Written by Katie Ziraldo | Edited by Ali Cybulski | Updated on 05/12/2025
Founded in 1915, Navigant Credit Union is the largest and longest-operating credit union in Rhode Island, with 26 branch locations spread across the state. The credit union participates in the Rhode Island Credit Union ATM Connection, which allows customers to take advantage of nearly 80 fee-free ATMs.
Navigant Credit Union offers a wide range of financial products and services, including checking and savings accounts, money market accounts, certificates of deposit (CDs) and individual retirement accounts (IRAs). The Smithfield, Rhode Island-based institution also has multiple loans and both personal and business credit card options.
- Checking accounts: Customers can choose between multiple checking accounts, such as fee-free digital accounts for students and accounts for customers who do a lot of check writing. The high-yield Journey Rewards Checking allows you to earn a high rate of return on your everyday spending money. This rewards checking account also reimburses ATM fees up to $25 per month.
- Savings accounts: Keep a minimum balance of $10 in your account to start earning interest with Navigant Credit Union’s Statement Savings. Interest is compounded and paid monthly. Quarterly or monthly statements are available; enrollment is required to receive electronic statements.
- CDs: Certificates of deposit (CDs) have terms from six months to five years. Regardless of the term, a minimum deposit of $500 is required to open the account. Transfer your interest to your savings or checking account each month.
Customer service:
Live support is available by chat five days a week or by phone six days a week. Call 401-233-4700 from 8 a.m. to 5 p.m. Eastern time Monday, Tuesday and Wednesday; from 8:30 a.m. to 5 p.m. ET Wednesday; from 8 a.m. to 7 p.m. ET Friday; and from 8:30 a.m. to noon Saturday. Access the chat from 8 a.m. to 5 p.m. ET Monday through Friday at the Navigant Credit Union website under the Contact Us tab.The credit union also has a mobile app for Apple and Android users.
PROS
• Multiple checking account options, including a high-yield account
• Nearly 80 in-network ATMs across Rhode Island
• Digital-focused teen account with no fees
CONS
• Limited branches based only in Rhode Island
• Live phone support unavailable on Sundays
• Money market account requires a high balance for the best rates
Field of Membership Restrictions
Membership in Navigant Credit Union is open to those who live in state of Rhode Island or select areas of Connecticut and Massachusetts. (Membership requirements are listed in the credit union's online application)
See current membership details
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 62882 |
| Year Chartered | 1915 |
| Employees | 411 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.32% |
| Return on Equity - YTD | 3.31% |
| Annual Interest Income | $48.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $3.97B$3.75B |
| Loans | Q1 2025vs Q1 2024 | $3.46B$3.18B |
| Deposits | Q1 2025vs Q1 2024 | $3.46B$3.29B |
| Equity Capital | Q1 2025vs Q1 2024 | $381.9MM$354.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $19.1MM$16.6MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $11.5MM$10MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |
