Rates

Auto Loan

TypeTermAPR
NEW 2025-2026Up to 66 Months5.49%Apply Now
Up to 75 Months5.84%Apply Now
Up to 84 Months6.84%Apply Now
2024-2026Up to 66 Months5.74%Apply Now
Up to 75 Months6.09%Apply Now
Up to 84 Months7.09%Apply Now
2022-2023Up to 66 Months6.24%Apply Now
Up to 75 Months6.59%Apply Now
Up to 84 Months7.59%Apply Now
2019-2021Up to 66 Months6.74%Apply Now
Up to 75 Months7.09%Apply Now
2016-2018Up to 66 Months7.74%Apply Now
Up to 75 Months8.74%Apply Now
2015 and OlderUp to 66 Months8.74%Apply Now
Up to 75 Months9.99%Apply Now

APR is Annual Percentage Rate. Rates effective as of today’s date dependent on term and credit history. Not all borrowers will qualify for the lowest rate. Rates advertised are the lowest rates available and include a 0.25% deduction for auto-pay from a Navigant Credit Union checking account. Interest rate and maximum loan term will be determined by individual creditworthiness. Rates are subject to change without notice.

Checking

TypeInterest RateAPY
Journey Rewards Checking2.95%3.00% Apply Now

Reward Rate APY paid on balances between $10 and $20,000.

APY is Annual Percentage Yield. 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 eligibility requirements are met, daily balances between $10-$20,000 will receive the advertised APY of 3.00%. An interest rate of .345% will be paid only on the portion of daily balances greater than $20,000. The APY for this tier will range from 0.97% to 3.00% depending on the balance in your account. If you do not meet all Journey Rewards Checking eligibility requirements for each monthly statement cycle, your account will still function as a Journey Rewards Checking account earning an APY of 0.05% on the entire balance of $10 or greater, and you will not receive ATM fee refunds 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.

TypeInterest RateAPY
Relationship Checking0.14%0.15%Apply Now

Required Minimum Daily Balance of $10.00 is required to earn APY.

APY is Annual Percentage Yield. Rates subject to change at any time without notice. Rate may change after account opening and fees may reduce account earnings. Aggregate balance requirement is calculated using an average daily balance.

TypeInterest RateAPY
Personal Checking0.04%0.05%Apply Now

Required Minimum Daily Balance of $10.00 is required to earn APY.

APY is Annual Percentage Yield. Rates subject to change at any time without notice. Rate may change after account opening, and fees may reduce account earnings.

Home Equity Loan

TypeTermAPR
Fixed Equity5 Years7.25%Apply Now
Fixed Equity7 Years7.38%Apply Now
Fixed Equity10 Years7.50%Apply Now
Fixed Equity15 Years7.50%Apply Now

APR is Annual Percentage Rate.  Maximum loan to value for above listed rates is 80%.  Rate will also be determined by individual credit worthiness.  Rates subject to change at any time without notice.  Rates are the lowest rates available.  Call for specific details.

For home equity loans: At 7.25% APR, 60 monthly payments of $20.54 per $1,000 borrowed. 
For home equity loans: At 7.38% APR, 84 monthly payments of $17.03 per $1,000 borrowed. 
For home equity loans: At 7.50% APR, 120 monthly payments of $11.95 per $1,000 borrowed. 
For home equity loans: At 7.50% APR, 180 monthly payments of $9.28 per $1,000 borrowed.

Home Equity Line of Credit

TypeTermAPR
Home Equity Line of CreditFirst 12
Months		6.50%After first 12 months, rate is prime minus 0.50% if qualifications are met*Apply Now

*Advertised Introductory Annual Percentage Rate (APR) of 6.50% is the lowest available and is fixed for the first 12 months. Offer based on individual credit worthiness. After initial 12 monthly billing cycles, rate automatically reverts to a variable rate of interest as low as Prime minus 0.50% as published in the Wall Street Journal 30 days before the date of any rate adjustment. As of 9/17/2025 Prime Rate was 7.25%. Interest rate and line amount determined by individual creditworthiness and subject to loan-to-value ratio of 80%. Offer limited to 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance if applicable) required. Offer and rate is subject to change at any time without notice. Other terms and restrictions may apply. APR will not exceed 21% in RI or the maximum rate permitted by applicable law, whichever is greater, with a minimum APR of 4.00%. Existing NCU home equity lines/loans are not eligible for refinance with this promotion. No application fee. 

Mortgage Loan Rates

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Personal Loan

TypeTermAPRAmount
Personal Loans1 year9.24%Up to $30,000Apply Now
Personal Loans2 years9.74%Up to $30,000Apply Now
Personal Loans3 years10.24%Up to $30,000Apply Now
Personal Loans4 years10.74%Up to $30,000Apply Now
Personal Loans5 years11.24%Up to $30,000Apply Now

For additional loan amounts, please call us at 401-233-4700.

