Navigator Credit Union Daphne AL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Navigator in beautiful Daphne, AL! Located at 28520 Us Highway 98, our branch has been serving the community since 1939. With a strong commitment to our members, we take pride in being a trusted financial partner for over 46,000 individuals. At Navigator, we understand that financial decisions can be daunting, which is why we are dedicated to providing personalized service tailored to your needs. While you can visit us at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: P.O. Box 1647, Pascagoula, MS 39568-1647. At Navigator, our financial health speaks volumes about our commitment to you. We proudly manage assets totaling $411,852,327, with total deposits reaching $46,495,955 and a net worth of $60,079,404. Our efficient operations allow us to maintain a cash reserve of $8,906,274, ensuring we are always ready to assist you with your financial goals. Our CEO, Sonya Lawler, along with Board President Tommy Leonard, leads a dedicated team of 142 employees who are here to help you navigate your banking journey. Whether you're looking for auto loans, mortgage refinancing, or personal banking services like checking and savings accounts, we've got you covered! Join us in making smart financial choices together. Feel free to stop by or give us a call at (228) 475-7300 during our operating hours Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Let's work together towards building a brighter financial future! For more information about our services and offerings, visit us online at navigatorcu.org.

Branch History & Mission

Community Focus

Our commitment to ADA compliance ensures that all members can comfortably access our facilities and services. We are also proud to embrace digital advancements such as online banking and mobile applications that allow you to manage your finances anytime and anywhere. With operating hours Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM, we are here when you need us most. Whether you're looking for assistance with personal banking or business solutions, our knowledgeable team is ready to help you achieve your financial goals.

Join Us

As we continue this journey together, we invite you to become part of the Navigator family. Experience the difference of being a member-focused credit union where your financial well-being is our priority. Visit us today at our Daphne branch or explore more about what we offer at navigatorcu.org. Together, let's navigate towards a brighter financial future!

Our Journey

Navigator began its journey with a simple mission: to provide accessible financial services that empower individuals and families. From our humble beginnings, we have continually evolved to meet the needs of our members. We proudly offer a range of services, including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. Our branch is conveniently located at 28520 Us Highway 98, Daphne AL 36526, making it easy for our members to access essential services. With a drive-thru option and ATM availability, we strive to enhance convenience for all who visit us.

Our Mission

At Navigator, our mission goes beyond just offering financial products; we are committed to supporting our community through various outreach efforts and partnerships. We believe that by investing in our local neighborhoods, we can help build a stronger future for everyone. Our goal is to ensure that each member feels valued and supported on their financial journey. While members can visit us at 28520 Us Highway 98 Daphne Al 36526, official correspondence should be sent to P.O. Box 1647, Pascagoula, MS 39568-1647.

Branch Location & Accessibility

Accessibility Features

At our Daphne branch, we prioritize accessibility for all members. We offer ADA-compliant features including ramps and designated parking spaces to ensure everyone can easily access our services. If you prefer a drive-thru experience, we have that available as well!

Operating Hours

We're here to serve you Monday through Friday from 9:00 AM to 5:00 PM and on Saturday from 9:00 AM to 1:00 PM. This schedule is designed with your convenience in mind, allowing you to visit us during the week or on weekends.

Services Offered

Navigator Credit Union offers a range of banking services tailored to meet your needs from personal checking and savings accounts to auto loans and credit cards with rewards. Additionally, we provide ATM access for quick withdrawals and balance checks right at your fingertips. Whether you're visiting for a quick transaction or looking to explore your financial options, our friendly team is ready to assist you. Don't hesitate to call us at 228-475-7300 if you have any questions before your visit! We invite you to stop by and see how Navigator Credit Union can help you achieve your financial goals!

Member Eligibility

At Navigator, we believe that everyone deserves a place where they feel valued and supported. Joining our community is simple and welcoming! If you live, work, or worship in the areas served by Navigator, you may qualify for membership. We cater to individuals from diverse backgrounds, so whether you're just starting out or looking to enhance your financial journey, we're here for you. Becoming a member not only opens the door to fantastic banking options but also connects you with friendly faces ready to help you achieve your financial goals. To get started on your path to membership, visit us at our branch located at 28520 Us Highway 98 Daphne Al 36526 or give us a call at (228) 475-7300. For more detailed eligibility criteria, feel free to check out the information available at . When you're ready to open an account, you can easily find everything you need by visiting https://loans.navigatorcu.org/ . We can't wait to welcome you into the Navigator family!

