Earn interest & ATM fee refunds nationwide
To make your life a little more rewarding, we offer you the opportunity to earn 4.00% APY* on balances up to $20,000, plus refunds on ATMs used nationwide. To qualify for Journey Rewards Checking, our premier account, fulfill these three simple criteria:
1. Enroll to receive Electronic Statements
2. Make one Direct Deposit or automatic payment per qualification cycle
3. Make 12 debit-card purchases per qualification cycle
*APY is Annual Percentage Yield and is accurate as of 09/03/2024. You must maintain a minimum daily balance of $10.00 in your account to obtain the disclosed APY. Also, you must meet each of the following eligibility requirements to receive the full Journey Rewards Checking account benefits: (1) Minimum of 12 debit card transactions must post and settle each monthly qualification cycle; (2) have one direct deposit OR one ACH debit or credit post and settle each monthly qualification cycle; and (3) access online banking and sign up to receive electronic statements. ATM fee refunds nationwide up to $25.00 per monthly qualification cycle. ATM-processed transactions do not count towards qualifying debit card purchases. If all Journey Rewards Checking account eligibility requirements are met, balances between $10.00-$20,000.00 receive an APY of 4.00% while balances over $20,000.00 receive an APY of .35%. If you do not meet all Journey Rewards Checking account eligibility requirements each monthly qualification cycle, your account will still function as a Journey Rewards Checking account earning an APY of .05%, and you will not receive ATM fee refunds nationwide for that time period. Rate is subject to change at any time after account opening. Fees may reduce earnings. For existing and new members when a new Journey Rewards Checking account is opened.
Goodbye low-balance fees; hello, savings
Enroll to receive Electronic Statements
With Personal Checking you get interest paid on your account(s) that have a $10.00 minimum daily balance.
Call our Contact Center at 401.233.4700 for more information. Fees may reduce earnings. If condition is not met, a $10 monthly low balance fee will apply.
Get in on something good with better rates and extra perks
Our Relationship Checking takes things to the next level, by offering unlimited check writing and the ability to order 1 box of checks for free once per calendar year. Plus, the $12.00 low-balance fee is waived when the primary owner maintains a combined aggregate minimum daily balance across all accounts of $5,000.
Call our Contact Center at 401-233-4700 for more information. Fees may reduce earnings. Aggregate balance requirement is calculated using an average daily balance.
Give yourself a second chance or a fresh start
Whether this is your first account or you’re starting over again financially, we provide the freedom to make purchases without extra fees and a secure place to save your money. New Beginnings Checking accounts come with a debit card, and New Beginnings Savings accounts come with an ATM card. Both require only $10.00 to open. New Beginnings Checking accounts require a small monthly maintenance fee and can be reduced by enrolling in Direct Deposit.
New Beginnings Checking
Free Services
Fees may reduce earnings.
Music to students’ ears . . . no fees!
A digital-focused account intended for 13-22 year olds. Open this account with just $10, and enjoy no fees.
Features include:
Fees may apply to out-of-network ATMs. Primary account holders 13-17 years old require a parent or guardian as a joint owner on the account and requires original birth certificate. When the primary account holder turns 22 years old, the account will automatically convert to a Journey Rewards Checking account or an equivalent account type offered at that time. Bill Payment, Pay a Person and Electronic Funds Transfer only available for members 18 years of age and older. Free Mobile and Text Banking (excluding any and all message and data rates imposed by your wireless service provider telecommunications when using mobile and text banking services.) This account will not be eligible for overdraft privilege. There are no Insufficient Funds (Returned or Paid), or Uncollected Funds fees.
Earn interest & save money
Statement accounts only. Fees could reduce earnings.
It is never too early to kickstart financial growth
To open an account, please call us at 401-233-4700 or visit any of our branch locations.
*Primary account owner cannot be 13 years old or older to be eligible for this account and will require a parent or legal guardian to be named on the account as a joint owner. Once primary account owner turns 13 years of age, this Kick Start Savings account will convert to a Statement Share Account, or an equivalent account type offered at that time. Primary account owner will receive a $5.00 credit annually to their Kick Start Savings account by the end of their birthday month if the account is open and in good standing, with the last credit on their 12th birthday. Federally insured by NCUA.
Make your money grow faster
Our Money Market Account earns you interest without tying it up in a long-term investment. Simply keep a $2,500 minimum daily balance to earn a premium interest rate each month and see how easy it is to make your savings grow. Add Payroll Savings Direct Deposit onto any of your money market accounts. Set it and forget it.
APY is Annual Percentage Yield. Rates subject to change at any time without notice. $2,500 minimum balance to open an account. Fees may apply.
Make your investment go further
Fees may reduce earnings.
Security and growth. Who could ask for more?
If you want to grow your savings and can afford not to touch your money for a while, our CDs are a great choice. Simply maintain at least a $500 balance and watch your interest compound monthly. You can even transfer your interest to your savings or checking account each month.
Available terms ranging from 6 months to 5 years.
A fee-free way to save for your future
Opening your Traditional, ROTH, or Coverdell Education IRA could be the most significant financial decision you make this year. With an opening deposit as low as $500.00 your money will grow while being protected.
You’ll have a financial plan in place that will enable you to enjoy an attractive lifestyle when you retire. To get started, call our Contact Center at 401-233-4700 and speak to one of our experienced member service representatives.
The best gift you can give yourself
The holidays can sneak up on you and bring gift-giving stress with it. So, have a plan in place and open your Christmas Club account today. You’ll not only get a gift from us in December, you’ll have the peace of mind that comes from knowing you have the money you need to wrap up Christmas with a giant red bow.
Pack your bags; leave the stress
Work hard, play hard. If that’s your motto, it’s never too early to start planning your next getaway. Open a Vacation Club account, put a little money in each week, and soon a lounge chair, sandy beach and amazing sunrise will be on the horizon.
We are aware of an increase in members receiving spoofing calls claiming to be from Navigant Credit Union. We will never ask you for passwords or sensitive information over the phone.
Online & Mobile Banking will be unavailable on Saturday, November 16 from 8:00pm – Sunday, November 17 5:00am due to system maintenance. We apologize for the inconvenience.