APR is Annual Percentage Rate. Rates effective as of today’s date dependent on term and credit history. Not all borrowers will qualify for the lowest rate. Rates advertised are the lowest rates available and include a 0.25% deduction for auto-pay from a Navigant Credit Union checking account. Interest rate and maximum loan term will be determined by individual creditworthiness. Rates are subject to change without notice. For personal loans: At 9.24% APR, 12 monthly payments of $87.56 per $1,000 borrowed. For personal loans: At 9.74% APR, 24 monthly payments of $46.03 per $1,000 borrowed. For personal loans: At 10.24% APR, 36 monthly payments of $32.38 per $1,000 borrowed. For personal loans: At 10.74% APR, 48 monthly payments of $25.72 per $1,000 borrowed. For personal loans: At 11.24% APR, 60 monthly payments of $21.86 per $1,000 borrowed.

Home Improvement Loan

TypeAPR
Home Improvement Loans

  • As low as 10.74% APR
  • Up to 15-year term

Apply Now

APR is Annual Percentage Rate. Rates subject to change at any time without notice. Home Improvement Loan rates range from 10.74% to 12.74% APR. Rate advertised is the lowest rate available and include a 0.25% deduction for auto-pay from a Navigant Credit Union checking account. Interest rate and maximum loan term will be determined by individual creditworthiness. Rates are subject to change without notice. Payment example: A loan amount of $15,000 for 120 months has a payment range from $13.24/per $1,000 borrowed to $14.08/per $1,000 borrowed.

Cash Reserve Line of Credit

Type
Cash Reserve Line of CreditCash Reserve Line of Credit offers the flexibility to meet your financial needs. Borrow what you need and enjoy the security of knowing cash is available for those expected or unexpected expenses that come along.

  • Instant credit decision for line amounts up to $5,000
  • Competitive variable interest rate
  • Alternative to carrying costly credit card balances
  • No collateral required
  • No cash advance or balance transfer fees
  • Low annual fee of $15

Apply Now

APR is Annual Percentage Rate. Rates subject to change at any time without notice. Rate will be determined by individual credit worthiness. Call for details.

Share Savings

TypeInterest RateAPY
Statement Savings0.09%0.10%Apply Now

APY is Annual Percentage Yield. Your interest rate and APY may change after account is opened at any time without notice. Required Minimum Deposit Balance of $10.00 is required to earn APY.

Compass Money Market

TypeInterest RateAPY
$10,000 or more2.85%2.90%Apply Now

APY is Annual Percentage Yield. Minimum balance to open the account is $2,500. This is a tiered rate account. Tier 1 – balances between $0 – $4,999.99 will receive an APY of .15%; Tier 2 – balances between $5,000 – $9,999.99 will receive an APY of .15%; Tier 3 – balances of $10,000 or greater will receive an APY of 2.90%. You must maintain a minimum daily balance of $2,500.00 in your account to avoid a $10 low balance fee and to receive the disclosed APY. If during any monthly statement cycle your account balance falls below the required minimum daily balance, your account will be subject to a $10 low balance fee for that statement cycle. Fees may reduce earnings. Interest credited monthly.

Quest Business Money Market Promo

TypeInterest RateAPY
$0 to $24,999.990.14%0.14%
$25,000 to $74,999.990.14%0.15%
$75,000 to $149,999.990.44%0.45%
$150,000 or more1.34%1.35%

APY is Annual Percentage Yield. Offer available to business accounts only. Minimum balance to open the account is $2,500. This is a tiered rate account. Tier 1 – balances between $0 – $24,999.99 will receive an APY of .14%; Tier 2 – balances between $25,000 – $74,999.99 will receive an APY of .15%; Tier 3 – balances between $75,000 – $149,999.99 will receive an APY of .45%; Tier 4 – balances of $150,000 or greater will receive an APY of 1.35%. Fees may reduce earnings. Interest credited monthly. Federally insured by NCUA.

Certificates of Deposit

TypeInterest RateAPY
6 Months2.95%3.00%
9 Months2.95%3.00%
10 Months3.68%3.75%Apply Now
12 Months2.95%3.00%
15 Months3.45%3.50%Apply Now
18 Months2.71%2.75%
23 Months3.20%3.25%Apply Now
2 Years2.71%2.75%
2.5 Years2.71%2.75%
3 Years2.61%2.65%
4 Years2.47%2.50%
5 Years2.47%2.50%

APY is Annual Percentage Yield. A $500 minimum opening deposit is required to earn the advertised APY. Offer may be withdrawn at any time without notice. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Other rates and terms available. 

IRA

TypeInterest RateAPY
6 Months2.95%3.00%
9 Months2.95%3.00%
10 Months3.68%3.75%
12 Months2.95%3.00%
15 Months3.44%3.50%
18 Months2.71%2.75%
23 Months3.20%3.25%
2 Years2.71%2.75%
2.5 Years2.71%2.75%
3 Years2.61%2.65%
4 Years2.47%2.50%
5 Years2.47%2.50%

APY is Annual Percentage Yield. A $500 minimum opening deposit is required to earn the advertised APY. Offer may be withdrawn at any time without notice. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Other rates and terms available.

Boat Loan

Type
BoatCall for ratesContact Us

Motorcycle Loan

Type
MotorcycleCall for ratesApply Now

RV Loan

Type
RVCall for ratesContact Us

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ROUTING #211589828

NMLS# 462987

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