Welcome Aboard!
Accounts, Loans and Services Designed Around You

At Navigator Credit Union, we believe in banking that puts people first. Here, you’ll find the full array of services you’d expect from a bank. But, because we’re member-owned and not for profit, we’ll help you earn more with your savings, pay less for your loans and enjoy more day-to-day convenience.

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Certificate of Deposit (CD)
CDs are high-yield deposit investments that guarantee a great return with no market risk. CDs have terms ranging from six months to five years. Early withdrawal of the funds is subject to a penalty. 

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 VISA® 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.

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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.

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.

ServicesYoung family in the park

Courtesy Net
Courtesy Net, also known as overdraft protection, will cover any transaction that takes your checking account into the negative up to $300. There is a $25 fee per transaction.

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 use your debit card at more than 55,000 surcharge-free ATMs nationwide. You can even manage, monitor and protect your debit card with our free CardValet 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.

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 $2 transfer fee.

We’ve Been Here for Our Communities Since 1939.

As a not-for-profit credit union, Navigator is here to serve our Members, not Wall Street investors.
That means we can provide you with a full range of financial products and services, with better rates, fewer fees
and more flexibility than a traditional bank can provide.
Start enjoying the benefits of Membership!

APR = Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, age of vehicle and term of the loan. 3.99% available only for collateral 2012 or newer with less than 100k miles. Your rate can be higher depending on your credit performance. Rates are subject to change without notice. Save’N Up match subject to e-statement enrollment. Match applies to purchases made using signature/credit mode. After 30 days, match paid on 10% of round-ups. Cash bonus up to $300 per year paid at the end of each calendar quarter. 5.5% Annual Percentage Yield. Origination fees discount applies only to mortgages which qualify for in-house financing and not to loans sold on the secondary market. NMLS# 646402. Equal Housing Lender. Federally insured by NCUA