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NAVIGATOR Rates & Review March 2026

Q: Is NAVIGATOR a safe place to deposit money?

Yes, NAVIGATOR is considered a safe financial institution. With a Texas Ratio of 2.441578921953%, 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.

Q: 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 30, 2026

You can compare NAVIGATOR rates to other rates in our database, including 12-month share certificate rates currently at 3.44%, 6-month share certificate rates at 3.60% and 3-month share certificate rates at 3.80%. Savings rates are at 0.05% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 5.84%. All these rates can be compared to NAVIGATOR rates. MonitorBankRates evaluates the financial stability of NAVIGATOR with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.44%. Rates were last updated on 03/30/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.44%

Excellent Lower than avg

NAVIGATOR
Moss Point Branch

6012 Highway 63
Moss Point, MS 39563

http://www.navigatorcu.org

Current Rate Availability

We do not have NAVIGATOR rates right now, but we are constantly updating our database so check back often for updated rates.

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.

Credit Union Profile & Overview

Credit Union Name NAVIGATOR

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 139

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

2.44%

Return on Assets (ROA)

1.5359%

Return on Equity (ROE)

8.8822%

Non-Performing Loans Ratio (NPL)

0.58%

Total Assets

384,196,799

Total Amount of Shares and Deposits

311,504,055

Total Shares and Deposits < 1 Year

304,289,602

Total Shares and Deposits 1 3 Years

5,550,189

Total Shares and Deposits > 3 Years

1,664,264

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

10,247,888

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

10,247,888

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

301,256,167

Total Interest Expense (Sum of items 6 8)

1,502,855

Share Certificates

1,553

Number of Accounts for Share Drafts

39,111

IRA KEOGH Accounts

1,052

Number of Accounts for Regular Shares

105,894

All other shares

5,704

Money Market Shares

685

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

5,900,730

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

31,316,986

Total Liabilities

317,800,260

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for NAVIGATOR yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About NAVIGATOR

Is NAVIGATOR a safe place to deposit money?

Yes, NAVIGATOR is considered a safe financial institution. With a Texas Ratio of 2.441578921953%, 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 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.