Open an account that goes beyond the everyday.

Discover the accounts that fit your financial goals

Checking Accounts

Journey Rewards Checking

Earn interest & ATM fee refunds nationwide

To make your life a little more rewarding, we offer you the opportunity to earn 4.50% 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 04/17/2023. You must maintain a minimum daily balance of $10.00 in your account to obtain the disclosed APY. Also, you must meet the additional three eligibility requirements to receive the full Journey Rewards Checking benefits: (1) 12 debit card purchases must post and settle each monthly qualification cycle; (2) have one direct deposit or automatic payment post and settle each monthly qualification cycle; and (3) access online banking and enroll to receive electronic statements. ATM fee refunds nationwide up to $25 per monthly qualification cycle. ATM-processed transactions do not count towards qualifying debit card purchases.  If all Journey Rewards Checking eligibility requirements are met, balances between $10-$20,000 receive an APY of 4.50% while balances over $20,000 receive an APY of .35%. If you do not meet all Journey Rewards Checking eligibility requirements each monthly statement 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. 

Personal Checking

Goodbye low-balance fees; hello, savings

Let’s face it, nobody likes low-balance fees. We don’t blame you. That’s why with our Personal Checking, we help you avoid those pesky $10.00 low-balance fees when you meet one of the following criteria:
  • Enroll in monthly Direct Deposit
  • The primary owner is 50 years of age or over
  • Able to maintain a minimum daily balance of $500

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.

Relationship Checking

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. 

  • Enroll to receive Electronic Statements
  • Interest paid monthly and compounded monthly
Another incentive to make you feel special, we will waive the fee on official checks and money orders. Talk about a win-win relationship.

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.

New Beginnings Checking

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 and Savings accounts each require only $10.00 to open, and comes with an ATM card for convenient 24-hour access.

New Beginnings Checking

  • $10.00 monthly maintenance fee with Direct Deposit ($13.00 w/o Direct Deposit)

Free Services

  • Online Banking
  • Mobile Banking
  • Mobile Deposit
  • Online Bill Pay
  • Electronic Statements

Fees may reduce earnings.

Embark Account

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:

  • Money Management
  • Round-up to Savings Account
  • Card Controls
  • Mobile Deposit
  • Mobile Alerts

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.

Savings Accounts

Statement Savings

Earn interest & save money

  • Earn monthly interest with $10 minimum balance
  • Free on-site ATM access without any service charge
  • Add Payroll Savings Direct Deposit onto any of your savings accounts. Set it and forget it.
  • Quarterly or monthly statements available
  • Interest paid monthly and compounded monthly
  • Enroll to receive Electronic Statements

Statement accounts only. Fees could reduce earnings.

Kickstart Savings

It is never too early to kickstart financial growth

  • Available to children 12 years of age and younger
  • Perfect account to save birthday money or deposit allowances
  • Plus, Navigant Credit Union will credit your account $5.00 every birthday until you are 12!

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.

Money Markets Accounts

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.

  • Quarterly or Monthly Statements available
  • Interest is compounded daily and credited monthly
  • Enroll to receive Electronic Statements

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.

Relationship Money Market

Make your investment go further

Our Money Market Account earns you interest without tying it up in a long-term investment. Keep a $5,000 minimum balance to earn our tiered interest rate each month and see how easy it is to make your savings grow. Add Payroll Savings Direct Deposit onto any of your savings accounts. Set it and forget it.
  • Monthly Electronic Statements available
  • Interest is compounded daily and credited monthly

Fees may reduce earnings.

Certificates of Deposit

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.

  • Interest is compounded monthly and credited monthly
  • Early Withdrawal Penalties may be imposed before maturity
  • Enroll to receive Electronic Statements

Available terms ranging from 6 months to 5 years.

IRAs

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.

Club Accounts

Christmas Club

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. 

Add Payroll Savings Direct Deposit onto any of your savings accounts. Set it and forget it.
Vacation Club

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. 

Add Payroll Savings Direct Deposit onto any of your savings accounts. Set it and forget it.
Personalized ATM Visa/Debit Card

ATM Visa/Debit Card: Convenience in your pocket.

Our ATM/Visa Debit Card takes away the need to always have cash on hand and gives you the convenience of being able to skip the check writing when you make a purchase. Funds are withdrawn directly from your assigned checking account.


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