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 savings.
With Loyalty Rewards, your loyalty points qualify you for lower interest rates on loans and higher Certificate savings rates.
When applying for a loan, the total number of points you are awarded turns into a discounted interest rate. Points may be applied to most consumer loans and can reduce your rate up to .50%!
Member Loyalty Points can also qualify you for increased Certificate dividend earning power up to 0.20%! (Share Certificate accounts are established for specific terms, and the dividends earned are higher than for standard savings accounts because the money is deposited for a specified length of time.)
| Member Loyalty Points | |
| Active Checking (minimum of 5 transactions during 30-day period) | 1 Point |
| Money Market (minimum of $2,500) | 1 Point |
| Certificate of Deposit, or CD (minimum of $1,000) | 1 Point |
| Navigator Platinum Rewards MasterCard® | 1 Point |
| Direct Deposit (within the last 32 days) | 1 Point |
| Online Banking/Mobile Banking (logged in within the last 61 days) | 1 Point |
| E-statements | 1 Point |
| Navigator Employee | 1 Point |
| Consumer Loan (minimum $2,500 aggregate Home Equity Line of Credit/Consumer) | 1 Point |
| Mortgage Loan | 1 Point |
| Member for 2-5 years | 1 Point |
| Member for 5-10 years | 2 Points |
| Member for 10+ years | 3 Points |
| Navigator’s Member Loyalty Program | Loan Reduction Rate* | CD Rate Increase |
| Navigator Blue (8-9 Points) | .25% | .10% |
| Navigator Silver (10+ Points) | .50% | .20% |
Enjoy the Benefits of Membership
With Navigator’s Member Loyalty Program, your point totals are calculated monthly. The more you take advantage of the Credit Union’s full range of financial products and services, including free checking, home loans, auto loans and credit cards, the more points you’ll accumulate. Thanks to loyalty rewards, it pays to be a Navigator Member!