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Source: https://navigantcu.org/personal/rates/
Read: 2026-10-22T16:23:40.000Z

Auto Loan Rates | Competitive Financing | Navigant Credit Union, Rhode Island Skip to content
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Type | Term | APR
NEW 2025-2026 | Up to 66 Months | 5.99% | Apply Now
Up to 75 Months | 6.34% | Apply Now
Up to 84 Months | 7.34% | Apply Now
2024-2025 | Up to 66 Months | 5.99% | Apply Now
Up to 75 Months | 6.34% | Apply Now
Up to 84 Months | 7.34% | Apply Now
2022-2023 | Up to 66 Months | 6.24% | Apply Now
Up to 75 Months | 6.59% | Apply Now
Up to 84 Months | 7.59% | Apply Now
2019-2021 | Up to 66 Months | 6.74% | Apply Now
Up to 75 Months | 7.09% | Apply Now
2016-2018 | Up to 66 Months | 7.74% | Apply Now
Up to 75 Months | 8.74% | Apply Now
2015 and Older | Up to 66 Months | 8.74% | Apply Now
Up to 75 Months | 9.99% | Apply Now
APR is Annual Percentage Rate. Rates effective as of today’s date dependent on term and credit history. Not all borrowers will qualify for the lowest rate. Rates advertised are the lowest rates available and include a 0.25% deduction for auto-pay from a Navigant Credit Union checking account. Interest rate and maximum loan term will be determined by individual creditworthiness. Rates are subject to change without notice.
Type | Interest Rate | APY
Journey Rewards Checking | 2.95% | 3.00% | Apply Now
Reward Rate APY paid on balances between $10 and $20,000.
APY is Annual Percentage Yield. You must maintain a minimum daily balance of $10.00 to obtain the disclosed APY. To receive the full Journey Rewards Checking benefits, you must meet all of the following requirements during each monthly statement cycle: (1) at least 12 debit card purchases must post and settle; (2) at least one direct deposit or automatic payment post and settle; and (3) you must access online banking and enroll to receive electronic statements. ATM fees will be refunded up to a total of $25 per monthly statement cycle when all Journey Rewards Checking eligibility requirements are met. ATM-processed transactions do not count toward qualifying debit card purchases. If all eligibility requirements are met, balances from $10.00 up to and including $20,000 will earn the advertised APY of 3.00%. Balances over $20,000 will earn an interest rate of 0.249% on the portion of the balance exceeding $20,000. If you do not meet all eligibility requirements during a monthly statement cycle, your account will continue to function as a Journey Rewards Checking account; however, you will earn an APY of 0.05% on the entire balance when the balance is $10.00 or greater, and will not receive ATM fee refunds for that statement cycle. Rates are subject to change at any time after account opening. Fees may reduce earnings. Available to new and existing members who open a new Journey Rewards Checking account.
Type | Interest Rate | APY
Relationship Checking | 0.14% | 0.15% | Apply Now
Required Minimum Daily Balance of $10.00 is required to earn APY.
APY is Annual Percentage Yield. Rates subject to change at any time without notice. Rate may change after account opening and fees may reduce account earnings. Aggregate balance requirement is calculated using an average daily balance.
Type | Interest Rate | APY
Personal Checking | 0.04% | 0.05% | Apply Now
Required Minimum Daily Balance of $10.00 is required to earn APY.
APY is Annual Percentage Yield. Rates subject to change at any time without notice. Rate may change after account opening, and fees may reduce account earnings.
Type | Term | APR
Fixed Equity | 5 Years | 7.25% | Apply Now
Fixed Equity | 7 Years | 7.38% | Apply Now
Fixed Equity | 10 Years | 7.50% | Apply Now
Fixed Equity | 15 Years | 7.50% | Apply Now
APR is Annual Percentage Rate. Maximum loan to value for above listed rates is 80%. Rate will also be determined by individual credit worthiness. Rates subject to change at any time without notice. Rates are the lowest rates available. Call for specific details.
For home equity loans: At 7.25% APR, 60 monthly payments of $20.54 per $1,000 borrowed.
For home equity loans: At 7.38% APR, 84 monthly payments of $17.03 per $1,000 borrowed.
For home equity loans: At 7.50% APR, 120 monthly payments of $11.95 per $1,000 borrowed.
For home equity loans: At 7.50% APR, 180 monthly payments of $9.28 per $1,000 borrowed.
Type | Term | APR
Home Equity Line of Credit | First 12 Months | 6.00% | After first 12 months, rate is prime minus 0.50% if qualifications are met* | Apply Now
*Advertised Introductory Annual Percentage Rate (APR) is Prime minus 1.00% for the first 12 monthly billing cycles with an initial draw of $10,000 at closing. After the initial 12 monthly billing cycles, rate automatically reverts to a variable rate of interest equal to the Prime Rate minus a 0.50% margin (currently 6.50% APR) as published within the Wall Street Journal 30 days prior to the date of any rate adjustment and is subject to change without notice. As of 09/17/2026, the Prime Rate was 7.00%. Interest rate and credit limit are determined by individual creditworthiness and are subject to maximum loan-to-value ratio of 80%. Offer based on individual creditworthiness and limited to 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance, if applicable) is required. Other terms and restrictions may apply. APR will not exceed 21% in Rhode Island or the maximum rate permitted by applicable law, whichever is greater, and will not be less than 4.00% APR. Must open or have an active checking account with Navigant Credit Union. Existing Navigant Credit Union home equity lines or loans are not eligible for refinance under this promotion. No application fee.
