Credit union · NCUA insured
Navigator Credit Union Savings Rates
Top CarrotNavigator Credit Union’s best savings rate is 0.40% APY on $10,000, with its Premium Savings Money Market. Rates checked October 22, 2026.
How Navigator Credit Union’s savings 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
3.25%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $325
Prime Money Market
Top rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
3rd-highest rate
Keesler Federal Credit Union
3.25%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $325
Navigator Credit Union savings score
82
Savings score
Higher than 59% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.60%
- QualifiedQualified3.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Prime Money Market
3.25%APY
Subject to membership requirements. New money required; source of funds deposited into Prime Money Market may not be from an existing Navigator Credit Union account. To earn disclosed APY on tier $10,000 & above, must maintain an average daily balance at least equal to $10,000 and direct deposit aggregate of at least $500 each month into any Navigator Credit Union savings, money market, or checking accounts on the same account number. If eligibility requirements are not met, earns 0.15% APY. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Earned for balances under $10,000 or if eligibility requirements are not met during any month. | 0.15% | — | Earned for balances under $10,000 or if eligibility requirements are not met during any month. |
| $10,000 and upVariable rate based on Wall Street Journal U.S. Prime Rate on the last day of the month minus 3.75% with a 0.30% floor rate. Requires new money, maintaining an average daily balance of at least $10,000 in Prime Money Market, and monthly direct deposit aggregate of at least $500 into any Navigator CU account on the same account number. | 3.25% | $325 | Variable rate based on Wall Street Journal U.S. Prime Rate on the last day of the month minus 3.75% with a 0.30% floor rate. Requires new money, maintaining an average daily balance of at least $10,000 in Prime Money Market, and monthly direct deposit aggregate of at least $500 into any Navigator CU account on the same account number. |
Sources (2)
All captured Oct 4, 2026
Save'N Up Savings
3.00%APY
Subject to membership eligibility and e-statement enrollment. Rate is subject to change without notice. First 30 days enrolled, Navigator matches 50% of Save'N Up transfers on credit/signature transactions; after 30 days, matches 5% each quarter up to $300 per calendar year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 3.00% | $300 |
Sources (2)
All captured Oct 4, 2026
Premium Savings Money Market
0.40%APY
Subject to membership requirements. Fees could reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $10,000 | 0.40% | $40 |
| $10,000 – $25,000 | 0.45% | — |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 – $100,000 | 0.60% | — |
| Over $100,000 | 0.70% | — |
Sources (2)
All captured Oct 4, 2026
Primary Savings
0.15%APY
Subject to membership requirements. No minimum balance, no monthly maintenance fee. Individual or joint accounts. Minimum deposit of $5 required for Regular Share membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.15% | — |
| $10,000 – $25,000 | 0.15% | $15 |
| $25,000 – $50,000 | 0.15% | — |
| $50,000 – $100,000 | 0.15% | — |
| Over $100,000 | 0.15% | — |
Sources (3)
- navigatorcu.org/savings/christmas-club-savings
- navigatorcu.org/savings/deposit-rates
- navigatorcu.org/savings/savings-account
All captured Oct 4, 2026
Special-purpose accounts
IRAs
0.50%APY
Subject to membership requirements. Tax-advantaged retirement savings account. Withdrawals are generally intended after age 59 1/2; early withdrawals may be subject to a 10% penalty and taxes.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.50% | — |
| $10,000 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 – $100,000 | 0.50% | — |
| Over $100,000 | 0.50% | — |
Sources (2)
All captured Oct 4, 2026
Christmas Club Savings
0.40%APY
$2.00 minimum opening deposit. Regular Share with $5 minimum deposit required for membership. Dividends post on October 31, and full balance transfers to Regular Share / savings on November 1. Subject to membership eligibility.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.40% | $40 |
Sources (3)
- navigatorcu.org/savings/christmas-club-savings
- navigatorcu.org/savings/deposit-rates
- navigatorcu.org/savings/savings-account
All captured Oct 4, 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.