Credit union · NCUA insured
Navigator Credit Union CD Rates
Top CarrotNavigator Credit Union’s best CD rate is 1.45% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Navigator Credit Union’s CD rates compare
Compared with banks and credit unions near Gulfport, MS, where Navigator Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Navigator Credit Union
1.35%APY
- Term
- 60 months
- Minimum
- —
- Earns on $10,000
- $693
Share Certificates
Top rate
All In Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $656
2nd-highest rate
Sunbelt Federal Credit Union
4.33%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $656
Navigator Credit Union CD score
61
CD score
Higher than 4% of U.S. banks and credit unions
- 3–8 months3–8 mo0.45%
- 9–15 months9–15 mo0.70%
- 16–30 months16–30 mo0.90%
- 31–60 months31–60 mo1.35%
- QualifiedQualified1.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Navigator Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificates
Up to 1.45%APY · 8 terms
Must be opened in branch. Subject to membership eligibility. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.50% | — |
| 12 months | 0.80% | — |
| 18 months | 0.90% | — |
| 24 months | 0.95% | — |
| 30 months | 1.00% | — |
| 36 months | 1.05% | — |
| 48 months | 1.20% | — |
| 60 months | 1.45% | — |
Sources (2)
All captured Oct 22, 2026
Share Certificates
Up to 1.35%APY · 8 terms
Subject to membership eligibility. Early withdrawal penalty may apply. Additional deposits cannot be made after opening.
| Term | APY · Up to $25,000 | APY · $25,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 0.45% | 0.48% | 0.45%0.48% $25k–$100k | $22 |
| 12 months | 0.70% | 0.75% | 0.70%0.75% $25k–$100k | $70 |
| 18 months | 0.80% | 0.85% | 0.80%0.85% $25k–$100k | $120 |
| 24 months | 0.85% | 0.90% | 0.85%0.90% $25k–$100k | $171 |
| 30 months | 0.90% | 0.95% | 0.90%0.95% $25k–$100k | $227 |
| 36 months | 0.95% | 1.00% | 0.95%1.00% $25k–$100k | $288 |
| 48 months | 1.10% | 1.15% | 1.10%1.15% $25k–$100k | $447 |
| 60 months | 1.35% | 1.40% | 1.35%1.40% $25k–$100k | $693 |
Sources (2)
All captured Oct 22, 2026
1st Nvestor Certificates
0.45%APY · 1 term
Requires ongoing deposits of at least $10 per week. Designed to help you grow into a full certificate. No large upfront deposit needed. Subject to membership eligibility. Early withdrawal penalty may apply.
| Term | APY · Up to $25,000 | APY · $25,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsRequires ongoing deposits of at least $10 per week | 0.45% | 0.48% | 0.45%0.48% $25k–$100k | $22 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Jumbo IRA Certificates
Up to 1.55%APY · 8 terms
Must be opened in branch only. Available for Traditional IRA or Roth IRA. Subject to membership eligibility. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.60% | — |
| 12 months | 0.90% | — |
| 18 months | 1.00% | — |
| 24 months | 1.05% | — |
| 30 months | 1.10% | — |
| 36 months | 1.15% | — |
| 48 months | 1.30% | — |
| 60 months | 1.55% | — |
Sources (2)
All captured Oct 22, 2026
IRA Certificates
Up to 1.45%APY · 8 terms
Must be opened in branch only. Available for Traditional IRA or Roth IRA. Subject to membership eligibility. Early withdrawal penalty may apply. Additional deposits cannot be made after opening.
| Term | APY · Up to $25,000 | APY · $25,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 0.55% | 0.58% | 0.55%0.58% $25k–$100k | $27 |
| 12 months | 0.80% | 0.85% | 0.80%0.85% $25k–$100k | $80 |
| 18 months | 0.90% | 0.95% | 0.90%0.95% $25k–$100k | $135 |
| 24 months | 0.95% | 1.00% | 0.95%1.00% $25k–$100k | $191 |
| 30 months | 1.00% | 1.05% | 1.00%1.05% $25k–$100k | $252 |
| 36 months | 1.05% | 1.10% | 1.05%1.10% $25k–$100k | $318 |
| 48 months | 1.20% | 1.25% | 1.20%1.25% $25k–$100k | $489 |
| 60 months | 1.45% | 1.50% | 1.45%1.50% $25k–$100k | $746 |
Sources (2)
All captured Oct 22, 2026
1st Nvestor IRA Certificates
0.55%APY · 1 term
Must be opened in branch only. Requires ongoing deposits of at least $10 per week. Available for Traditional IRA or Roth IRA. Subject to membership eligibility. Early withdrawal penalty may apply.
| Term | APY · Up to $25,000 | APY · $25,000 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsRequires ongoing deposits of at least $10 per week | 0.55% | 0.58% | 0.55%0.58% $25k–$100k | $27 |
Sources (2)
All captured Oct 22, 2026
Who can join Navigator Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.