2024 Overview
General Credit Union Information
Navigator Cu is an NCUA insured institution located in Pascagoula, MS. It was founded in 1939 and has approximately $385.98 millions in assets.
Who can join?
Membership is open to the following:
• HII Employees – Those employed or retired from Huntington Ingalls Industries Inc., or affiliated entities, and their family members.*
• Mobile – Baldwin Residents – Individuals working, worshipping or going to school in Mobile or Baldwin County of Alabama.
• Gulfport Residents – Individuals working, worshipping or going to school in the portion of Gulfport, Mississippi, that is outlined in Navigator Credit Union’s field of membership declaration.
• Federal Employees – Jackson County, Mississippi, Federal Government employees, retirees and their family members.*
• Small Business Employees – Any business located in Jackson or Harrison County, Mississippi, with fewer than 500 employees. This also includes retirees and family members* of the above group.
* Family members include: wife, husband, aunt, uncle, brother, brother-in-law, sister, sister-in-law, son, son-in-law, daughter, daughter-in-law, father, father-in-law, mother, mother-in-law, grandfather, grandmother, grandchild, niece, nephew, cousin, step relative.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 63637 |
| Date Established | 1939 |
| Assets | $385.98 million |
| Loans | $256.37 million |
| Deposits | $322.51 million |
| Capital | $58.15 million |
Field of Membership Restrictions
Membership is open to those who live, work, attend school or worship in Baldwin or Mobile Counties in Alabama and a select area of Gulfport, Mississippi. Membership is also open to employees of Huntington Ingalls Industries Inc. and its subsidiaries, federal employees working in Jackson County, Mississippi and other select employer groups.
Deposit Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Primary
|
0.15% | $0 | $9,999 |
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|
| Primary
|
0.15% | $10,000 | $25,000 |
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|
| Primary
|
0.15% | $25,001 | $50,000 |
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|
| Primary
|
0.15% | $50,001 | $100,000 |
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|
| Primary
|
0.15% | $100,001 | - |
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|
|
Money Market
|
0.35% | $2,500 | $10,000 |
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|
|
Money Market
|
0.38% | $10,000 | $25,000 |
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|
|
Money Market
|
0.40% | $25,000 | $50,000 |
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|
|
Money Market
|
0.43% | $50,000 | $100,000 |
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|
|
Money Market
|
0.45% | $100,000 | - |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.48% | $25,000 | $99,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | - |
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|
| 12 Mo CD
|
0.75% | $25,000 | $99,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | - |
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|
| 18 Mo CD
|
0.85% | $25,000 | $99,999 |
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|
| 18 Mo CD
|
0.90% | $100,000 | - |
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|
| 24 Mo CD
|
0.90% | $25,000 | $99,999 |
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|
| 24 Mo CD
|
0.95% | $100,000 | - |
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|
| 30 Mo CD
|
0.95% | $25,000 | $99,999 |
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|
| 30 Mo CD
|
1.00% | $100,000 | - |
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|
| 36 Mo CD
|
1.00% | $25,000 | $99,999 |
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|
| 36 Mo CD
|
1.05% | $100,000 | - |
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|
| 48 Mo CD
|
1.15% | $25,000 | $99,999 |
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|
| 48 Mo CD
|
1.20% | $100,000 | - |
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|
| 60 Mo CD
|
1.40% | $25,000 | $99,999 |
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|
| 60 Mo CD
|
1.45% | $100,000 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.10% | $0 | - | Learn More |
Loan Rates - April 16, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Navigator Cu
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
7.451% | 7.375% | 0.75 | $2,400 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: 491986 |
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NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
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More Info |
Note to Navigator Cu
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Branches
Below are Navigator Cu branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
NAVIGATOR CU is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Navigator Cu Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Navigator Cu. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Navigator Cu | U.S. Average |
|---|---|
| 4.29% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Navigator Cu had $2,605,025 in non-current loans and $81,251 in owned assets. To cover these potential losses it had $58,149,882 in net worth and $4,499,262 in loans loss reserves. That gives it a Texas Ratio of 4.29%.
Net Worth
| Navigator Cu | U.S. Average |
|---|---|
| 15.06% | 13.62% |
Navigator Cu FCU has a net worth of 15.06% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Navigator Cu
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