Navigant Credit Union Lincoln RI | Top Auto Loans & Business Banking

Introduction

Welcome to Navigant, your trusted financial partner located at 185 Front St, Lincoln, RI 02865. Since our establishment in 1915, we have been dedicated to serving our community with exceptional banking solutions tailored to meet your needs. With a membership base of over 155,000 individuals and total assets exceeding $3.88 billion, we pride ourselves on being a pillar of support for our members. At Navigant, we understand that every financial journey is unique. That's why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Our commitment to you goes beyond numbers; it's about building relationships and supporting the local economy. We currently hold more than $179 million in deposits and have issued approximately 69,065 loans to help our members achieve their financial goals. Led by our CEO, Kathleen Orovitz, and Board President James Salome, our team of 406 employees is here to provide personalized service that makes banking easier for you. You can reach us anytime at 401-233-4300 or visit us online at navigantcu.org for more information. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to our mailing address: 1005 Douglas Pike, Smithfield, RI 02917-1206. Join us today and experience the Navigant difference where your financial success is our top priority!

Branch History & Mission

At Navigant, our journey began in 1915 in Lincoln, Rhode Island. Over the years, we have grown from a small community-focused organization into a robust financial institution with over 155,000 members and total assets exceeding $3.88 billion. Our branch at 185 Front St, Lincoln, RI 02865 has been a cornerstone of this community for over a century, providing essential banking services while fostering meaningful relationships with our members. Navigant's mission is simple yet powerful: to empower our members and enhance their financial well-being. We believe that everyone deserves access to quality financial services that help them achieve their goals whether it's buying a home, financing a vehicle, or saving for the future. Our commitment to community support goes beyond just providing loans and accounts; we actively engage in outreach programs and partnerships that uplift our local neighborhoods. While members can visit us at our Lincoln branch, official correspondence should be sent to 1005 Douglas Pike, Smithfield, RI 02917-1206. Our branch offers convenient operating hours Monday through Wednesday from 9 AM to 4 PM, Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 12 PM making it easy for you to manage your finances when it suits you best. In addition to traditional banking services like checking and savings accounts, auto loans, mortgages, and credit cards with rewards, we have embraced digital advancements. Our online banking platform allows you to bank anytime and anywhere. You can also take advantage of features such as mobile payments and person-to-person transfers that make managing your money easier than ever. With an ATM available on-site and drive-thru banking for quick transactions, we prioritize convenience for our members. We are proud of our dedication to ADA compliance and ensuring that all individuals have equal access to our services. As we look toward the future, Navigant remains committed to being a trusted partner in your financial journey. We invite you to experience the benefits of membership with us join today and become part of a community that cares about your success! For more information or assistance, feel free to call us at 401-233-4300 or visit our website at navigantcu.org.

Branch Location & Accessibility

Convenient Access

When you visit us at our Lincoln branch, you'll find ample parking available, making it easy to pop in. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and entryways to ensure everyone can access our services comfortably.

Get in Touch

We're excited to serve you! If you have any questions or need further information about our services before your visit, feel free to give us a call at 401-233-4300. Come see us soon; we look forward to helping you with all your banking needs!

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Wednesday from 9 AM to 4 PM, Thursday from 9 AM to 5 PM, and Friday from 9 AM to 6 PM. If you're in a hurry or prefer not to come inside, take advantage of our drive-thru banking services available Monday through Thursday from 8 AM to 5 PM and Friday from 8 AM to 6 PM. On Saturdays, we're open for a few hours as well, from 9 AM to noon.

Services Offered

At Navigant, we offer a variety of banking services tailored to meet your needs. From personal checking and savings accounts to auto loans and mortgages, we've got you covered. Our ATM is available for quick withdrawals and balance checks anytime you need it. Plus, our friendly staff is always ready to assist with any questions or transactions you may have. While members can visit us at our branch address, official correspondence should be sent to our mailing address: 1005 Douglas Pike, Smithfield, RI 02917-1206.

Member Eligibility

At Navigant, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easy and inclusive! If you live, work, or worship in the areas we serve, you're likely eligible to join us. Our membership extends to family members of existing members as well, so you can bring your loved ones into this supportive financial family. By choosing Navigant, you'll enjoy personalized services and tailored financial solutions that truly meet your needs. For more detailed eligibility information, feel free to visit our website at . Opening an account with us is just as simple! You can start your journey toward membership by visiting our account opening page here: http://www.navigantcu.org/personal/new-account/. If you have any questions or need assistance, don't hesitate to reach out to us at (401) 233-4300. We're here to help you every step of the way!

Business Banking & Commercial Services

Commercial Loans

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $776 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $14 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $264,481,715, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Additionally, we offer merchant services tailored to streamline daily operations. Imagine accepting payments quickly and easily whether it's through card transactions or mobile payments our solutions make it simple for businesses like yours to thrive. You focus on what you do best; let us handle the financial details. Visit us at 185 Front St Lincoln Ri 02865 in Lincoln, RI, or call us at (401) 233-4300 to learn more about how our business banking services can empower your venture!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, our Business Banking services include essential features like Merchant Services & Business Loans. Whether you're starting out or looking to expand, we provide the financial backing necessary to fuel your growth.

