Accounts
Certificates
Certificates are high-yield deposit investments that guarantee a great return with no market risk. Share certificates have terms ranging from six months to five years. Early withdrawal of the funds is subject to a penalty.
Checking
Navigator’s Free Checking gives you everything you want in a checking account and more. Features include free online banking, free mobile app, free BillPay, an instant issue debit card, no minimum balance required, no monthly service charge and you can even earn interest on your balance.
Christmas Savings Account
Enjoy the season without the financial stress. The Christmas Savings Account’s competitive rate together with your regularly scheduled deposits will allow your fund to build steadily. Then on November 1, we’ll automatically transfer your savings so you can celebrate the holidays without a worry.
Membership Share
A membership share is the foundation of your relationship with Navigator. Your one-time $5 deposit ensures lifetime access to Navigator services and earns interest.
Money Market
As your savings grows, so does your earning power. Open a Money Market account with $2,500 or more and earn higher tiered rates that reward higher balances – while still having easy access to your cash.
Primary Savings Account
A primary savings account is a convenient and secure way to save and earn money. There is no minimum balance plus there’s ATM card access with individual or joint availability. Make the most of your Primary Savings Account with regular deposits through payroll deduction or automatic transfers from your checking account.
Prime Money Market
Our Prime Money Market provides the perfect balance between earning high interest and accessing your funds whenever you need them. Our rate is based on the Wall Street Journal Prime Rate. When the prime rate changes, we’ll adjust the rate automatically for a hassle-free experience.
Save ’N Up
Build your savings with every debit card purchase. We’ll round up each purchase to the next dollar and deposit the difference in your high-yield Save’N Up account. Save’N Up is free to Members and the only requirement to add this unique service to your checking account is to sign up for e-Statements. When you choose signature mode (credit) when making purchases, we’ll even match your rounded up savings up to $300 per year! There’s a 100% match for the first 30 days and a 10% match after that. In addition, funds in your Save’N Up account earn interest at a rate of 3% APY.
Sub-Savings Account
Navigator’s sub-savings accounts are a convenient way to put aside money for specific goals. You’ll be able to keep track of your sub-savings account balances apart from your Primary Savings Account, so you’ll always know how close you are to individual savings goals. Set up a sub-savings account for that special vacation, a special big ticket purchase, a college fund or anything you’d like.