Navigant Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Navigant Credit Union's highest tracked CD (share certificate) rate is 4.25% APY on an 11-month CD ($500 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.35% to 4.25% APY.
Tracking began .
Navigant Credit Union CD & share certificate rates
Membership required. Published share certificate rates from 6 months to 5 years, including 11- and 15-month offers; a $500 minimum opening deposit is required to earn the advertised APY. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 6 months | Certificate of Deposit | 2.85%Top 74% · $10k reference sampleVerified October 22, 2026 |
| 9 months | Certificate of Deposit | 2.85%Top 85% · $10k reference sampleVerified October 22, 2026 |
| 11 months | Certificate of Deposit | 4.25%Verified October 22, 2026 |
| 12 months | Certificate of Deposit | 2.85%Top 76% · $10k reference sampleVerified October 22, 2026 |
| 15 months | Certificate of Deposit | 4.00%Verified October 22, 2026 |
| 18 months | Certificate of Deposit | 2.60%Top 78% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Certificate of Deposit | 2.60%Top 72% · $10k reference sampleVerified October 22, 2026 |
| 30 months | Certificate of Deposit | 2.60%Verified October 22, 2026 |
| 36 months | Certificate of Deposit | 2.50%Top 72% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Certificate of Deposit | 2.35%Top 72% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Certificate of Deposit | 2.35%Top 73% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Navigant Credit Union's best CD rates by term?
Navigant Credit Union's best rate is 4.25% APY on 11 months, verified October 22, 2026.
- 6 mo2.85%
- 9 mo2.85%
- 11 mo4.25%
- 12 mo2.85%
- 15 mo4.00%
- 18 mo2.60%
- 24 mo2.60%
- 30 mo2.60%
- 36 mo2.50%
- 48 mo2.35%
- 60 mo2.35%
How much interest could a Navigant Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$389.40 interest · $10,389.40 at maturity on $10,000.00.
4.25% APY · 11 months · Certificate of Deposit · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $70.942.85% APY · Certificate of Deposit · Standard | $141.892.85% APY · Certificate of Deposit · Standard | $354.722.85% APY · Certificate of Deposit · Standard | $709.452.85% APY · Certificate of Deposit · Standard |
| 9 months | $106.602.85% APY · Certificate of Deposit · Standard | $213.192.85% APY · Certificate of Deposit · Standard | $532.982.85% APY · Certificate of Deposit · Standard | $1,065.972.85% APY · Certificate of Deposit · Standard |
| 11 months | $194.704.25% APY · Certificate of Deposit · Standard | $389.404.25% APY · Certificate of Deposit · Standard | $973.494.25% APY · Certificate of Deposit · Standard | $1,946.994.25% APY · Certificate of Deposit · Standard |
| 12 months | $142.502.85% APY · Certificate of Deposit · Standard | $285.002.85% APY · Certificate of Deposit · Standard | $712.502.85% APY · Certificate of Deposit · Standard | $1,425.002.85% APY · Certificate of Deposit · Standard |
| 15 months | $251.104.00% APY · Certificate of Deposit · Standard | $502.194.00% APY · Certificate of Deposit · Standard | $1,255.484.00% APY · Certificate of Deposit · Standard | $2,510.974.00% APY · Certificate of Deposit · Standard |
| 18 months | $196.442.60% APY · Certificate of Deposit · Standard | $392.892.60% APY · Certificate of Deposit · Standard | $982.222.60% APY · Certificate of Deposit · Standard | $1,964.452.60% APY · Certificate of Deposit · Standard |
| 24 months | $263.382.60% APY · Certificate of Deposit · Standard | $526.762.60% APY · Certificate of Deposit · Standard | $1,316.902.60% APY · Certificate of Deposit · Standard | $2,633.802.60% APY · Certificate of Deposit · Standard |
| 30 months | $331.552.60% APY · Certificate of Deposit · Standard | $663.102.60% APY · Certificate of Deposit · Standard | $1,657.762.60% APY · Certificate of Deposit · Standard | $3,315.522.60% APY · Certificate of Deposit · Standard |
| 36 months | $384.452.50% APY · Certificate of Deposit · Standard | $768.912.50% APY · Certificate of Deposit · Standard | $1,922.272.50% APY · Certificate of Deposit · Standard | $3,844.532.50% APY · Certificate of Deposit · Standard |
| 48 months | $486.832.35% APY · Certificate of Deposit · Standard | $973.662.35% APY · Certificate of Deposit · Standard | $2,434.142.35% APY · Certificate of Deposit · Standard | $4,868.292.35% APY · Certificate of Deposit · Standard |
| 60 months | $615.772.35% APY · Certificate of Deposit · Standard | $1,231.542.35% APY · Certificate of Deposit · Standard | $3,078.852.35% APY · Certificate of Deposit · Standard | $6,157.692.35% APY · Certificate of Deposit · Standard |
How Navigant Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 5 of 40 tracked institutions with fresh 335-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Navigant Credit Union (this institution)Certificate of Deposit · Standard | 11 months | $500 | Coverage: RI | 4.25% | October 22, 2026 |
| Capital One360 CD · Promotional | 11 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Webster BankPrivate 11 Month · Promotional | 11 months | $500 | Coverage: CT, DE, FL, MA, NH, NJ, NY, PA, RI | 4.25% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 11 months | $2,500 | Nationwide; check eligibility | 4.10% | October 22, 2026 |
| Happen Bank (highest tracked APY for this term)CD · Promotional | 11 months | $500 | Coverage: CA, UT | 4.65% | October 22, 2026 |
| Treasury (APY-equivalent) | 11 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.54% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Navigant Credit Union on October 22, 2026.
About Navigant Credit Union
- Legal name
- Navigant Credit Union
- Regulator ID
- NCUA 62882
- Headquarters
- Smithfield, RI
- Available in
- RI
- Total assets
- $4.3 billion
- Also known as
- Website
- www.navigantcu.org
Source: rates read from https://navigantcu.org/personal/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Navigant Credit Union?
Among the rates we track, 4.25% APY on an 11-month CD, as of October 22, 2026.
What is the minimum deposit for a Navigant Credit Union CD?
The lowest minimum we found is $500.
How does Navigant Credit Union's best CD rate compare with Treasury yields?
4.25% APY is −0.29% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Navigant Credit Union CDs insured?
Navigant Credit Union is a federally insured credit union (NCUA 62882). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Navigant Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Navigant Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Navigant Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Navigant Credit Union before opening an account. This page is not financial advice.