Experienced Staff...
We do more than take your application. You may have several borrowing options. We work with you to find the one to meet your needs with the best rates and terms. If you’re buying or selling a new or used vehicle, boat or motorcycle, price it on our web site at PC Carbook for the book pricing.

Convenient Application Options
Navigator Credit Union makes applying for a loan fast and easy. We offer a number of convenient application options and quick turn around. With lower rates and no processing fees, we can reduce your borrowing expenses and save your money.
We know your time is valuable, that’s why our application process is fast and convenient. We work around your busy schedule.
You can also apply any time of the day or night with ’N Touch*, our 24 Hour Telephone Teller at 696-6380 or 1-800-344-3281 and enter the requested information using a Touch Tone Phone.
Complete the easy application on our website by clicking here: LOAN APPLICATION
Visit one of our branch offices and meet with one of our friendly representatives.
Call the Member Service Center at (228) 762-3542 or 1-800-344-3281 to get your next loan started. You can apply through our Member Service Center, Monday through Friday from 8:00 am to 4:30 pm (CST) and from 8:30 a.m. until 12:30 p.m. on Saturday.

Repayment Options
Navigator makes repayment easy with weekly, bi-weekly and monthly payment options. Loan payments are also easy with automatic payments through:
• Direct Deposit
• Northrop Grumman Ship System’s Payroll Deduction
• Navigator Savings or Checking
• Automated Clearinghouse Payment
• ’N Touch Audio or ’N Touch Web - 24 hours a day.
Low-Cost Credit Protection
If you find yourself disabled, your payments will be covered, allowing you to rest easy.
Quick Approval
Whatever application option you choose, in most cases, you can find out whether you’ve been approved within a few hours, provided all needed information is available.
All of our Consumer Loans are calculated with simple interest, so you pay interest only on the outstanding loan balance. As a result, if you want to pay the loan off early, there are no penalties for early repayment—saving you money on interest charges.

* ’N Touch Loan services are only available to Navigator Credit Union memberswho have signed or agreed to a LOANLINER Open-End Agreement.

Navigator low-cost loans
We are dedicated to helping every member build a better financial world through the wise use of credit.
Navigator Credit Union offers a variety of affordable loans to meet your borrowing needs. Compare our rates and terms, and discover how much you’ll save with a Navigator loan. Our rates are consistently lower than most of our competitors, and we have no processing or application fees. Apply today for any of our low-cost loans.

Vehicle Loans
New and Used Car Loans offer up to 100% financing along with extended repayment terms up to 72 months. Navigator Credit Union offers the same low rate for new or used cars with easy financing on the spot at most Gulf Coast Dealerships. In addition, Navigator auto loans may include Extended Warranty Insurance and GAP Insurance to pay the difference between the value of the vehicle and what is owed.

Boat Loans provide financing for personal watercraft including jet skis, boats, motors and trailers. Terms up to ten years are available on larger crafts.
Recreational Vehicle Loans include items as small as a four-wheeler or motorcycle and up to a full-size motor home with terms up to 10 years.

Student Loans
We work with the government agencies to provide you with funding for undergraduate, graduate or professional study. Stafford Loans are available for members enrolled in an accredited school and taking at least six credits per semester. PLUS Loans are available to parents of students. Parents must first file a Financial Aid Form with the school before applying for this loan. Navigator members can receive a loan to cover the balance of educational expenses not covered by student loans by applying through the credit union.

Property Loans
Home Mortgage Loans are available for first and second mortgages with repayment terms from 15 to 30 years. Navigator Mortgage Loans offer fixed and variable rates, no points, and lower closing costs. You can apply whether you are buying a new home or want to refinance your current loan.

Home Equity Line of Credit
allows you to borrow the difference between what your property is worth and what you still owe on the mortgage. By using the equity in your home, you may qualify for a sizable amount of credit, available for use when and how you choose—even paying higher interest credit cards or loans. Check with your tax advisor to determine if this type of loan offers tax advantages to you as well.

Land Loans
give you the opportunity to finance a lot of your choice at our low, fixed rate.

Smart Loans
Asset Secured Loans are loans that are covered by Savings (Share) or Share Certificates (CDs). This type of loan allows you to use your savings account or share certificate as collateral for a loan and allows you to borrow against savings without depleting them. Of all the loan types, the Asset Secured Loan offers the lowest interest rate available and is calculated based on the declared share dividends plus 2.0%.

VISA Credit Card
offers a very competitive fixed annual percentage rate with no annual fees, 25-day grace period, and CashBack Bonus rebate on purchases.

Refinancing
Improve the value of your current loan by refinancing with Navigator
for more favorable rates and terms. Give us the opportunity to match or beat your current auto or mortgage rate. To get started, complete your loan application using any method described under Convenient Application Options. Include your current rate and we'll quickly let you know how Navigator’s low rates compare.

Personal Loans
Personal Computer purchases can be financed at 7.50% Annual Percentage rate for up to 24 months. Navigator makes it easy and affordable for your family to purchase the technology you need with an affordable monthly payment.

• Personal Line of Credit allows you access to money when you need it without having to fill out a loan application. You’ll be able to access your funds through convenience checks, ’N Touch Audio, ’N Touch Web, ATM or through written request to NCU. Your line of credit can also serve as Overdraft Protections for your Navigator Checking Accounts. Apply once, then borrow up to your approved Line of Credit any time.
• LifeSaver Line of Credit offers overdraft Checking Account protection for those times of life when we go overboard with spending. For $2.00, funds are automatically deposited to your account from your line of credit so you never have to worry about bouncing a check again.
• Miscellaneous Loans are available for a variety of expenses. In addition to vehicle and home loans, we are also here to help you with other financing needs such as payment of medical bills, vacations, taxes, insurance, car repairs, appliances, farm equipment, school expenses, consolidation of debts and personal emergencies.