What are the current interest rates at Navigant Credit Union?

Current rates for Navigant Credit Union include: 12-Month CD: 2.85%, 18-Month CD: 2.60%, 24-Month CD: 2.60%, 60-Month CD: 2.35%, Savings: 0.10%, MMA: 2.60%

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Navigant Credit Union

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Navigant Credit Union Rates & Review October 2026

Q: How many branches does Navigant Credit Union operate?

Navigant Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Navigant Credit Union?

Yes, to access services at Navigant Credit Union, 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.

Q: Is there a first-time homebuyer program?

Currently, Navigant Credit Union 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Navigant Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Navigant Credit Union's top rates as of October 13, 2026 are 4.25% APY on its 11 Month CDs of Deposit CD, 0.10% APY on savings, 2.60% APY on money market accounts, 3.00% APY on checking, and personal loans from 10.24% APR, according to rates verified by MonitorBankRates. Other Navigant Credit Union CD rates include 15 Month CDs of Deposit at 4.00%, 12 Month CDs of Deposit at 2.85%, and 6 Month CDs of Deposit at 2.85%. MonitorBankRates evaluates the financial stability of Navigant Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.30%. Rates last updated and verified on 10/13/2026.

Navigant Credit Union 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 Navigant Credit Union? Share your experience about Navigant Credit Union by leaving a review below, or read customer reviews before you decide to use Navigant Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.30%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Navigant Credit Union
Corporate Center

1005 Douglas Pike
Smithfield, RI 02917

https://www.navigantcu.org

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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.

Navigant Credit Union CD Rates

Product	Rate	APY	Term
11 Month Certificates of Deposit	4.17%	4.25%	11 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
15 Month Certificates of Deposit	3.93%	4.00%	15 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Oct 9, 20264.00%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
12 Month Certificates of Deposit	2.81%	2.85%	12 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
6 Month Certificates of Deposit	2.81%	2.85%	6 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
9 Month Certificates of Deposit	2.81%	2.85%	9 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
18 Month Certificates of Deposit	2.57%	2.60%	18 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
2 Year Certificates of Deposit	2.57%	2.60%	2 Years
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
2.5 Years 2.5 Year Certificates of Deposit	2.57%	2.60%	2.5 Years
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Certificates of Deposit - 2 Years	2.57%	2.60%	2 Years
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Certificates of Deposit - 2.5 Years	2.57%	2.60%	2.5 Years
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
3 Year Certificates of Deposit	2.47%	2.50%	3 Years
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Certificates of Deposit - 3 Years	2.47%	2.50%	3 Years
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
4 Year Certificates of Deposit	2.33%	2.35%	4 Years
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
5 Year Certificates of Deposit	2.33%	2.35%	5 Years
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Certificates of Deposit - 4 Years	2.33%	2.35%	4 Years
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Certificates of Deposit - 5 Years	2.33%	2.35%	5 Years
Min Deposit $500 Details A $500 minimum opening deposit is required to earn the advertised APY. Penalty may be imposed for early withdrawal. Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Navigant Credit Union Savings Rates

Product	Rate	APY	View More
Statement Savings	0.09%	0.10%
Min Balance $10 Details Share Savings; Minimum balance of $10.00 required to earn APY Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Navigant Credit Union Money Market Rates

Product	Rate	APY
Compass Money Market	2.57%	2.60%
Min Balance $2,500 Details Tier 4: balances of $50,000 or more; advertised APY applies to Tier 4 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Compass Money Market	-	2.45%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000-$49,999.99; Tier 3; Minimum balance to open $2,500; Interest rate not stated for this tier Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Compass Money Market	-	0.15%
Min Deposit $2,500 Min Balance $0 Details Balance: $0-$4,999.99; Tier 1; Minimum balance to open $2,500; Interest rate not stated for this tier Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Navigant Credit Union Business Money Market Rates

Product	Rate	APY
Quest Business Money Market Promo	1.34%	1.35%
Min Deposit $2,500 Min Balance $150,000 Details Balance: $150,000 or more; Offer available to business accounts only; Interest credited monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Quest Business Money Market Promo	0.44%	0.45%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000 to $149,999.99; Offer available to business accounts only; Interest credited monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Quest Business Money Market Promo	0.14%	0.15%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 to $74,999.99; Offer available to business accounts only; Interest credited monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Quest Business Money Market Promo	0.14%	0.14%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $24,999.99; Offer available to business accounts only; Interest credited monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Navigant Credit Union Checking Rates

