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Navigator Credit Union

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Navigator Credit Union Rates & Review November 2026

Q: What are the current interest rates at Navigator Credit Union?

Current rates for Navigator Credit Union include: 12-Month CD: 0.70%, 18-Month CD: 0.80%, 24-Month CD: 0.85%, 60-Month CD: 1.35%, Savings: 0.70%, MMA: 3.25%

Q: What CD terms does Navigator Credit Union offer?

Navigator Credit Union CD rates are 0.70% APY for a 12 month CD, 0.80% APY for an 18 month CD, 0.90% APY for a 2 year CD, 0.95% APY for a 30 month CD, 1.00% APY for a 3 year CD, 1.15% APY for a 4 year CD and 1.40% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Navigator Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Navigator Credit Union's CD - 60 Month rates are at 1.40%, CD - 48 Month rates are at 1.15%, CD - 36 Month rates are at 1.00%, CD - 30 Month rates are at 0.95%, CD - 24 Month rates are at 0.90%. Navigator Credit Union's savings rates are at 0.70%. Navigator Credit Union's money market rates are at 3.25%. Navigator Credit Union's checking rates are as high as 3.25%. Navigator Credit Union's Personal Loan Rates are as low as 10.99%. Navigator Credit Union's Credit Card Rates are at 10.90%. Navigator Credit Union's CD rates are 68% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 1.33%. Rates last updated and verified on 10/30/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.33%

Excellent Lower than avg

Health Trend

Improving 11 quarters

Full history ›

Navigator Credit Union
Moss Point Branch

6012 Highway 63
Moss Point, MS 39563

http://www.navigatorcu.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.

Navigator Credit Union CD Rates

Product	Rate	APY	Term
Jumbo IRA Certificates & Over - 60 Month	1.539%	1.55%	60 Month
Min Balance $100,000 Details $100,000.00; Balance: $100,000.00 & Over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificates - 60 Month	1.49%	1.50%	60 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificate - 60 Month	1.44%	1.45%	60 Month
Details Balance: $25,000.00 or Less Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $100,000 Details $100,000.00; Minimum balance $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 60 Month	1.391%	1.40%	60 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 60 Month	1.342%	1.35%	60 Month
Details Balance: $25,000.00 or less Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $100,000 Details $100,000.00; Balance: $100,000.00 & Over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificates - 48 Month	1.243%	1.25%	48 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificate - 48 Month	1.193%	1.20%	48 Month
Details Balance: $25,000.00 or Less Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $100,000 Details $100,000.00; Minimum balance $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.20% APY · checked 3 times 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
Min Balance $100,000 Details $100,000.00; Balance: $100,000.00 & Over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 48 Month	1.144%	1.15%	48 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.15% 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
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $100,000 Details $100,000.00; Balance: $100,000.00 & Over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 48 Month	1.094%	1.10%	48 Month
Details Balance: $25,000.00 or less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificate - 36 Month	1.045%	1.05%	36 Month
Details Balance: $25,000.00 or Less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificates - 30 Month	1.045%	1.05%	30 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $100,000 Details $100,000.00; Balance: $100,000.00 & Over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.05% APY · checked 3 times 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
Min Balance $100,000 Details $100,000.00; Minimum balance $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificate - 30 Month	0.995%	1.00%	30 Month
Details Balance: $25,000.00 or Less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificates - 24 Month	0.995%	1.00%	24 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $100,000 Details $100,000.00; Balance: $100,000.00 & Over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times 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
Min Balance $100,000 Details $100,000.00; Minimum balance $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 36 Month	0.995%	1.00%	36 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificate - 24 Month	0.946%	0.95%	24 Month
Details Balance: $25,000.00 or Less Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $100,000 Details $100,000.00; Minimum balance $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 30 Month	0.946%	0.95%	30 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 36 Month	0.946%	0.95%	36 Month
Details Balance: $25,000.00 or less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificate - 18 Month	0.896%	0.90%	18 Month
Details Balance: $25,000.00 or Less Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $100,000 Details $100,000.00; Balance: $100,000.00 & Over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.90% APY · checked 3 times 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
Min Balance $100,000 Details $100,000.00; Minimum balance $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 24 Month	0.896%	0.90%	24 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 30 Month	0.896%	0.90%	30 Month
Details Balance: $25,000.00 or less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.90% 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
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 18 Month	0.847%	0.85%	18 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 24 Month	0.847%	0.85%	24 Month
Details Balance: $25,000.00 or less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificate - 12 Month	0.797%	0.80%	12 Month
Details Balance: $25,000.00 or Less Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $100,000 Details $100,000.00; Minimum balance $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 18 Month	0.797%	0.80%	18 Month
Details Balance: $25,000.00 or less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 12 Month	0.747%	0.75%	12 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 12 Month	0.698%	0.70%	12 Month
Details Balance: $25,000.00 or less Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $100,000 Details $100,000.00; Balance: $100,000.00 & Over Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.60% APY · checked 3 times 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
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.58% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRA Certificate - 6 Month 1st Nvestor	0.549%	0.55%	6 Month
Details Balance: $25,000.00 or Less Last Updated 10/30/2026 Rate History No change since Oct 19, 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
Min Balance $100,000 Details $100,000.00; Minimum balance $100,000.00 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 6 Month 1st Nvestor	0.474%	0.475%	6 Month
Min Balance $25,000 Details Balance: $25,000.01 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.48% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Share Certificate - 6 Month 1st Nvestor	0.449%	0.45%	6 Month
Details Balance: $25,000.00 or less Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Navigator Credit Union Savings Rates

