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NAVIGATOR Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 10, 2026
NAVIGATOR's top rates as of October 10, 2026 are 1.55% APY on its Jumbo IRA CDs & Over - 60 Month CD, 0.70% APY on savings, 3.25% APY on money market accounts, 3.25% APY on checking, personal loans from 10.99% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other NAVIGATOR CD rates include IRA CDs - 60 Month at 1.50%, IRA CDs or Less - 60 Month at 1.45%, and Jumbo CDs and Over - 60 Month at 1.45%. MonitorBankRates evaluates the financial stability of NAVIGATOR with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.33%. Rates last updated and verified on 10/10/2026.
NAVIGATOR money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at NAVIGATOR? Share your experience about NAVIGATOR by leaving a review below, or read customer reviews before you decide to use NAVIGATOR.
NAVIGATOR has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
NAVIGATOR has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
1.33%
ExcellentLower than avg
NAVIGATOR Texas Ratio
NAVIGATOR's Texas Ratio is 1.33%, which is considered excellent and is lower than the national average of 6.13%.
NAVIGATOR has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.74% to 1.33% over 11 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has improved and is now very strong since Q4 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
NAVIGATOR CD Rates
Product
Rate
APY
Term
View More
Jumbo IRA Certificates & Over - 60 Month
1.539%
1.55%
60 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.55% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates - 60 Month
1.49%
1.50%
60 Month
Details$25,000.01 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates or Less - 60 Month
1.44%
1.45%
60 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.45% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo Share Certificates and Over - 60 Month
1.44%
1.45%
60 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.45% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
60 Month Certificate
1.391%
1.40%
60 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 30, 2026 · 1.35% → 1.40% ▲ 0.05 pts · high 1.40% / low 1.35%
Oct 10, 20261.40%▲ from 1.35%
Sep 30, 20261.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
60 Month Certificate
1.342%
1.35%
60 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.35% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo IRA Certificates & Over - 48 Month
1.292%
1.30%
48 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates - 48 Month
1.243%
1.25%
48 Month
Details$25,000.01 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates or Less - 48 Month
1.193%
1.20%
48 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo Share Certificates and Over - 48 Month
1.193%
1.20%
48 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
48 Month Certificate
1.144%
1.15%
48 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 30, 2026 · 1.10% → 1.15% ▲ 0.05 pts · high 1.15% / low 1.10%
Oct 10, 20261.15%▲ from 1.10%
Sep 30, 20261.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo IRA Certificates & Over - 36 Month
1.144%
1.15%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
48 Month Certificate
1.094%
1.10%
48 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates - 36 Month
1.094%
1.10%
36 Month
Details$25,000.01 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo IRA Certificates & Over - 30 Month
1.094%
1.10%
30 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates - 30 Month
1.045%
1.05%
30 Month
Details$25,000.01 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates or Less - 36 Month
1.045%
1.05%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo IRA Certificates & Over - 24 Month
1.045%
1.05%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo Share Certificates and Over - 36 Month
1.045%
1.05%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.05% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
36 Month Certificate
0.995%
1.00%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 30, 2026 · 0.95% → 1.00% ▲ 0.05 pts · high 1.00% / low 0.95%
Oct 10, 20261.00%▲ from 0.95%
Sep 30, 20260.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates - 24 Month
0.995%
1.00%
24 Month
Details$25,000.01 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates or Less - 30 Month
0.995%
1.00%
30 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo IRA Certificates & Over - 18 Month
0.995%
1.00%
18 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 1.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo Share Certificates and Over - 30 Month
0.995%
1.00%
30 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
30 Month Certificate
0.946%
0.95%
30 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 30, 2026 · 0.90% → 0.95% ▲ 0.05 pts · high 0.95% / low 0.90%
Oct 10, 20260.95%▲ from 0.90%
Sep 30, 20260.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
36 Month Certificate
0.946%
0.95%
36 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.95% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates - 18 Month
0.946%
0.95%
18 Month
Details$25,000.01 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.95% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates or Less - 24 Month
0.946%
0.95%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.95% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo Share Certificates and Over - 24 Month
0.946%
0.95%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.95% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
24 Month Certificate
0.896%
0.90%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 30, 2026 · 0.85% → 0.90% ▲ 0.05 pts · high 0.90% / low 0.85%
Oct 10, 20260.90%▲ from 0.85%
Sep 30, 20260.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
30 Month Certificate
0.896%
0.90%
30 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.90% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates or Less - 18 Month
0.896%
0.90%
18 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.90% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo IRA Certificates & Over - 12 Month
0.896%
0.90%
12 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.90% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo Share Certificates and Over - 18 Month
