Loans & Rates

Rates subject to change daily. Please contact the credit union to confirm rates listed below.

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Loan Protection
With Navigator Loan Protection, you pay just pennies a day and only buy enough protection to cover your loan balance, and that saves you money.

• Protects your credit rating and collateral
• Simple eligibility requirements
• Fast and easy enrollment
• Immediate coverage for eligible borrowers
• Convenient—fee is included in your loan payment

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Loans & Rates

Asset (Share or Certificate) Secured Loan
As Low As 2% Above Savings (terms as high as 180 months)

• Use your savings account or share certificate as collateral for a loan
• Allows you to borrow against savings without depleting them
• Lowest interest rate available
• Declared share dividends + 2.0%

• Up to 100% financing
• Extended repayment terms
• Same rate for new or used cars
• Extended Warranty Insurance Available
• GAP Insurance to pay the difference between the value and what is owed

Go to CARFAX for a detailed vehicle history report


Boat/RV Loan
As Low As 5.95% APR (terms as high as 84 months)

Home Equity Line of Credit (HELOC)
Introductory Rate is 3.750% for the first six months. Adjustable rate after introductory period is equal to the prime rate, with a minimum of 4.00%. The loan rate will never exceed 14.00%. Line of Credit amount up to 90% of available equity AND we pay closing costs.

Home Mortgage Loan

1st Mortgage Homestead:
5.340% 30 Year Conventional Conforming Loan Rate as of 12/10/2009
5.120% 20 Year Conventional Conforming Loan Rate as of 12/10/2009
4.651% 15 Year Conventional Conforming Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days.The 1% origination fee is included in the Annual Percentage Rate (APR.).

5.327% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 5% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

1st Mortgage Investment Property:
5.843% 30 Year Conventional Conforming Loan Rate as of 12/10/2009
5.623% 20 Year Conventional Conforming Loan Rate as of 12/10/2009
5.278% 15 Year Conventional Conforming Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The1 % origination fee is included in the Annual Percentage Rate (APR.).

6.660% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $50,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

Mobile Home ~ Double Wide with Land Only Other Restrictions Apply:
5.591% 30 Year Conventional Conforming Loan Rate as of 12/10/2009
5.497% 20 Year Conventional Conforming Loan Rate as of 12/10/2009
5.027% 15 Year Conventional Conforming Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The 1 % origination fee is included in the Annual Percentage Rate (APR.).

6.830% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

Mobile Home ~ Single Wide with Land Only Other Restrictions Apply:
8.366% 10 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $50,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.)

Construction Loan
5.577% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $100,000.00 loan with 5% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

Fixed Rate Home Equity Homestead:
6.580% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $50,000.00 loan with 5% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

Fixed Rate Home Equity Investment Property:
7.832% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $50,000.00 loan with 25% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.).

Unimproved Land:
7.413% 15 Year Nonconventional (In House) Loan Rate as of 12/10/2009

*The rates are based on a $50,000.00 loan with 20% equity (or down payment) and an anticipated lock period of 45 days. The 1/2 % origination fee is included in the Annual Percentage Rate (APR.). 

Lines of Credit Rates as Low As 9.95% APR (terms as high as 48 months)

• Allows you to make purchases by writing a check
• Can be used to provide overdraft protection for checking
• Can be access through the ATM and 'N Touch

Personal Computer Loan
Rates as Low as 9.50% (terms as high as 24 months)

Personal Loan
Rates as Low as 9.95% APR (terms as high as 48 months)

Student Loan
Federal Stafford Rate of 6.80% and Federal Plus Rate of 8.50% as of 7/1/09.  Stafford Loans are available for members enrolled in an accredited school 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 difference between the cost of a college and the financial aid granted.

* Rate subject to change

Overdraft Loans
Rates as low as 18%

Insurance Loans
Rates as low as 12%

VISA Card

• No annual fee
• No cash advance fees
• Fixed rates as low as 10.90%
• Credit limits up to $10,000
• Instant cash access with your PIN
• Worldwide acceptance
• Free additional cards for family members
• 24-hour toll-free account access
• Savings when you transfer higher balances
• Yearly CashBack bonus
• 25-day grace period on purchases