Product	Rate	APY
Premium Savings Money Market	0.698%	0.70%
Min Balance $100,000 Details Balance: $100,000.01 & above Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.70% APY · checked 7 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 Details Balance: $50,000.01 - $100,000 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.60% APY · checked 7 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 Details Balance: $25,000.01 - $50,000 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 7 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 Details Balance: $10,000.01 - $25,000 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Christmas Savings	0.40%	0.40%
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 7 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 Details Balance: $2,500 - $10,000 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Primary Savings	0.15%	0.15%
Min Balance $0 Details Regular Savings; Balance: $0.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Primary Savings	0.15%	0.15%
Min Balance $10,000 Details Regular Savings; Balance: $10,000 - $25,000 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Primary Savings	0.15%	0.15%
Min Balance $25,000 Details Regular Savings; Balance: $25,000.01 - $50,000 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Primary Savings	0.15%	0.15%
Min Balance $50,000 Details Regular Savings; Balance: $50,000.01 - $100,000 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Primary Savings	0.15%	0.15%
Min Balance $100,000 Details Regular Savings; Balance: $100,000.01 and above Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Navigator Credit Union Money Market Rates

Product	Rate	APY
Prime Money Market	3.198%	3.25%
Min Balance $10,000 Details Balance: $10,000.00 & above; Variable: Prime-3.75%; (Additional requirements apply.) Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 3.25% APY · checked 7 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 Details Balance: $100,000.01 & above Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.70% APY · checked 7 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 Details Balance: $50,000.01 - $100,000 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.60% APY · checked 7 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 Details Balance: $25,000.01 - $50,000 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 7 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 Details Balance: $10,000.01 - $25,000 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.45% APY · checked 7 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 Details Balance: $2,500 - $10,000 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Prime Money Market	0.15%	0.15%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Navigator Credit Union Business Money Market Rates

Product	Rate	APY
Commercial Money Market	2.472%	2.50%
Min Balance $500,000 Details Balance: $500,000 and above Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 7 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 Details Balance: $100,000 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 7 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 Details Balance: $10,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Commercial Money Market	0.15%	0.15%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Navigator Credit Union Checking Rates

Product	Rate	APY
High Yield Checking	3.198%	3.25%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Variable: Prime - 3.75% Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
High Yield Checking	0.00%	0.00%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
High Yield Checking	0.00%	0.00%
Min Balance $10,000 Details Balance: $10,000 & above Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Navigator Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - New Auto (Current and prior year)	-	-	4.24%	36 months
Details As Low As; New & Used: New; Model Year: Current and prior year Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Auto Loan - Used Auto (2-6 Model Year)	-	-	4.99%	36 months
Details As Low As; New & Used: Used; Model Year: 2-6 Model Year Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Auto Loan - Older Used Auto (7-14 Model Year)	-	-	6.24%	36 months
Details As Low As; New & Used: Used; Model Year: 7-14 Model Year Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Navigator Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat Loan	-	6.99%
Details As Low As; New & Used; Rates based on length of loan term and applicant's credit history Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
RV Loan	-	6.99%
Details As Low As; New & Used; Rates effective 06/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
ATV Loan	-	7.49%
Details As Low As; New & Used; Rates effective 06/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 7.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Navigator Credit Union Credit Card Rates

Product	Rate	APR
Credit Cards	-	10.90%
Details As Low As; Rates effective 06/01/2026 Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 10.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Secured Credit Cards	-	12.90%
Details As Low As; APR; Rates effective 06/01/2026; based on length of loan term and applicant's credit history Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 12.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Navigator Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	10.99%
Details As Low As; New & Used; All loan rates are quoted as the as low as annual percentage rate (APR) and are based on length of loan term and on applicant's credit history. Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 10.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