0.896%
0.90%
18 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.90% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
18 Month Certificate
0.847%
0.85%
18 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 30, 2026 · 0.80% → 0.85% ▲ 0.05 pts · high 0.85% / low 0.80%
Oct 10, 20260.85%▲ from 0.80%
Sep 30, 20260.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
24 Month Certificate
0.847%
0.85%
24 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.85% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates - 12 Month
0.847%
0.85%
12 Month
Details$25,000.01 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.85% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
18 Month Certificate
0.797%
0.80%
18 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates or Less - 12 Month
0.797%
0.80%
12 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo Share Certificates and Over - 12 Month
0.797%
0.80%
12 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
12 Month Certificate
0.747%
0.75%
12 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 30, 2026 · 0.70% → 0.75% ▲ 0.05 pts · high 0.75% / low 0.70%
Oct 10, 20260.75%▲ from 0.70%
Sep 30, 20260.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
12 Month Certificate
0.698%
0.70%
12 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.70% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo IRA Certificates & Over - 6 Month
0.598%
0.60%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.60% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates - 6 Month 1st Nvestor
0.573%
0.575%
6 Month
Details$25,000.01 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.58% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA Certificates or Less - 6 Month 1st Nvestor
0.549%
0.55%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.55% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Jumbo Share Certificates and Over - 6 Month
0.499%
0.50%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
6 Month 1st Nvestor
0.474%
0.475%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 30, 2026 · 0.45% → 0.48% ▲ 0.02 pts · high 0.48% / low 0.45%
Oct 10, 20260.48%▲ from 0.45%
Sep 30, 20260.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
6 Month Certificate
0.474%
0.475%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
1 change since Sep 30, 2026 · 0.45% → 0.48% ▲ 0.02 pts · high 0.48% / low 0.45%
Oct 10, 20260.48%▲ from 0.45%
Sep 30, 20260.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
6 Month 1st Nvestor
0.449%
0.45%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.45% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
6 Month Certificate
0.449%
0.45%
6 Month
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.45% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
NAVIGATOR Savings Rates
Product
Rate
APY
View More
Premium Savings Money Market
0.698%
0.70%
Min Balance$100,000
DetailsBalance: $100,000.01 & above
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.70% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Premium Savings Money Market
0.598%
0.60%
Min Balance$50,000
DetailsBalance: $50,000.01 - $100,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Premium Savings Money Market
0.499%
0.50%
Min Balance$25,000
DetailsBalance: $25,000.01 - $50,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Premium Savings Money Market
0.449%
0.45%
Min Balance$10,000
DetailsBalance: $10,000.01 - $25,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.45% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Christmas Savings
0.40%
0.40%
No additional details.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Premium Savings Money Market
0.399%
0.40%
Min Balance$2,500
DetailsBalance: $2,500 - $10,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Regular Savings
0.15%
0.15%
Min Balance$0
DetailsBalance: $0.00 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Regular Savings
0.15%
0.15%
Min Balance$10,000
DetailsBalance: $10,000 - $25,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Regular Savings
0.15%
0.15%
Min Balance$25,000
DetailsBalance: $25,000.01 - $50,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Regular Savings
0.15%
0.15%
Min Balance$50,000
DetailsBalance: $50,000.01 - $100,000
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Regular Savings
0.15%
0.15%
Min Balance$100,000
DetailsBalance: $100,000.01 & above
Last Updated10/10/2026
Rate History
No change since Oct 10, 2026 · 0.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
NAVIGATOR Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.15%
0.15%
Min Balance$0
DetailsBalance: $0.00 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Business Savings
0.15%
0.15%
Min Balance$10,000
DetailsBalance: $10,000 - $25,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Business Savings
0.15%
0.15%
Min Balance$25,000
DetailsBalance: $25,000.01 - $50,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Business Savings
0.15%
0.15%
Min Balance$50,000
DetailsBalance: $50,000.01 - $100,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Business Savings
0.15%
0.15%
Min Balance$100,000
DetailsBalance: $100,000.01 & above
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 3 times
No change since Sep 30, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Premium Savings Money Market
0.698%
0.70%
Min Balance$100,000
DetailsBalance: $100,000.01 & above
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.70% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Premium Savings Money Market
0.598%
0.60%
Min Balance$50,000
DetailsBalance: $50,000.01 - $100,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.60% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Premium Savings Money Market
0.499%
0.50%
Min Balance$25,000
DetailsBalance: $25,000.01 - $50,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Premium Savings Money Market
0.449%
0.45%
Min Balance$10,000
DetailsBalance: $10,000.01 - $25,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.45% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Premium Savings Money Market
0.399%
0.40%
Min Balance$2,500
DetailsBalance: $2,500 - $10,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Prime Money Market
0.15%
0.15%
Min Balance$0
DetailsBalance: $0.00 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
