| APR | APY | |
| Membership Share | 2.250% | 2.273% |
Deposit 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.
Membership Share
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% |
Prime Money Market
| Premium Savings Money Market | APR | APY |
| $0.00 -$9,999.99 | 0.150% | 0.150% |
| $10,000.00 & above (Variable: Prime-3.75%) | 4.169% | 4.250% |
(Additional requirements apply.)
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% |
| 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% |