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Accounts, loans and services designed around you

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 Bill Pay, an instant issue debit card, no minimum balance required and no monthly service charge.

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.

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 50% match for the first 30 days and a 5% 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.

Loans

Business loans

Navigator offers lending solutions that cater to the unique needs of small and medium-sized enterprises. We offer commercial real estate, investment property and term loans as well as business lines of credit.

Personal loan

A personal loan is a quick and easy option that requires no collateral. Funds are received as a lump sum. These loans can be used for any purpose, but are ideal for consolidating high-interest debt.

Mortgage

Find the right mortgage for your journey with Navigator. We offer in-house servicing for most 15- and 30-year conventional mortgages, as well as home equity lines of credit and a special 10-year mortgage. Eligible borrowers can take advantage of competitive rates and lower down payments, including zero-down options, through our partnerships with the USDA and a number of other affordable housing and community investment programs.

Navigator Platinum Rewards MasterCard®

Enjoy everyday low rates and the worldwide purchasing power of MasterCard®, with no annual fee, no balance transfer fees and no cash advance fees. Plus, earn unlimited Navigator Rewards!

Small Dollar Loan

The small dollar loan is our alternative to a payday advance loan. It is not based on creditworthiness, there’s no payment for 30 days and has a fixed 25% APR. There is a $20 fee to apply.

Vehicle Loan

Whether it’s a car, truck or SUV, Navigator can help you get in the driver’s seat. Our fast pre-approvals make financing a breeze, and great rates keep more money in your pocket. Currently, Navigator’s auto loans are available at rates as low as 4.99% APR.

Services

Courtesy Net

Courtesy Net, also known as overdraft protection, will cover any transaction that takes your checking account into the negative up to $500. There is a $25 fee per transaction.**

BillPay

Pay bills online with Bill Pay. It’s quicker and easier than writing and mailing paper checks. Members can sign up through Digital Banking.

Debit Card

Navigator’s debit card gives you access to your funds 24/7. It can be used in signature (credit) mode or PIN (debit) mode. The debit cards can be instantly issued in Branch and are activated at 7 p.m. the same day. You can even manage, monitor and protect your debit card with our mobile app, including having the option to turn your card on and off with your smart phone. Download Navigator’s CardValet app at no charge from both Google Play and Apple App Store.

Early Pay

Members can access qualifying payroll funds from participating employers or federal and state government payments up to two days early. There’s no need to enroll and no additional cost – it’s automatic when you have qualifying direct deposits to your free Navigator Checking or Savings account.

e-Statements

Have your Navigator statements delivered to your computer instead of your mailbox! Each month, you’ll receive an email notifying you that your statement is ready to be viewed at our secure website.

Mobile Banking

With Mobile Banking, you can safely and securely access your finances from your Android® or Apple® device. Download the FREE Navigator Credit Union App to enjoy the freedom and convenience of Mobile Banking for life on the go. No Smartphone, no problem! You can also enjoy Mobile Banking via Text Messaging from any cellular device.

Overdraft Transfer

Navigator will automatically transfer funds from your Navigator savings account to your checking account so you can rest assured your checks and debit card purchases are covered. There is a $5 transfer fee.

*Effective July 1, 2025. Subject to membership eligibility and e-statement enrollment. APY = Annual Percentage Yield. 3% Annual Percentage Yield. The annual percentage yield is accurate as of 12/27/2024. Rate is subject to change without notice. First 30 days, match is only available for round ups transfers on credit/signature transactions. After 30 days, match paid on 5% of round ups each quarter. Quarterly match is only available for round ups transfers on credit/signature transactions. The earned match is up to $300 per year paid at the end of each calendar quarter. Federally insured by NCUA.
**Effective July 1, 2025. Under the Courtesy Net option, a $25 overdraft fee will be assessed per presentment of a debit card transaction, ACH transaction, check, or bill pay transaction. You will be charged a fee each time a transaction is presented for payment, even if the same transaction is presented for payment multiple times. Courtesy Net is only permitted on one checking account per membership. You must have a qualified checking account for at least 90 days and be at least 18 years of age. Fiduciary accounts including Trust, Estate and Escrow accounts are not eligible for Courtesy Net. You have 30 days to pay your negative balance before you will no longer be considered in good standing with the credit union. We reserve the right not to pay an item, at our discretion. For example, we typically do not pay overdrafts if your account is not in good standing or you have previously had an excessive number of overdrafts, also at our discretion. If we do not authorize and pay an overdraft, your transaction will be declined and subject to the returned item/insufficient funds fee listed on our Fee Schedule. Overdrafts and fees are based on your available balance, which may be less than your actual balance, depending on pending charges, holds and pledges on your account. Courtesy Net will not cover overdrafts that cause the checking account to exceed a negative balance of more than $500, including any prior fees assessed. All fees subject to change based on our current Fee Schedule. Additional restrictions may apply. See Account Agreement and Disclosure for more information.