Loan Rates

As a not-for-profit, member-owned credit union, Navigator is able to reinvest earnings in the form of better rates for you, our members. Our low-interest loans help meet your needs for sound money management, which translates to greater financial well-being for you and your family. Current loan rates are listed below. APR = annual percentage rate.

Rates subject to change.

Auto Loan (New and Used)
Rates as low as 1.99% APR and terms as high as 84 months.
Up to 115% financing available.
Other Collateral Loans (Motorcycle, Boat, RV, ATV)
Rates as low as 3.99% APR and terms as high as 84 months.
Up to 100% financing available.
Home Equity Line of Credit (HELOC)
Introductory rate is as low as 3.750% APR for the first six months.
Adustable rate after introductory period is equal to the prime rate, with a minimum of 4.00% APR.
The loan rate will never exceed 14.00% APR.
Line of Credit amount of up to 90% of available equity.
Navigator pays closing costs.
Home Mortgage Loan
Rates and terms vary. Use our calculators page to review loan programs, rates and payments here.
Line of Credit
Rates as low as 9.95% APR on terms as high as 48 months.
Overdraft Loans
Rates as low as 18.00% APR.
Asset Secured Loan
Rates as low as 2% above Savings on terms as high as 180 months.
Personal Loan
Rates as low as 9.95% APR on terms as high as 48 months.
VISA® Credit Card
Rates as low as 10.90% APR.