https://navigatorcu.org/blog/tag/scammers-pressure/)
- [scammers act immediately](https://navigatorcu.org/blog/tag/scammers-act-immediately/)
- [auto extended warranty](https://navigatorcu.org/blog/tag/auto-extended-warranty/)
- [vehicle extended warranty](https://navigatorcu.org/blog/tag/vehicle-extended-warranty/)
- [mechanical repair coverage](https://navigatorcu.org/blog/tag/mechanical-repair-coverage/)
- [extended warranty](https://navigatorcu.org/blog/tag/extended-warranty/)
- [roadside assistance](https://navigatorcu.org/blog/tag/roadside-assistance/)
- [ASE Certified repair](https://navigatorcu.org/blog/tag/ase-certified-repair/)
- [Cashier's check](https://navigatorcu.org/blog/tag/cashiers-check/)
- [fake cashier's check](https://navigatorcu.org/blog/tag/fake-cashiers-check/)
- [counterfeit cashier's check](https://navigatorcu.org/blog/tag/counterfeit-cashiers-check/)
- [cashier's check scams](https://navigatorcu.org/blog/tag/cashiers-check-scams/)
- [red flags](https://navigatorcu.org/blog/tag/red-flags/)
- [identifying cashier's check](https://navigatorcu.org/blog/tag/identifying-cashiers-check/)
- [verify cashier's check](https://navigatorcu.org/blog/tag/verify-cashiers-check/)