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Personal Loans

Perhaps you were surprised by a big bill – unplanned medical costs, emergency car repair or storm damage to your home. Or maybe you just want to consolidate your debt into one manageable fixed payment. The reasons to get a loan are as unique as you are – and that’s why we call it a “personal loan.”

Navigator wants to help you succeed, and that often includes extending personal credit with low rates and flexible terms to help you achieve a dream or manage the latest financial bump. To learn about our variety of personal loan options, click the links below.

Personal Loan

A quick and easy loan that requires no collateral. Funds are received as a lump sum. These loans can be used for any purpose, but are ideal for paying off higher-interest debt.

Personal Line of Credit

A Navigator Personal Line of Credit gives you peace of mind. You can access your Line of Credit at an ATM, through Navigator digital banking services or at any Navigator location. Minimum payments are due monthly, with the payment amount based on a percentage of the loan balance.

Overdraft Coverage Options

  • Overdraft Protection – Simply opt-in for overdraft protection which covers any purchases made, up to $300.
  • Overdraft Transfer – Ask about automatic overdraft transfer using your Navigator savings account. For the cost of a $2 transfer fee, you can be assured that your checks and debit card purchases are covered.
  • Overdraft Line of Credit – Offers overdraft coverage for the occasions in life when we go overboard with spending. For $2, funds are automatically deposited to your account from your line of credit so you never have to worry about bouncing a check again.

Asset Secured Loans

An Asset Secured Loan allows you to use your Savings Account or Certificates of Deposit (CDs) as collateral for a loan and allows you to borrow against savings without depleting them. The Asset Secured Loan offers the lowest interest rate available and is calculated based on the declared share dividends plus 2.0%.

Subject to membership and credit eligibility. Federally insured by NCUA.