Type | Term | APR | Amount
Personal Loans | 1 year | 10.24% | Up to $50,000 | Apply Now
Personal Loans | 2 years | 10.74% | Up to $50,000 | Apply Now
Personal Loans | 3 years | 11.24% | Up to $50,000 | Apply Now
Personal Loans | 4 years | 11.74% | Up to $50,000 | Apply Now
Personal Loans | 5 years | 12.24% | Up to $50,000 | Apply Now
APR is Annual Percentage Rate. Rates effective as of today’s date dependent on term and credit history. Not all borrowers will qualify for the lowest rate. Rates advertised are the lowest rates available and include a 0.25% deduction for auto-pay from a Navigant Credit Union checking account. Interest rate and maximum loan term will be determined by individual creditworthiness. Rates are subject to change without notice. For personal loans: At 9.24% APR, 12 monthly payments of $87.56 per $1,000 borrowed. For personal loans: At 9.74% APR, 24 monthly payments of $46.03 per $1,000 borrowed. For personal loans: At 10.24% APR, 36 monthly payments of $32.38 per $1,000 borrowed. For personal loans: At 10.74% APR, 48 monthly payments of $25.72 per $1,000 borrowed. For personal loans: At 11.24% APR, 60 monthly payments of $21.86 per $1,000 borrowed.
Type | APR
Home Improvement Loans | As low as 10.74% APR Up to 15-year term | Apply Now
APR is Annual Percentage Rate. Rates subject to change at any time without notice. Home Improvement Loan rates range from 10.74% to 12.74% APR. Rate advertised is the lowest rate available and include a 0.25% deduction for auto-pay from a Navigant Credit Union checking account. Interest rate and maximum loan term will be determined by individual creditworthiness. Rates are subject to change without notice. Payment example: A loan amount of $15,000 for 120 months has a payment range from $13.24/per $1,000 borrowed to $14.08/per $1,000 borrowed.
Cash Reserve Line of Credit | Cash Reserve Line of Credit offers the flexibility to meet your financial needs. Borrow what you need and enjoy the security of knowing cash is available for those expected or unexpected expenses that come along. Instant credit decision for line amounts up to $5,000 Competitive variable interest rate Alternative to carrying costly credit card balances No collateral required No cash advance or balance transfer fees Low annual fee of $15 | Apply Now
Type | Interest Rate | APY
Statement Savings | 0.09% | 0.10% | Apply Now
APY is Annual Percentage Yield. Your interest rate and APY may change after account is opened at any time without notice. Required Minimum Deposit Balance of $10.00 is required to earn APY.
Type | Interest Rate | APY
$50,000 or more | 2.57% | 2.60% | Apply Now
Minimum balance to open the account is $2,500. This is a tiered-rate account. Tier 1 balances of $0–$4,999.99 earn an APY of 0.15%. Tier 2 balances of $5,000–$9,999.99 earn an APY of 0.15%. Tier 3 balances of $10,000–$49,999.99 earn an APY of 2.45%. Tier 4 balances of $50,000 or more earn an APY of 2.60%. The advertised APY applies to Tier 4 balances. Rates may change after account opening. You must maintain a minimum daily balance of $2,500 to avoid a $10 low-balance fee. Fees may reduce earnings.
Type | Interest Rate | APY
$0 to $24,999.99 | 0.14% | 0.14% | Apply Now
$25,000 to $74,999.99 | 0.14% | 0.15% | Apply Now
$75,000 to $149,999.99 | 0.44% | 0.45% | Apply Now
$150,000 or more | 1.34% | 1.35% | Apply Now
APY is Annual Percentage Yield. Offer available to business accounts only. Minimum balance to open the account is $2,500. This is a tiered rate account. Tier 1 – balances between $0 – $24,999.99 will receive an APY of .14%; Tier 2 – balances between $25,000 – $74,999.99 will receive an APY of .15%; Tier 3 – balances between $75,000 – $149,999.99 will receive an APY of .45%; Tier 4 – balances of $150,000 or greater will receive an APY of 1.35%. Fees may reduce earnings. Interest credited monthly. Federally insured by NCUA.
Type | Interest Rate | APY
6 Months | 2.81% | 2.85% | Apply Now
9 Months | 2.81% | 2.85% | Apply Now
11 Months | 4.17% | 4.25% | Apply Now
12 Months | 2.81% | 2.85% | Apply Now
15 Months | 3.93% | 4.00% | Apply Now
18 Months | 2.57% | 2.60% | Apply Now
2 Years | 2.57% | 2.60% | Apply Now
2.5 Years | 2.57% | 2.60% | Apply Now
3 Years | 2.47% | 2.50% | Apply Now
4 Years | 2.33% | 2.35% | Apply Now
5 Years | 2.33% | 2.35% | Apply Now
APY is Annual Percentage Yield. A $500 minimum opening deposit is required to earn the advertised APY. Offer may be withdrawn at any time without notice. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Other rates and terms available.
Type | Interest Rate | APY
6 Months | 2.81% | 2.85% | Apply Now
9 Months | 2.81% | 2.85% | Apply Now
11 Months | 4.17% | 4.25% | Apply Now
12 Months | 2.81% | 2.85% | Apply Now
15 Months | 3.93% | 4.00% | Apply Now
18 Months | 2.57% | 2.60% | Apply Now
2 Years | 2.57% | 2.60% | Apply Now
2.5 Years | 2.57% | 2.60% | Apply Now
3 Years | 2.47% | 2.50% | Apply Now
4 Years | 2.33% | 2.35% | Apply Now
5 Years | 2.33% | 2.35% | Apply Now
APY is Annual Percentage Yield. A $500 minimum opening deposit is required to earn the advertised APY. Offer may be withdrawn at any time without notice. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Other rates and terms available.
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