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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 1/3/2023*
*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 | 0.399% | 0.400% |
| $10,000 – $25,000 | 0.399% | 0.400% |
| $25,000.01 – $50,000 | 0.399% | 0.400% |
| $50,000.01 – $100,000 | 0.399% | 0.400% |
| $100,000.01 & above | 0.399% | 0.400% |
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 | 0.349% | 0.350% |
| $10,000.01 – $25,000 | 0.374% | 0.375% |
| $25,000.01 – $50,000 | 0.399% | 0.400% |
| $50,000.01 – $100,000 | 0.424% | 0.425% |
| $100,000.01 & above | 0.449% | 0.450% |
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% |
| 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% |
| 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% |
| 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% |
| 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% |
| 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% |
| 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.