Products and Services Enjoy Life s Journey 401.233.4700 navigantcu.org Federally insured by the National Credit Union Administration.
Products and Services Navigant Credit Union provides you with the products and services you will need to meet your financial goals. Deposit Business Business Quest Business Checking Quest Business Money Market Quest Business Line of Credit Quest Business Online Banking Quest Business Debit Card Business Credit Card Real Estate Loans Working Capital Lines of Credit Night Deposit Journe Rewards Checking Share Savings Personal Checking Relationship Checking Money Market Vacation Club General CDs / IRAs Christmas Club Online Banking Night Deposit Online Account Opening Safe Deposit Boxes ATM/Debit Card Direct Deposit Loan Online Loan Applications Personalized Debit Cards Money Orders ACH Origination Bill Payment Notary Public (Free) Text & Mobile Banking Credit Cards Auto/Motorcycle/RV Loans Construction Loans Electronic Statements Telephone Banking Equity Loans Unsecured Loans FinanceWorks Overdraft Protection Personal Lines of Credit Secured Share Loans Equity Lines of Credit Mortgages (Fixed & Adjustable Rates) Our professional staff will be glad to discuss any of these services in detail with you.
Electronic Services Enjoy Life s Journey 401.233.4700 navigantcu.org Federally insured by the National Credit Union Administration.
Services for an Electronic World Online Banking Navigant Credit Union is proud to offer the Navigant Online Virtual Branch. This is another way to bank with us. With online banking you can do all your banking, anywhere, at any time. Visit us at navigantcu.org. Online Account Opening FinanceWorks Free online money management tool to help you take control of your finances See where you re spending your money View your complete financial picture across 16,000 + financial institutions and creditors Simplify tax time by tracking tax deductible transactions for both personal and business expenses Online Account Opening allows you to open and fund accounts from the comfort of your own home. This means that no matter what kind of schedule you have, you will always have the option of conducting your financial business online and at your leisure. Text Banking Retrieve account balances Retrieve recent history Mobile Banking Check account balances View recent transactions Online Loan Applications Our online applications are safe, secure, and will provide you with an alternative to applying in person or over the phone. Electronic Statements Electronic Statements are free and allow you to see your account statement online. It helps eliminate paperwork and gives you a quick, easy way to view, save or print your statement. Bill Payment Pay bills any time, from any computer with internet access Schedule a one-time payment as well as a recurring payment When you use Bill Payment, paying your bills will take just minutes Low-balance alerts Transfer funds between eligible accounts MoneyCentral Phone Banking Transfer funds Pay your bills (schedule & cancel) Simply dial 401.233.3100 and enter your member number and PIN. (personal ID number) See the flow chart to the left for MoneyCentral features. No more writing checks, addressing envelopes, or buying stamps
Business Services Enjoy Life s Journey 401.233.4700 navigantcu.org Federally insured by the National Credit Union Administration.
As a growing financial institution, we pledge to help you maintain and grow a successful business. Our products and services are delivered with an ease and efficiency that does not compromise our competitive rates. Quest Business Checking Enjoy Navigant Credit Union s competitive line of Products and Services: Merchant Services Payroll Services Business Checking Wire Transfers Business ATM/Debit Card Safe Deposit Boxes Overdraft Protection Share Savings Business Performance Checking No minimum balance No monthly service charge 250 transactions per month free Business Balance Checking Unlimited transactions Average daily balance of $5,000 or a low monthly service charge Quest Money Market Tiered rates for higher interest earnings $2,500 - $24,999.99 $25,000 - $74,999.99 $75,000-149,999.99 $150,000 or more No monthly service fees Quarterly or monthly statements available Certificates of Deposit Night Deposit Business Lending Real Estate Financing Commercial real estate acquisition/refinancing Investment property financing Construction financing Navigant Credit Union is also an approved SBA lender. Automated Telephone Banking Business Credit Card Lines of Credit Secured/unsecured business lines of credit for working capital needs Term Loans Equipment Financing Vehicle Loans Permanent Working Capital Loans Quest Business Loans & Lines of Credit Up to $25,000 for qualified applicants Completed loan application approval in 72 hours or less Bank at Work - A service for our Business Members Business Online Banking Features of Basic Services: Multi-user access View account balance and activity View cleared check images Transfers Electronic statements Webconnect to Quickbooks Additional Funds Transfer Services* Electronic Bill Payment ACH origination/cash concentration Wire Transfer service *Fees may apply. Navigant Credit Union actively participates and collaborates with local businesses, offering onsite services and providing your employees with financial products, resources and education. With Business Online Banking, you have immediate access to all your account information, 24 hours a day 7 days a week.
Consumer Lending Enjoy Life s Journey 401.233.4700 navigantcu.org Federally insured by the National Credit Union Administration.
