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Navigant Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.65%2-year CD2 Year CD (New Money Only)
0.65%2-year IRA2 Year IRA (Traditional, Roth, CESA)
1.25%Reward CheckingJourne Rewards Checking

Overview / Commentary
401-233-4700
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 127th largest credit union in the nation. It was established in 1915 and as of December of 2017, it had grown to 290 employees and 82,690 members at 18 locations. Navigant Credit Union has an A+ health rating.

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)
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Reviews (7)

My local Credit Union is wonderful

In 2012 Navigant Credit Union agreed to a merger agreement to purchase Columbus Credit Union of nearby Warren, R.I. The merger went quite smooth and I had no interruption of service for my savings, or checking account. I am retired and I have my Social Security and Pension automatically deposited into my checking account. I love the local contact with the people that work at the Credit Union. In August 2018 I was able to purchase a new car and I received an excellent rate of 1.99 % and it is automatically deducted from my checking account on every 10th of the month. I am happy to be a member of this Credit Union. Oh yes, when I go into the Credit Union the staff knows who I am and they are always pleasant and ready to help me.

Customer Satisfaction

In over thirty years of belonging to Navigant Credit Union, I have never experienced anything but professional, courteous service, regardless of branch.

Excellent Service And Account Options

Posted by: TonyRI | Oct 23, 2016

I'd been a member of the Rhode Island Credit Union for about 30 years. I had my mortgages and refinancing there, along with Club, Savings and Capital Accounts. I was getting tired of low interest rates on savings (.05%) and service charges on my Checking Account. I checked a local bank, but I've always preferred Credit Unions. Along came Navigant. Navigant's Share Savings account pays as much interest (.1%) as my old Capital Account (which required a $1000 min balance for accrual!). The Journe Rewards Checking account pays 1.25% APY interest and only requires a $10 minimum balance! My old Checking account required a $300 minimum balance, or they would charge a $5 service fee and it payed NO interest. Not only does the Navigant Checking pay a high interest rate for the first $20K (and .3%, over 20K) but it also has special discount offers for purchases made with the associated debit/Visa card. I just saved $15 off a $100 PeaPod order! I had been with my old CU for so long that I didn't even consider looking around for other options. I'm so happy that I finally did. Customer Service is extremely helpful, online banking is very user friendly and Branch Staff have always been professional and courteous. I would (and have) recommend Navigant Credit Union to anyone looking for high yield interest accounts and hassle-free banking.

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.

Do Not Join This Credit Union

Posted by: vebm101 | Jan 5, 2018

This is probably the worst bank or credit union that I have been a member of. I've been a member of this credit union for 6 years and I have never been so unhappy. This past year alone Navigant has taken over $500 from my account for fees. Each time I dispute a fee, they blame it on a software issue and refuse to compromise with their customers. There is always an excuse for something but their reasoning never makes sense. I have funds in my account each time an "uncollected fund fee" or other silly fee is deducted. Each time I call, they refuse to connect me with a manager and instead scold me on my spending habits, which has no correlation to them deducting funds multiple days after I deposit a check! There is zero customer service here and depending on who you get, can be borderline rude. I can't wait until I am done paying off a loan so I can leave this credit union! Stay away from Navigant unless you want BS fees taken from your account every few months or so.

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:

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  



Health
A+

Health Grade Components

Overall
NCUA #62882
Year Chartered1915
Employees290
Primary Regulator
Profit Margin
Return on Assets - YTD0.88%
Return on Equity - YTD8.02%
Annual Interest Income$64.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$1.93B$1.79B
LoansQ4 2017vs Q4 2016$1.60B$1.44B
DepositsQ4 2017vs Q4 2016$1.50B$1.40B
Equity CapitalQ4 2017vs Q4 2016$209.8MM$194.7MM
Loan Loss AllowanceQ4 2017vs Q4 2016$7.6MM$6.4MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$5.0MM$6.9MM
Real Estate OwnedQ4 2017vs Q4 2016$268.00K$440.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Statement Savings

Navigant Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

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

Navigant Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.80%$500-18 Month Bump-Up CD (New Money Only)
1.25%$500-5 Year CD (New Money Only)
1.00%$500-4 Year CD (New Money Only)
0.75%$500-3 Year CD (New Money Only)
0.65%$500-2 Year CD (New Money Only)
0.65%$500-2.5 Year CD (New Money Only)
0.45%$500-18 Month CD (New Money Only)
0.40%$500-15 Month CD (New Money Only)
0.35%$500-13 Month CD (New Money Only)
0.25%$500-6-12 Month CD (New Money Only)

Navigant Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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%$500-6-12 Month IRA
Locations

Availability



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