Connect With Us!

We invite you to visit us at Navigant in Lincoln, RI, where our friendly staff is ready to assist you with any questions about our services. You can reach us at (401) 233-4300 during business hours: Monday through Wednesday from 9 AM - 4 PM; Thursday from 9 AM - 5 PM; Friday from 9 AM - 6 PM; and Saturday from 9 AM - 12 PM. Explore how we can help secure your financial future today by visiting our website at Lincoln or stop by for a chat!

Credit and Loan Options

At Navigant, we know life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation solutions that can help you regain control of your finances. Whether it's consolidating debt into one easy payment or funding a special project, we're here for you. Don't forget about our Credit Cards with Rewards! They not only give you purchasing power but also reward you for every dollar spent. With points redeemable for travel, merchandise, or cash back, every purchase counts towards something bigger.

Digital and Convenient Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking options that allow you to manage your accounts anytime, anywhere. Need to check balances or transfer funds? Just log in from your phone or computer! Our ATM & Cash Withdrawal Services ensure you have access to cash when you need it most. If you're on the go but still need banking services, take advantage of our Basic Drive-Thru Banking for quick deposits and withdrawals without leaving your car. Our ATMs provide easy access for balance checks and cash withdrawals.

Personal Banking Solutions

When it comes to personal banking, Navigant offers a variety of options tailored to fit your lifestyle. We understand that managing finances can be challenging, which is why our Checking & Savings Accounts are designed with flexibility and accessibility in mind. Imagine having a checking account that not only keeps your money safe but also helps you earn interest over time. For those dreaming of a new car, our Auto Loans & Vehicle Financing make it easy to get behind the wheel without breaking the bank. Picture driving off in your dream vehicle with manageable monthly payments that fit comfortably within your budget. If you're considering buying a home or refinancing an existing mortgage, our Mortgage Loans & Refinancing options are available to guide you through the process with competitive rates and personalized service.

Digital & Online Banking

In today's fast-paced world, convenience and security are paramount when it comes to managing your finances. At Navigant, we understand this need and offer a range of digital and online banking services designed to make your banking experience smooth and secure. Whether you're at home or on the go, our platform allows you to manage your accounts effortlessly. With our online banking services available 24/7 at https://navigantcu.org/, you can access your account anytime, anywhere. Checking balances, transferring funds, or paying bills is just a few clicks away. Plus, our mobile application makes banking even more accessible; it's like having a branch in your pocket! You can also enjoy the ease of mobile payments, allowing you to make quick transactions without the hassle of cash or cards. We prioritize your security with features such as electronic signature authorization, ensuring that your transactions are safe and protected. You can opt for e-statements to keep track of your finances without the clutter of paper statements another step toward a more eco-friendly approach! If you're looking to send money quickly to friends or family, our person-to-person transfer feature makes it easy and efficient. Managing your finances should be straightforward and stress-free. With our user-friendly tools at Navigant, you can stay on top of your financial goals with ease. Experience the benefits of modern banking with us today!

Financial Strength

Growing Trust

Total Share Accounts stand at 259,914, showing a strong and growing member base that trusts us with their finances. Our Net Shares (funds available for lending and investments) amount to $0, further demonstrating our commitment to your financial success. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Navigant is your trusted partner. Visit us at 185 Front St Lincoln Ri 02865 or call (401) 233-4300 to learn more about how we can help you achieve your financial goals.

Member Savings and Investment

Members' savings are secured through $1,135,822,325 in share certificates and $999,259,680 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $11,912,607, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 395 full-time employees and 11 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Member Services

With $356,189,592 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is significant, with $32,638 in used auto loans and $3,279,792,139 in total loans and leases supporting our members' financial goals across various sectors.

Strong Net Worth

With a net worth of $378,533,274, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $975 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $569,575,410 in used vehicle loans and $210,374,998 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles, ensuring you find what suits you best.

Business Loans

For business owners, our outstanding commercial loans totaling $264,481,715 provide the capital needed to grow and expand. We know that running a business comes with its own set of challenges and we're committed to providing tailored solutions to help you succeed. If you're considering refinancing or exploring eligibility options for any of our loan products, feel free to reach out! We're here to assist you every step of the way. For more information about our loan offerings or to get started with an application, call us at 401-233-4300 or visit us at 185 Front St Lincoln RI 02865. Your financial journey starts here at Navigant!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $204,119,088, make buying or refinancing simple. We're here to guide you through the process and help you secure a loan that fits your budget and lifestyle.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. While we currently have no outstanding unsecured credit card loans, our approach is designed to help members manage their finances effectively when they do choose this option.

Loan Aggregator

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