Savings Rates

Navigator Credit Union is a member-owned financial institution that provides some of the best, most competitive rates on savings products throughout the Mississippi and Alabama coastal regions. As a Navigator member, you have the tools to develop a well-rounded money saving strategy tailored to your goals and retirement timeline using our broad range of excellent savings products and rates. Current savings rates are listed below.

Rates effective as of 8/21/2023*

*All rates are subject to change without notice.

Membership Share
  APR APY
Membership Share 2.250% 2.273%

 

Primary Savings
Primary Savings APR APY
$0.00 – $9,999.99 0.150% 0.150%
$10,000 – $25,000 0.150% 0.150%
$25,000.01 – $50,000 0.150% 0.150%
$50,000.01 – $100,000 0.150% 0.150%
$100,000.01 & above 0.150% 0.150%
IRAs
IRAs APR APY
$0.00 – $9,999.99 0.499% 0.500%
$10,000 – $25,000 0.499% 0.500%
$25,000.01 – $50,000 0.499% 0.500%
$50,000.01 – $100,000 0.499% 0.500%
$100,000.01 & above 0.499% 0.500%
Checking
APR APY
Checking 0.100% 0.100%
Save’N Up
APR APY
Save’N Up 2.96% 3.00%
Christmas Savings
APR APY
Christmas Savings 0.400% 0.400%

 

Premium Savings Money Market
Premium Savings Money Market APR APY
$2,500 – $10,000 0.399% 0.400%
$10,000.01 – $25,000 0.449% 0.450%
$25,000.01 – $50,000 0.499% 0.500%
$50,000.01 – $100,000 0.598% 0.600%
$100,000.01 & above 0.698% 0.700%
Share Certificates ($25,000.00 or less)
Share Certificates ($25,000.00 or less) APR APY
6 Month 1st Nvestor 0.449% 0.450%
6 Month 0.449% 0.450%
10 Month Special 4.889% 5.000%
12 Month 0.698% 0.700%
18 Month 0.797% 0.800%
24 Month 0.847% 0.850%
30 Month 0.896% 0.900%
36 Month 0.946% 0.950%
48 Month 1.094% 1.100%
60 Month 1.342% 1.350%

 

Share Certificates ($25,000.01 – $99,999.99)
Share Certificates ($25,000.01 – $99,999.99) APR APY
6 Month 1st Nvestor 0.474% 0.475%
6 Month 0.474% 0.475%
10 Month Special 4.889% 5.000%
12 Month 0.747% 0.750%
18 Month 0.847% 0.850%
24 Month 0.896% 0.900%
30 Month 0.946% 0.950%
36 Month 0.995% 1.000%
48 Month 1.144% 1.150%
60 Month 1.391% 1.400%

 

Jumbo Share Certificates ($100,000.00 and Over)
Jumbo Share Certificates ($100,000.00 and Over) APR APY
6 Month 0.499% 0.500%
10 Month Special 4.889% 5.000%
12 Month 0.797% 0.800%
18 Month 0.896% 0.900%
24 Month 0.946% 0.950%
30 Month 0.995% 1.000%
36 Month 1.045% 1.050%
48 Month 1.193% 1.200%
60 Month 1.440% 1.450%

 

IRA Certificates ($25,000.00 or Less)

 

IRA Certificates ($25,000.00 or Less) APR APY
6 Month 1st Nvestor 0.549% 0.550%
6 Month 0.549% 0.550%
10 Month Special 4.985% 5.100%
12 Month 0.797% 0.800%
18 Month 0.896% 0.900%
24 Month 0.946% 0.950%
30 Month 0.995% 1.000%
36 Month 1.045% 1.050%
48 Month 1.193% 1.200%
60 Month 1.440% 1.450%

 

IRA Certificates ($25,000.01 – $99,999.99)

 

IRA Certificates ($25,000.01 – $99,999.99)  APR  APY
6 Month 1st Nvestor 0.573% 0.575%
6 Month 0.573% 0.575%
10 Month Special 4.985% 5.100%
12 Month 0.847% 0.850%
18 Month 0.946% 0.950%
24 Month 0.995% 1.000%
30 Month 1.045% 1.050%
36 Month 1.094% 1.100%
48 Month 1.243% 1.250%
60 Month 1.490% 1.500%

 

Jumbo IRA Certificates ($100,000.00 & Over)

 

Jumbo IRA Certificates ($100,000.00 & Over)  APR  APY
6 Month 0.598% 0.600%
10 Month Special 4.985% 5.100%
12 Month 0.896% 0.900%
18 Month 0.995% 1.000%
24 Month 1.045% 1.050%
30 Month 1.094% 1.100%
36 Month 1.144% 1.150%
48 Month 1.292% 1.300%
60 Month 1.539% 1.550%

 

*All rates are subject to change without notice. APY= Annual Percentage Yield. APR = Annual Percentage Rate.