Navigator Credit Union Other Rates

Product	Rate	Points	APY/APR
Lines of Credit Loan	-	-	12.49%
Details As Low As; New & Used; Rates are as low as APR based on length of loan term and applicant's credit history Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 12.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Extended Insurance Account	2.959%	-	3.00%
Min Balance $250,000 Details Balance: $250,000 - $15,000,000; Rates effective 09/30/2026 Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRAs	0.499%	-	0.50%
Min Balance $0 Details Balance: $0.00 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRAs	0.499%	-	0.50%
Min Balance $10,000 Details Balance: $10,000 - $25,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRAs	0.499%	-	0.50%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000 Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
IRAs	0.499%	-	0.50%
Min Balance $100,000 Details Balance: $100,000.01 & above Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Save'N Up	2.96%	-	3.00%
Details Dividend Rate 2.96%; APY 3.00% Last Updated 10/30/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

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

Navigator Credit Union’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 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 http://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 143

Part-Time Employees 3

Branch Locations 13

ATM Locations 11

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.33%

Return on Assets (ROA)

0.8274%

Return on Equity (ROE)

4.6021%

Non-Performing Loans Ratio (NPL)

0.38%

Total Assets

406,698,190

Total Amount of Shares and Deposits

327,655,201

Total Shares and Deposits < 1 Year

321,485,542

Total Shares and Deposits 1 3 Years

2,566,125

Total Shares and Deposits > 3 Years

3,603,533

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

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

2026 MBR Health & Safety Badge

Navigator Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Navigator Credit Union

Does Navigator Credit Union offer CDs?

Yes. Navigator Credit Union current CD rates include its CD - 60 Month at 1.40% APY, its CD - 48 Month at 1.15% APY and its CD - 36 Month at 1.00% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Navigator Credit Union NCUA insured?

Yes. Navigator Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Navigator Credit Union?

The highest Navigator Credit Union CD rate is its Jumbo IRA CDs & Over - 60 Month at 1.55% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Navigator Credit Union offer?

Navigator Credit Union CD rates are 0.70% APY for a 12 month CD, 0.80% APY for an 18 month CD, 0.90% APY for a 2 year CD, 0.95% APY for a 30 month CD, 1.00% APY for a 3 year CD, 1.15% APY for a 4 year CD and 1.40% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Navigator Credit Union for its full lineup.

What is the highest savings rate at Navigator Credit Union?

The highest Navigator Credit Union savings rate is its Christmas Savings at 0.40% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Navigator Credit Union?

The highest Navigator Credit Union money market rate is its Prime Money Market at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Navigator Credit Union?

The highest Navigator Credit Union checking rate is its High Yield Checking at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Navigator Credit Union?

The lowest Navigator Credit Union auto loan rate is its Auto Loan - New Auto (Current and prior year) at 4.24% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Navigator Credit Union?

The lowest Navigator Credit Union personal loan rate is its Personal Loan at 10.99% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Navigator Credit Union?

The lowest Navigator Credit Union credit card APR is its Credit Cards at 10.90% APR, verified by MonitorBankRates as of October 30, 2026.

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: http://www.navigatorcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Navigator Credit Union rates compare?

Navigator Credit Union's CD rates are 68% lower than the MonitorBankRates national average, and it has an A+ health rating. Navigator Credit Union's top rates are its Jumbo IRA CDs & Over - 60 Month at 1.55% APY, its Premium Savings Money Market at 0.70% APY, its Prime Money Market at 3.25% APY, its High Yield Checking at 3.25% APY, its Personal Loan at 10.99% APR and its Credit Cards at 10.90% APR, verified by MonitorBankRates on October 30, 2026.

Current Navigator Credit Union 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.

Compare to Other Credit Unions

Navigator Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Navigator Credit Union Texas Ratio

Navigator Credit Union Health Trend

Navigator Credit Union CD Rates

Navigator Credit Union Savings Rates

Navigator Credit Union Money Market Rates

Navigator Credit Union Business Money Market Rates

Navigator Credit Union Checking Rates

Navigator Credit Union Auto Loan Rates

Navigator Credit Union RV, Boat and Powersport Loan Rates

Navigator Credit Union Credit Card Rates

Navigator Credit Union Personal Loan Rates

Navigator Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Navigator Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Navigator Credit Union

Does Navigator Credit Union offer CDs?

Are CDs from Navigator Credit Union NCUA insured?

What is the highest CD rate at Navigator Credit Union?

What CD terms does Navigator Credit Union offer?

What is the highest savings rate at Navigator Credit Union?

What is the highest money market rate at Navigator Credit Union?

What is the highest checking rate at Navigator Credit Union?

What is the lowest auto loan rate at Navigator Credit Union?

What is the lowest personal loan rate at Navigator Credit Union?

What is the lowest credit card APR at Navigator Credit Union?

How many branches does Navigator Credit Union operate?

Is a member application needed to join Navigator Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Navigator Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Navigator Credit Union rates compare?

Current Navigator Credit Union Rates

Compare to Other Credit Unions