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iAdvertiser Disclosure
Advertiser Disclosure
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 Navigator Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: April 8, 2026
Navigator Credit Union's 13 Month CD Special rates are at 4.02%, 13-Month CD Promotion rates are at 4.02%, IRA CDs 13-Month CD Promotion rates are at 4.02%, Jumbo IRA CDs 13-Month CD Promotion rates are at 4.02%, Jumbo CDs 13-Month CD Promotion rates are at 4.02%. Navigator Credit Union's savings rates are at 0.15%. Navigator Credit Union's money market rates are at 0.15%. Navigator Credit Union's Personal Loan Rates are at 10.99%. MonitorBankRates evaluates the financial stability of Navigator Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.50%. Rates were last updated on 04/08/2026. Navigator 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 Navigator Credit Union? Share your experience about Navigator Credit Union by leaving a review below, or read customer reviews before you decide to use Navigator Credit Union. Navigator Credit Union
Moss Point Branch 6012 Highway 63
https://www.navigatorcu.org Moss Point, MS 39563 
Navigator Credit Union CD Rates
Navigator Credit Union Savings Rates
Navigator Credit Union Money Market Rates
Navigator Credit Union Checking Rates
Navigator Credit Union Auto Loan Rates
Navigator Credit Union Credit Card Rates
Navigator Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Navigator 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 Navigator 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 Navigator Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Navigator Credit Union
Website
https://www.navigatorcu.org
Address
6012 Highway 63,
Moss Point, MS 39563
Phone
228-475-7300
Fax
President
Tommy Leonard
CEO
Sonya Lawler
Full-Time Employees
139
Part-Time Employees
1
Branch Locations
13
ATM Locations
12
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.50%
Return on Assets (ROA)
1.3170%
Return on Equity (ROE)
8.7420%
Non-Performing Loans Ratio (NPL)
0.57%
Total Assets
385,983,636
Total Amount of Shares and Deposits
322,507,255
Total Shares and Deposits < 1 Year
292,562,398
Total Shares and Deposits 1 3 Years
25,842,684
Total Shares and Deposits > 3 Years
4,102,173
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,855,661
Total Uninsured Shares and Deposits > $250K (F+J)
11,855,661
Total Insured Shares and Deposits > $250K (item 17 less item K)
310,651,594
Total Interest Expense (Sum of items 6 8)
1,010,489
Share Certificates
2,188
Number of Accounts for Share Drafts
37,433
IRA KEOGH Accounts
1,227
Number of Accounts for Regular Shares
101,760
All other shares
5,448
Money Market Shares
570
Net Income (unless the amount is already included in Undivided Earnings)
5,083,463
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
37,848,465
Total Liabilities
327,812,567
Source: NCUA — Last Updated 09/30/2023
Frequently Asked Questions About Navigator Credit UnionIs Navigator Credit Union a safe place to deposit money?Yes, Navigator Credit Union is considered a safe financial institution. With a Texas Ratio of 2.4959431559981%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Navigator Credit Union operate?Navigator 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 Navigator Credit Union?Yes, to access services at Navigator 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, Navigator 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, Navigator Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Navigator Credit Union offer online and mobile banking?Most modern institutions like Navigator 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.navigatorcu.org. Current Navigator Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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