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Navigant Credit Union

Popular Accounts at this Credit Union

0.65%2-year CD2 Year CD
0.65%2-year IRA2 Year IRA (Traditional, Roth, CESA)
1.25%Reward CheckingJourne Rewards Checking

Overview / Commentary
1005 Douglas Pike
Smithfield, RI 02917

Navigant Credit Union is headquartered in Smithfield and is the 2nd largest credit union in the state of Rhode Island. It is also the 137th largest credit union in the nation. It was established in 1915 and as of December of 2015, it had grown to 230 employees and 66,729 members at 15 locations. Navigant Credit Union's money market rates are 70% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to residents of Rhode Island and nearby Connecticut and Massachusetts. (Membership requirements are listed in the credit union's online application)
See current membership details

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Reviews (3)

Personalized Mortgage Help

Posted by: LadySLBenz | Nov 1, 2014

I was an unusual case as far as obtaining a mortgage; disabled however some money in savings, banks would not talk to me about a home loan when they saw I had no income to speak of. Money in the bank meant nothing.

I had gone through a bad divorce, been given a property that at the time had zero equity, and that bank loan was transferred into my name. It was a multi family home, and I needed to down size to a single family after 5 years as the upkeep was too much for a single female. When I found my single family home, no banks would talk to me, I had no income, however I did get quite a bit of equity when I sold the multi family house. Working with a loan officer, he found Navigant Credit Union. Because they were small, and more personable, they were able to "listen" to what I had to offer, which was to prepay my mortgage for 4 years in return for them giving me a mortgage at the then current market percentage rate. They agreed, and I got my mortgage. They have also allowed me to refinance once, being that I had always paid my mortgage on time, and with a co-signer. Again, when I checked with numerous banks, no one would even talk to me. So the flexibility of this Credit Union was priceless. I had owned a home since I was 24 years old (I am now 61), and not being able to continue doing so, and knowing I could pay a mortgage even though I couldn't prove it, I owe much thanks to this Credit Union. Also, I only had to pay a small fee, I believe $50, to become a member. It was not a work related credit union.

I Didn't Even Want To Leave A Star

Posted by: jg1021 | Sep 18, 2012

I have been a customer for over a year now. I recently overdrafted my account by a few transactions most of which were $7 to $20 each. The credit union charegd me $31 each transaction totaling $310. When I called to question this since it was the first time it ever happened, they finally signed me up for overdraft protection linking it to my savings. I thought I had already had this, but I only had overdraft privilige. Don't know who's error that was since it was over a year ago now. When questioning the error, they would only revers two of the fee's unless I could speak with the person who opened my account. What's $62 out of $310. Not only that it took 3 business days to finally have a manager call me about this issue. I have talked to several people about this and they know that fee's at other banks are usually reversed if you have not had this happen in the past. Not to mention we don't know who's error it is that I did not have my accounts linked. I am now closing my accounts  

State Emergency

i do have 6 business account and one of them get overdraft yesterday not because I don't have money but because I drop my deposit into the night deposit and bank didn't open due to weather state emergency . When I see that I call customer service and I believe Lisa answer and was hopping to understand my situation she get upset after I explain it 2 times and close the line into my face yes this is exactly what happen today at 11:


Health Grade Components

NCUA #62882
Year Chartered1915
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD6.41%
Annual Interest Income$49.8MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$1.58B$1.51B
LoansQ4 2015vs Q4 2014$1.27B$1.15B
DepositsQ4 2015vs Q4 2014$1.22B$1.16B
Equity CapitalQ4 2015vs Q4 2014$181.2MM$169.2MM
Loan Loss AllowanceQ4 2015vs Q4 2014$6.2MM$6.3MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$8.0MM$9.4MM
Real Estate OwnedQ4 2015vs Q4 2014$1.2MM$539.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Navigant Credit Union Savings Account Rates

0.10%--Statement Savings

Navigant Credit Union Money Market Rates

0.75%*$150k*-Quest Business Money Market
OTHER TIERS: 0.10% Up to $25k | 0.35% $25k - $75k | 0.60% $75k - $150k
0.20%*$50k*-Relationship Money Market Account
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k
0.10%--Money Market

Navigant Credit Union Checking Account Rates

1.25%*-$20kJourne Rewards Checking
OTHER TIERS: 0.35% $20k+
0.15%--Relationship Checking
0.05%--Personal Checking

Navigant Credit Union CD Rates

1.25%$500-5 Year CD
1.00%$500-4 Year CD
0.75%$500-3 Year CD
0.65%$500-2 Year CD
0.65%$500-2.5 Year CD
0.45%$500-18 Month CD
0.40%$500-15 Month CD
0.35%$500-13 Month CD
0.25%$500-6 Month CD
0.25%$500-12 Month CD
0.25%$500-7 - 11 Month CD

Navigant Credit Union IRA Rates

1.25%$500-5 Year IRA
1.00%$500-4 Year IRA
0.75%$500-3 Year IRA
0.65%$500-2 Year IRA
0.65%$500-2.5 Year IRA
0.45%$500-18 Month IRA
0.40%$500-15 Month IRA
0.35%$500-13 Month IRA
0.25%$500-6 Month IRA
0.25%$500-12 Month IRA
0.25%$500-7 - 11 Month IRA

Navigant Credit Union has 15 locations. Click to view all Navigant Credit Union locations.