NAVIGATOR Business Money Market Rates
Product
Rate
APY
View More
Commercial Money Market
2.472%
2.50%
Min Balance$500,000
DetailsBalance: $500,000 and above
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 2.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Commercial Money Market
1.982%
2.00%
Min Balance$100,000
DetailsBalance: $100,000 - $499,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 2.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Commercial Money Market
1.49%
1.50%
Min Balance$10,000
DetailsBalance: $10,000 - $99,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 1.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Commercial Money Market
0.15%
0.15%
Min Balance$0
DetailsBalance: $0 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.15% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
NAVIGATOR Checking Rates
Product
Rate
APY
View More
High Yield Checking
3.198%
3.25%
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99; Variable: Prime - 3.75%
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 3.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
NAVIGATOR Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto (Current and prior year)
-
-
4.24%
36 months
DetailsAs low as APR
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 4.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Used Auto (2-6 Model Year)
-
-
4.99%
36 months
DetailsAs low as APR
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 4.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Older Used Auto (7-14 Model Year)
-
-
6.24%
36 months
DetailsAs low as APR
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 6.24% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
NAVIGATOR RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Boat Loan
-
6.99%
DetailsAs low as
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 6.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
RV Loan
-
6.99%
DetailsAs low as
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 6.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
ATV Loan
-
7.49%
DetailsAs low as
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 7.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
NAVIGATOR Credit Card Rates
Product
Rate
APR
View More
Credit Cards
-
10.90%
DetailsAs low as APR
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Secured Credit Cards
-
12.90%
DetailsAs low as APR
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 12.90% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
NAVIGATOR Personal Loan Rates
Product
APR
Term
View More
Personal Loan
10.99%
DetailsAs low as; New & Used
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
NAVIGATOR Other Rates
Product
Rate
Points
APY/APR
Term
View More
Lines of Credit Loan
-
-
12.49%
DetailsAs low as APR
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 12.49% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA
0.499%
-
0.50%
Min Balance$0
DetailsBalance: $0.00 - $9,999.99
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA
0.499%
-
0.50%
Min Balance$10,000
DetailsBalance: $10,000 - $25,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA
0.499%
-
0.50%
Min Balance$50,000
DetailsBalance: $50,000.01 - $100,000
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
IRA
0.499%
-
0.50%
Min Balance$100,000
DetailsBalance: $100,000.01 & above
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 0.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Save'N Up
2.96%
-
3.00%
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Save'N Up
-
-
3.00%
DetailsHigh-yield savings. Navigator will match 50% of round-up amounts from transactions in signature mode for the first 30 days. Navigator will match 5% of round-ups amounts from transactions in signature mode after 30 days. Earned match is up to $300 per calendar year.
Last Updated10/10/2026
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.33%
Financial Health History
NAVIGATOR’s Texas Ratio fell from 2.74% in Q4 2023 to 1.33% in Q2 2026, so its financial health has improved and is now very strong over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$407M
1.33%
5.0
A+
March 31, 2026
$399M
1.80%
5.0
A+
December 31, 2025
$386M
2.50%
5.0
A+
September 30, 2025
$384M
2.23%
5.0
A+
June 30, 2025
$389M
1.81%
5.0
A+
March 31, 2025
$400M
2.06%
5.0
A+
December 31, 2024
$401M
2.74%
5.0
A+
September 30, 2024
$412M
2.68%
5.0
A+
June 30, 2024
$396M
2.30%
5.0
A+
March 31, 2024
$398M
2.80%
5.0
A+
December 31, 2023
$379M
2.74%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating
Our rating for NAVIGATOR is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather NAVIGATOR rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with NAVIGATOR's official website for the most current offers and terms.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,303,446
Total Uninsured Shares and Deposits > $250K (F+J)
7,303,446
Total Insured Shares and Deposits > $250K (item 17 less item K)
320,351,755
Total Interest Expense (Sum of items 6 8)
772,904
Share Certificates
2,012
Number of Accounts for Share Drafts
39,908
IRA KEOGH Accounts
761
Number of Accounts for Regular Shares
113,333
All other shares
9
Money Market Shares
645
Net Income (unless the amount is already included in Undivided Earnings)
3,365,048
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
44,630,750
Total Liabilities
333,577,919
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
NAVIGATOR earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for NAVIGATOR
Frequently Asked Questions About NAVIGATOR
How many branches does NAVIGATOR operate?
NAVIGATOR currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is a member application needed to join NAVIGATOR?
Yes, to access services at NAVIGATOR, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.
Is there a first-time homebuyer program?
Currently, NAVIGATOR does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, NAVIGATOR provides members with tools to manage their accounts and build a solid financial history.
Does NAVIGATOR offer online and mobile banking?
Most modern institutions like NAVIGATOR provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.navigatorcu.org.
Current NAVIGATOR Rates
12-Month CD0.70%
18-Month CD0.80%
24-Month CD0.85%
60-Month CD1.35%
Savings0.70%
MMA3.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