Helping You Secure Financing Whether you are buying a new car or purchasing that boat you always wanted, we know that buying can be overwhelming. Take comfort knowing that a Navigant Credit Union representative will be with you every step of the way. We will work to arrange a loan that will fit into your budget. If you have any questions about loan options or rates, you can log on to navigantcu.org, contact our Call Center at 401.233.4700 or stop by your local branch. Auto Loans We offer financing or refinancing with flexible terms to fit your budget. Additionally, to give you piece of mind, we can protect your loan with Gap Insurance, Mechanical Repair Coverage and Payment Protection. New Vehicle Used Vehicle Terms up to 72 months Terms up to 60 months 100% financing available 100 % financing available Fixed at competitive interest rates Fixed at competitive interest rates Additionally, Navigant Credit Union offers a.25% discount off fixed installment loans with automatic payment from an active Navigant Credit Union checking account. Loan Applications Convenient Call Center Loan Applications 401.233.4700 24 Hour Online Loan Applications at navigantcu.org Apply in person at any of our Navigant Credit Union locations Call our Call Center or refer to our Web site for the list of documents needed to start your application today. You can be sure that at Navigant Credit Union, you ll receive the most member-friendly rates available anywhere. Also ask us about our Motorcycle Loan/RV/Boat loans! Unsecured Personal Loan Maximum loan $10,000.00 Term: 3 years maximum Fixed at competitive interest rates Personal Line of Credit $50.00 Minimum monthly payment or 1.5% of loan balance (whichever is greater) Variable interest rate based on Prime + index (based on credit risk) $10,000.00 limit- based on credit risk Line of Credit is available for a 5 year draw period
Residential Lending Enjoy Life s Journey 401.233.4700 navigantcu.org Federally insured by the National Credit Union Administration.
Home Equity Lines of Credit and Home Equity Loans You can take advantage of the equity you ve built in your home with a home equity line of credit or home equity loan from Navigant Credit Union. Our members benefit from quick closings on owner-occupied 1-4 family homes with no closing costs. What is the difference? How are the funds accessed? Home Equity Line of Credit Home Equity Lines allow you to tap into your equity immediately with flexible terms. If there is no balance, there is no payment. Funds can be accessed by using credit checks or making withdrawals. Home Equity Loan Term loans up to 15 years. A great option for expenses such as a home renovation, a wedding or debt consolidation. Disbursement of funds vary on an individual basis. When is the payment due? Monthly payments are due monthly when there is an outstanding balance. Scheduled payments are due weekly, bi-weekly or monthly for the life of the loan. How do the interest rates differ? Interest rates are variable and subject to change based on the Prime Rate as published in the Wall Street Journal. Interest rates are fixed for the term of the loan. Mortgages Purchasing a home is the single greatest financial commitment most of us make in a lifetime. Therefore, it is extremely important to make an informed decision when you decide on the mortgage product that fits you. At Navigant Credit Union our trained professionals are ready to explain the options available to you in securing a mortgage for your home. Call 401.233.4700 to speak with a mortgage originator today. Options Benefits Rates and Terms Fixed-Rate Monthly payments do not change for the life of the loan. Various rates and terms available. Adjustable Rate Jumbo Loans A low introductory rate for an initial time period. After the intial introduction period, the interest rate is subject to change based on market conditions. Used when financing an amount above conventional conforming loan limits. Various rates and terms available. Various rates and terms available. First Time Home Buyers Low interest loans for people buying their first home. Various rates and terms available.
Deposit Accounts Enjoy Life s Journey 401.233.4700 navigantcu.org Federally insured by the National Credit Union Administration.
Share/Savings Accounts No monthly or annual service charge $10.00 minimum balance to open Interest paid and compounded monthly on $10.00 or more Money Market Accounts No monthly or annual service charge $2,500.00 minimum balance to open Interest paid and compounded daily at competitive interest rate Relationship Money Market Accounts Offered in conjunction with the Relationship Checking account product Tiered Money Market rate Minimum average daily balance of all deposit accounts must equal $5,000.00 or greater to waive the monthly service fee. (refer to fee schedule) Vacation Club and Christmas Club Accounts By putting a little money in your Vacation or Christmas Club account throughout the year you won t put unnecessary strain on your budget when it comes time for your vacation or holiday shopping You determine the frequency of your deposits; Weekly, Biweekly, Monthly Checks are mailed automatically in April/October Certificates of Deposit (CDs) 6 Month to 5 year CDs Personal Checking Interest is paid on all accounts with only a $10.00 minimum balance No service fee with direct deposit No service fee for members who are fifty years of age or over No service fee when a minimum daily balance of $500.00 is maintained Journe Rewards Checking Earn an amazing annual percentage yield on the balance in your account up to $25,000 and receive ATM fee refunds nationwide up to $25 per qualification cycle. It s as easy as 1-2-3: 1. Make 12 debit card purchases monthly 2. Set up 1 direct deposit or automatic payment from your account 3. Enroll to receive electronic statements Relationship Checking Account Minimum combination average daily balance of all deposit accounts of $5,000.00 waives the minimum balance fee (refer to fee schedule) Free money orders and cashier s checks E-Access Student Checking ATM fees refunded (up to $25.00 per month) One paid or insufficient funds fee refund per calendar year Navigant Credit Union Checking accounts also include: $500.00 minimum balance to open Interest compounded and paid monthly. Interest may be paid or transferred monthly to a share or checking account A penalty may be imposed for withdrawals before maturity Individual Retirement Accounts (IRAs) Opening your Traditional, Roth, or Coverdell Education IRA could be the most significant financial decision you make this year. With an opening deposit as low as $500.00 for an IRA CD, your money will grow while being protected. Free ATM Card/ Debit Card Free Direct Deposit of Payroll Free Internet Banking Free Electronic Statements Free Bill Payment (Bill payers must be minimum of 18 years old) Free FinanceWorks Free Text and Mobile Banking Overdraft Protection options Automated Telephone Banking.25% discount off consumer loans with automatic payment from an active Navigant Credit Union checking account