Business Banking & Commercial Services

Loan Options That Make a Difference

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $7 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $1,751,528, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing, allowing you to focus on what matters most running your business. Imagine accepting payments easily from customers, whether in-store or online, without the hassle of complicated systems. This not only streamlines your operations but also enhances customer satisfaction. Visit us at 28520 Us Highway 98 Daphne Al 36526 in Daphne, AL, or call us at (228) 475-7300 to explore how our business banking solutions can fuel your success!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, we've got you covered too! Our Business Banking services include merchant services that simplify transactions for your customers and business loans that support your growth ambitions. We believe in helping local businesses thrive by providing essential financial tools and resources.

Credit Cards and Rewards

Don't forget about our Credit Cards with Rewards, which offer benefits tailored to fit your lifestyle. Whether you enjoy cash back on purchases or travel rewards, there's a card for everyone.

Digital Convenience at Your Fingertips

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features, allowing you to manage your accounts anytime, anywhere. With easy online access for transfers, bill payments, and account monitoring, banking has never been simpler. You can also take advantage of our ATM and cash withdrawal services for quick access to your money whenever you need it.

Drive-Thru and ATM Services

Our branch also features basic drive-thru banking for deposits and withdrawals along with ATM access for balance checks and cash withdrawals perfect for those busy days when you're on the go! Whether you're visiting us at our location at 28520 Us Highway 98 Daphne Al 36526 in Daphne, or calling us at (228) 475-7300, we're here to assist you with all of your financial needs. Come experience the difference at Navigator where community matters! Ready to take the next step? Visit us today or check out our website at Daphne for more information on how we can help you achieve your financial goals!

Personal Banking Made Easy

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services, including checking and savings accounts designed to help you save for your future while enjoying easy access to your funds. If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing options make it simple to get behind the wheel with competitive rates and flexible terms. For those thinking about homeownership, our Mortgage Loans & Refinancing services provide guidance through the process of buying or refinancing your home. Additionally, if you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation options can help lighten the financial load.

Digital & Online Banking

Key Features

Our online banking service offers 24/7 access, ensuring that you can check your account balances, make transfers, and pay bills whenever it suits you. If you're looking for a quick way to send money to friends or family, our person-to-person transfer feature makes it effortless. Just a few taps on your device, and the money is on its way! For those who prefer going paperless, we offer e-statements that allow you to view your financial statements electronically saving trees and keeping things organized. Plus, if you ever need to sign documents quickly, our electronic signature authorization feature allows you to do so securely from anywhere.

Mobile Application

Stay connected with our mobile application, which brings all these features right to your smartphone. Whether you're making payments or checking balances on the go, our app has got you covered. While mobile payments aren't available yet, we are continuously improving our services to meet your needs. In today's fast-paced world, easy access to your financial information is essential. That's why Navigator prioritizes security in all our digital offerings. We want you to feel safe while banking online so you can focus on what matters most your life. Join us today and experience the ease of managing your finances digitally with Navigator!

Financial Strength

Commitment to Growth

With $56,236,413 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $5,952 in used auto loans and $276,832,295 in total loans and leases. Our operational efficiency is reflected in our net income of $1,769,223, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 142 full-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Member-Centric Savings Options

Members' savings are secured through $64,172,535 in share certificates and $22,509,634 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. We ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Health

With a net worth of $60,079,404, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1458 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Foundations

Net Shares (Funds available for lending and investments): $11,880,132. Total Share and Deposit Accounts: 151,425, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Navigator is your trusted partner. Visit us at 28520 Us Highway 98 Daphne AL 36526 or call 228-475-7300 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $113,650,805 in used vehicle loans and $39,023,114 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable used one, we have options that fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $1,751,528 provide the capital needed to grow and expand. We understand that every business has unique requirements and are here to support you with tailored solutions. At Navigator, we also offer refinancing options across various products so you can potentially lower your payments or access cash when needed. If you're considering any of our loan products or want to know more about eligibility requirements, feel free to reach out! For assistance or more information about our loan offerings, call us at (228) 475-7300. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your journey toward financial empowerment starts here!

Credit Card Loans

Managing daily expenses can be easier with our flexible terms on unsecured credit card loans. With a total of $8,715,343 in loans helping members manage their finances effectively, our credit cards come with features that make spending manageable while also rewarding you for your purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $6,477,893, make buying or refinancing simple. We aim to guide you through every step of the process, ensuring you understand all your choices and can select the best one for your needs.

Loan Aggregator

Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach ensures that all offers are fair and transparent, giving users peace of mind when making financial decisions.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information you see reflects accurate rates and terms. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every user has equal access to the best available loan options. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. This means you can act promptly when you find an offer that suits your needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials underline the value of using a reliable tool like LendMesh. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

NAVIGATOR FEDERAL CREDIT UNION - Daphne, AL