Competitive rates
At Navigator, your savings work hard for you. Earn higher rates than you would at many other banks and credit unions.
Savings Accounts
Your financial goals are as unique as you are. Navigator Credit Union offers a range of fully-featured accounts—all with great rates—to help you at every stage of your savings journey.
Savings accounts designed to keep you on course
Flexible account types
Your goals aren’t one size fits all,
and your savings plan shouldn’t be either. We offer a range of tailored options.
Federally insured
Your money is always safe. Federally insured by NCUA, up to $250,000 per person.
Primary Savings Account
Your savings journey starts here. Our basic savings account is a convenient and secure way to save and earn money.
- No minimum balance
- No monthly maintenance fee
- Individual or joint accounts
Sub-Savings Account
Are you saving money for something in particular, like a laptop or a vacation? Our Sub-Savings Accounts are a great way to put aside money for specific goals.
- Keep your sub-savings account balances separate from your primary savings account
- Choose a name for each sub-savings account
- No minimum balance requirement
- Track how close you are to reaching your goals
Premium Money Market
Looking to save for a down payment on a car or a house? A Premium Money Market boosts your earnings so you can reach major savings milestones.
- Open with as little as $2,500
- No maturity date. Your cash is always available*
- Tiered dividend rates. The more you invest, the more you earn
- No monthly maintenance fee
Prime Money Market
Watch your money grow faster with a Prime Money Market! New deposits in your account earn one of the highest APYs** on the market today.
- Variable interest rate based on the Wall Street Journal Prime Rate**
- No minimum balance requirement
- No monthly fee
- Your cash remains easily available*
Certificates and IRAs
Turn your savings into a nest egg. With time on your side, our certificates and IRAs provide safe, sustained earnings for a more secure future.
- Certificates with guaranteed rates of return
- Certificate terms from six months to five years
- Tax-advantaged traditional IRAs
- Certificate IRAs for long-term, low-risk investing
- Coverdell Education Savings Accounts
Youth Savings
It’s never too soon to start saving. Our Youth Savings Account helps kids learn healthy financial habits early while building their very own savings balances.
- No monthly maintenance fees
- Joint accounts with an adult for kids aged 0-15
- Teens aged 16-17 can open their own account
- $5 opening deposit
Christmas Club
Get ahead of holiday expenses without the stress. Plan ahead for end-of-year spending with our Christmas Club Account. Make regular contributions and receive a payout just in time for your celebrations.***
- Avoid racking up credit card debt
- $2 minimum deposit
- Competitive interest rate.
- Keep holiday funds separate from everyday expenses — account pays out on November 1
Savings Goal Calculator
This savings goal calculator will help you determine how much you’ll need to save each month in order to realize your next big purchase.
Our members get more
It pays to be a member of Navigator Credit Union. Whether you’re looking to spend, save, borrow, or invest, Navigator is here to help you reach your next financial milestone.
Deposit rates
Enjoy some of the best rates on savings deposits on the Gulf Coast.
Financial calculators
Use our calculators to plan for loans, mortgages, retirement, and more.
Mobile banking
Bank on the go using our mobile app—packed with tools and features.
Financial counseling
Free financial counseling to help you develop healthy money habits.
Manage your savings from anywhere with our digital banking services
Sign up for Navigator’s free digital banking services and manage your finances the easy way from your computer or mobile device. Access your account anytime and from anywhere to see your balance or transfer money, make payments using our Bill Pay service, or check previous transactions with eStatements.
Contact us
Savings accounts FAQ
Anyone eligible for Navigator Credit Union membership can open a dividend-earning savings account. When you open a Primary Savings, Sub-Savings, Premium Savings Money Market, Prime Money Market, Certificate, or Christmas Club account, you become a member and co-owner of the Navigator Credit Union financial cooperative.
Yes, our Sub-Savings Accounts make it easy to set money aside for specific goals, like vacations, holiday spending, or a rainy-day fund, while keeping those funds separate from your primary savings and everyday spending.
A Christmas Club account is a special savings option that helps you plan ahead for holiday expenses such as gifts, décor, food, and travel. You make deposits throughout the year and earn dividends on your balance. In November, the full balance is paid out as a lump sum to your savings or checking account, right in time for end-of-year spending.***
By saving in advance, a Christmas Club account can help you stick to your budget and avoid dipping into everyday funds or relying on high-interest credit cards during the holiday season.
A Premium Savings Money Market is a high-yield account that pays dividends on balances over $2,500 using a tiered APY structure. Each tier has its own rate, and you earn that rate on the portion of your balance within that tier.
A Prime Money Market pays dividends at a variable rate on your balance. This rate is benchmarked to the Wall Street Journal Prime Rate and may increase or decrease over time.
You can manage all Navigator Credit Union savings accounts through Online Banking or our mobile app (available on the App Store and Google Play). You can check balances, transfer funds, and monitor your accounts digitally, by visiting a branch, or by contacting us by phone. Cash withdrawals can be made at a branch or at an ATM.
Certificates and IRAs (Individual Retirement Accounts) are designed for longer-term saving. Funds in a basic savings or money market account are typically available anytime, while a certificate is intended to be held until it matures. Early withdrawals usually incur a penalty.
IRAs are retirement accounts with tax advantages, and withdrawals are generally intended after age 59½. Withdrawals before then may be subject to a 10% early-withdrawal penalty and applicable taxes, depending on the IRA type and your circumstances.
Yes. Navigator Credit Union savings deposit accounts are insured up to $250,000 per person by the National Credit Union Administration (NCUA).
Explore accounts
Checking accounts
From Early Pay to instant issue debit cards, enjoy a range of powerful built-in features designed to simplify your everyday banking experience without incurring monthly maintenance fees.
Credit cards
Make easy payments, consolidate debt, build your credit, and earn generous rewards, all with your Navigator Platinum Rewards Card from Mastercard.
Mortgages
Whether you’re buying your first home or investing in a second property, our team has the skills and knowledge to help you navigate the homebuying process.