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.
| Type | Interest Rate | APY | |
|---|---|---|---|
| Journey Rewards Checking | 3.93% | 4.00% | 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 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.
| Type | Interest Rate | APY | |
|---|---|---|---|
| Relationship Checking | 0.14% | 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.
| Type | Interest Rate | APY | |
|---|---|---|---|
| Personal Checking | 0.04% | 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.
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.
| Type | Term | APR | ||
|---|---|---|---|---|
| Home Equity Line of Credit | First 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 11/12/2024 Prime Rate was 7.75%. 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.
For additional loan amounts, please call us at 401-233-4700.
| Type | APR | |
|---|---|---|
| Home Improvement Loans |
| Apply Now |
APR is Annual Percentage Rate. Rates subject to change at any time without notice. Home Improvement Loan rates range from 9.74% to 11.74% 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 $12.83/per $1,000 borrowed to $13.92/per $1,000 borrowed.
| Type | ||
|---|---|---|
| Cash Reserve Line of Credit | Cash 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.
| 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.
| Type | Interest Rate | APY | |
|---|---|---|---|
| Statement Savings | 0.09% | 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.
| Type | Interest Rate | APY | |
|---|---|---|---|
| $10,000 or more | 2.96% | 3.00% | 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 3.00%. 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.
| Type | Interest Rate | APY | |
|---|---|---|---|
| $0 to $9,999.99 | 0.09% | 0.10% | |
| $10,000 to $24,999.99 | 0.24% | 0.25% | |
| $25,000 to $74,999.99 | 0.49% | 0.50% | |
| $75,000 to $149,999.99 | 0.59% | 0.60% | |
| $150,000 or more | 1.48% | 1.50% |
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 – $9,999.99 will receive an APY of .10%; Tier 2 – balances between $10,000 – $24,999.99 will receive an APY of .25%; Tier 3 – balances between $25,000 – $74,999.99 will receive an APY of .50%; Tier 4 – balances between $75,000 – $149,999.99 will receive an APY of .60%; Tier 5 – balances of $150,000 or greater will receive an APY of 1.50%. Fees may reduce earnings. Interest credited monthly. Federally insured by NCUA.
| Type | Interest Rate | APY | |
|---|---|---|---|
| 6 Months | 3.45% | 3.50% | |
| 7 Months | 4.12% | 4.20% | Apply Now |
| 9 Months | 3.40% | 3.45% | |
| 12 Months | 3.35% | 3.40% | |
| 18 Months | 3.25% | 3.30% | |
| 2 Years | 3.15% | 3.20% | |
| 2.5 Years | 3.06% | 3.10% | |
| 3 Years | 2.96% | 3.00% | |
| 4 Years | 2.81% | 2.85% | |
| 5 Years | 2.72% | 2.75% |
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.
| Type | Interest Rate | APY | |
|---|---|---|---|
| 6 Months | 3.45% | 3.50% | |
| 7 Months | 4.12% | 4.20% | |
| 9 Months | 3.40% | 3.45% | |
| 12 Months | 3.35% | 3.40% | |
| 18 Months | 3.25% | 3.30% | |
| 2 Years | 3.15% | 3.20% | |
| 2.5 Years | 3.06% | 3.10% | |
| 3 Years | 2.96% | 3.00% | |
| 4 Years | 2.81% | 2.85% | |
| 5 Years | 2.72% | 2.75% |
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.
| Type | ||
|---|---|---|
| Boat | Call for rates | Contact Us |
| Type | ||
|---|---|---|
| Motorcycle | Call for rates | Apply Now |
| Type | ||
|---|---|---|
| RV | Call for rates | Contact Us |
Our ATMs will be under system maintenance on Sunday, December 8th from 7:00am – 12:00pm, and may be temporarily unavailable. We apologize for the inconvenience.