Product	Rate	APY
Journey Rewards Checking	2.95%	3.00%
Min Balance $10 Details Qualifications Required; Balance: $10.00 - $20,000.00; Qualifying balance up to $20,000.00; Balances over $20,000 earn 0.249% on the excess; Without qualifications, 0.05% APY; ATM fees refunded up to $25 per statement cycle when requirements are met; Available to new and existing members Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 0.05% → 3.00% ▲ 2.95 pts · high 3.00% / low 0.05% Oct 13, 20263.00%▲ from 0.05% Sep 18, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Relationship Checking	0.14%	0.15%
Min Balance $10 Details Required minimum daily balance of $10.00 to earn APY Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Personal Checking	0.04%	0.05%
Details Apply Now Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Navigant Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	6.00%
Details Condition: First 12 Months. Intro rate expires: 12 months; Regular APR: Prime minus 0.50% if qualifications are met; Must open or have an active checking account with Navigant Credit Union; No application fee Last Updated 10/13/2026 Rate History 2 changes since Sep 18, 2026 · 6.25% → 6.00% ▼ 0.25 pts · high 6.50% / low 6.00% Sep 29, 20266.00%▼ from 6.50% Sep 22, 20266.50%▲ from 6.25% Sep 18, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Home Equity Loan - Fixed Equity	-	-	7.25%	5 Years
Details Maximum loan to value 80% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Home Equity Loan - Fixed Equity	-	-	7.38%	7 Years
Details Maximum loan to value 80% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.38% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Home Equity Loan - Fixed Equity	-	-	7.50%	10 Years
Details Maximum loan to value 80% Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Home Equity Loan - Fixed Equity	-	-	7.50%	15 Years
Details Maximum loan to value 80% Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Navigant Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.99%	Up to 66 Months
Details Model Year: NEW 2025-2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Auto Loan	-	-	6.24%	Up to 66 Months
Details Model Year: 2022-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Auto Loan	-	-	6.34%	Up to 75 Months
Details Model Year: NEW 2025-2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Auto Loan	-	-	6.59%	Up to 75 Months
Details Model Year: 2022-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Auto Loan	-	-	6.74%	Up to 66 Months
Details Model Year: 2019-2021 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Auto Loan	-	-	7.09%	Up to 75 Months
Details Model Year: 2019-2021 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Auto Loan	-	-	7.34%	Up to 84 Months
Details Model Year: NEW 2025-2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Auto Loan	-	-	7.59%	Up to 84 Months
Details Model Year: 2022-2023 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Auto Loan	-	-	7.74%	Up to 66 Months
Details Model Year: 2016-2018 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Auto Loan	-	-	8.74%	Up to 75 Months
Details Model Year: 2016-2018 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Auto Loan	-	-	8.74%	Up to 66 Months
Details Model Year: 2015 and Older Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Auto Loan	-	-	9.99%	Up to 75 Months
Details Model Year: 2015 and Older Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Navigant Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	10.24%	1 year
Details Amount: Up to $50,000; APR includes 0.25% auto-pay deduction from a Navigant Credit Union checking account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Personal Loans	10.74%	2 years
Details Amount: Up to $50,000; APR includes 0.25% auto-pay deduction from a Navigant Credit Union checking account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Personal Loans	11.24%	3 years
Details Amount: Up to $50,000; APR includes 0.25% auto-pay deduction from a Navigant Credit Union checking account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Personal Loans	11.74%	4 years
Details Amount: Up to $50,000; APR includes 0.25% auto-pay deduction from a Navigant Credit Union checking account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Personal Loans	12.24%	5 years
Details Amount: Up to $50,000; APR includes 0.25% auto-pay deduction from a Navigant Credit Union checking account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 12.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Navigant Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Home Improvement Loans	-	-	10.74%	Up to 15-year
Details As Low As Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Certificates of Deposit - 11 Months	4.17%	-	4.25%	11 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Certificates of Deposit - 12 Months	2.81%	-	2.85%	12 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Certificates of Deposit - 15 Months	3.93%	-	4.00%	15 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Oct 13, 20264.00%▲ from 3.85% Sep 22, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Certificates of Deposit - 18 Months	2.57%	-	2.60%	18 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Certificates of Deposit - 6 Months	2.81%	-	2.85%	6 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%
Certificates of Deposit - 9 Months	2.81%	-	2.85%	9 Months
Min Deposit $500 Last Updated 10/13/2026 Rate History No change since Sep 22, 2026 · 2.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Navigant Credit Union’s Texas Ratio stayed near 3.07% in Q3 2023 to 3.30% in Q2 2026, so its financial health has stayed very strong over the past 12 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	$4.3B	3.30%	5.0	A+
March 31, 2026	$4.2B	2.75%	5.0	A+
December 31, 2025	$4.1B	4.22%	5.0	A+
September 30, 2025	$4.1B	4.08%	5.0	A+
June 30, 2025	$4.0B	3.60%	5.0	A+
March 31, 2025	$4.0B	2.83%	5.0	A+
December 31, 2024	$3.9B	3.65%	5.0	A+
September 30, 2024	$3.9B	3.18%	5.0	A+
June 30, 2024	$3.8B	2.89%	5.0	A+
March 31, 2024	$3.7B	2.58%	5.0	A+
December 31, 2023	$3.8B	3.25%	5.0	A+
September 30, 2023	$3.6B	3.07%	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 Navigant Credit Union 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 Navigant Credit Union 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 Navigant Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Navigant Credit Union

Website https://www.navigantcu.org

Address 1005 Douglas Pike, Smithfield, RI 02917

Phone 401-233-4300

Fax

President Robert Murray

CEO Kathleen Orovitz

Full-Time Employees 413

Part-Time Employees 18

Branch Locations 26

ATM Locations 25

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.30%

Return on Assets (ROA)

0.3981%

Return on Equity (ROE)

4.0269%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

4,284,102,386

Total Amount of Shares and Deposits

3,597,757,175

Total Shares and Deposits < 1 Year

3,500,436,025

Total Shares and Deposits 1 3 Years

87,679,426

Total Shares and Deposits > 3 Years

9,641,724

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

595,906,545

Total Uninsured Shares and Deposits > $250K (F+J)

595,906,545

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,001,850,630

Total Interest Expense (Sum of items 6 8)

42,284,104

Share Certificates

21,551

Number of Accounts for Share Drafts

102,969

IRA KEOGH Accounts

6,105

Number of Accounts for Regular Shares

126,835

Money Market Shares

19,798

Net Income (unless the amount is already included in Undivided Earnings)

17,055,226

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)

69,031,427

Total Liabilities

3,859,966,226

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Navigant Credit Union 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.

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Frequently Asked Questions About Navigant Credit Union

How many branches does Navigant Credit Union operate?

Navigant Credit Union 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 Navigant Credit Union?

Yes, to access services at Navigant Credit Union, 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, Navigant Credit Union 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, Navigant Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Navigant Credit Union offer online and mobile banking?

Most modern institutions like Navigant Credit Union 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: https://www.navigantcu.org.