Navigator Credit Union Mobile AL | Best Auto Loans & Quick Personal Banking

Introduction

Welcome to Navigator Credit Union, where our commitment to serving you has been steadfast since our establishment in 1939. Located at 5229 Cottage Hill Rd, Mobile, AL 36609, we pride ourselves on being a trusted financial partner for over 46,900 members in our community. At Navigator, we understand that banking is not just about numbers; it's about relationships and making a positive impact on the lives of our members. Under the leadership of our dedicated CEO, Sonya Lawler, and Board President Tommy Leonard, we have grown to manage total assets of $411,852,327 and provide a wide range of services tailored to meet your needs. With total loans amounting to 27,282 and deposits reaching $46,495,955, we are here to help you achieve your financial goals with confidence. While you can always visit us at our branch location, please note that official correspondence should be sent to our mailing address: P. O. Box 1647, Pascagoula, MS 39568-1647. At Navigator Credit Union, we offer various services including personal banking accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Our experienced team of 142 employees is here to guide you every step of the way whether you're looking for guidance on saving for a new home or need assistance with day-to-day banking. We invite you to reach out by calling us at (228) 475-7300 or visiting our website at Navigator Credit Union. Your journey toward financial wellness starts here let's navigate it together!

Branch History & Mission

Community Engagement

Navigator actively participates in various outreach initiatives aimed at supporting local causes and building strong connections within Mobile. We partner with schools and community organizations to promote financial literacy and provide resources for those in need. Our goal is not only to serve as a financial institution but also as a pillar of support for the community we cherish. If you need assistance or have questions about our services, feel free to reach out at (228) 475-7300. While members can visit us at 5229 Cottage Hill Rd, official correspondence should be sent to P.O. Box 1647, Pascagoula, MS 39568-1647 if necessary.

Join Us Today!

As we continue this journey together, we invite you to become part of the Navigator family. Experience the benefits of membership where your financial well-being is our top priority. Come visit us 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 and see how we can assist you on your path toward financial success!

Our Mission

At Navigator, our mission goes beyond just providing banking services. We aim to uplift our community by offering personalized financial solutions that help individuals and families achieve their goals. Our commitment includes everything from personal banking like checking and savings accounts to auto loans, mortgages, and business banking services. We believe in fostering relationships based on trust and support, ensuring that every member feels valued. Our team is dedicated to making your banking experience as smooth as possible. We understand the importance of digital advancements in today's world; hence, we have invested in online banking and mobile app services to keep you connected anytime, anywhere. Additionally, our branch is ADA compliant and features amenities like drive-thru service for those who prefer convenience.

Branch Location & Accessibility

Convenient Operating Hours

We understand that life can be busy, which is why our doors are open Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 1:00 PM. Whether you're looking to open a new account or need assistance with loans or credit cards, our friendly staff is here to help during these hours.

Our Commitment to Accessibility

At the Cottage Hill branch, we prioritize accessibility for everyone. Our facility is designed to be welcoming with ADA-compliant features and ramps for easy entry. Plus, we offer ample parking right outside, ensuring a smooth experience from start to finish.

Services Tailored for You

The Cottage Hill branch offers a variety of services tailored to fit your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have you covered. For those on the go, we also provide ATM access and drive-thru banking for quick transactions without leaving your vehicle. While members can visit us at 5229 Cottage Hill Rd, official correspondence should be sent to P.O. Box 1647 in Pascagoula, MS. If you have any questions or need assistance, don't hesitate to reach out at 228-475-7300. Come visit us today at Navigator Credit Union's Cottage Hill branch where your financial journey begins! We look forward to serving you!

Member Eligibility

Becoming a member of Navigator is like joining a caring family where your financial well-being is our top priority. To qualify, you simply need to live, work, worship, or attend school in the areas we serve. We believe that everyone deserves access to quality financial services and a supportive community, so if you're interested in enhancing your financial journey, you're likely eligible! For more detailed information about the specific criteria, feel free to visit our website at . Once you know you're eligible, opening an account with us is straightforward and welcoming. You can easily start the process by visiting our account opening page at https://loans.navigatorcu.org/. If you have any questions along the way, don't hesitate to reach out at (228) 475-7300 we're here to help! Join us at our branch located at 5229 Cottage Hill Rd Mobile Al 36609, and let's work together towards your financial goals!

Business Banking & Commercial Services

Business Loan Options

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.

Merchant Services

Imagine having a reliable partner to handle your payment processing while you focus on running your business. Our merchant services provide seamless transactions, making it easier for you to accept payments from your customers. This not only enhances customer satisfaction but also streamlines your cash flow, allowing you to reinvest in what matters most growing your business. Visit us at 5229 Cottage Hill Rd Mobile Al 36609 in Mobile, AL or call us at (228) 475-7300 to explore how our business banking and commercial services can support your success today!

Comprehensive List Of Services

Business Banking Solutions

For entrepreneurs and small business owners, we understand the importance of reliable banking solutions. Our business banking services, including merchant services and business loans, are designed to support your growth and success. From accepting payments seamlessly to getting the funding needed for expansion, we're here to help.

Connect With Us

At Navigator, we aim to make banking as accessible as possible. For more information about any of these services or to get started with your financial journey today, give us a call at (228) 475-7300. We invite you to visit us at our branch in Mobile, AL 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. Explore how we can assist you in achieving your financial goals!

Convenient Access

In addition to our comprehensive services, access is key. Enjoy easy ATM withdrawals and basic drive-thru banking services where you can handle deposits, withdrawals, and simple transactions without hassle. Our branch also features an ATM for quick cash access whenever you need it.

Credit Cards with Benefits

Don't forget about our credit cards with rewards! These cards not only offer convenience but also allow you to earn points on every purchase. Imagine enjoying cash back or travel rewards just for using your credit card for daily expenses.

Financing Your Dreams

Are you considering buying a new car or refinancing your home? We offer auto loans and vehicle financing that cater to various budgets, making it simple for you to drive away in the car of your dreams. Our mortgage loans and refinancing options are designed to help you secure the best rates available, whether you're purchasing your first home or looking to refinance your existing mortgage. If you're facing unexpected expenses or wish to consolidate debt, our personal loans can provide the financial relief you need. With flexible terms and competitive rates, navigating life's financial challenges becomes much easier.

Personal Banking Made Easy

Whether you're opening your first checking account or looking for a high-yield savings option, our personal banking services are tailored for you. With checking and savings accounts, you can manage your everyday transactions with ease. Imagine having access to your funds anytime through our user-friendly online and mobile banking platforms perfect for checking balances, transferring money, or paying bills while on the go.

Digital & Online Banking

Accessibility and Ease-of-Use

At Navigator, we believe banking should fit into your lifestyle without hassle. Our user-friendly interface ensures that navigating through your accounts is straightforward. Whether you're tech-savvy or just getting started with online banking, you'll find it easy to manage everything in real-time. With our commitment to providing accessible and efficient services, managing your finances has never been easier. Experience the convenience of digital banking with us today!

Key Features

One of the standout features of our online banking is the ability to sign documents electronically through our electronic signature authorization. This means no more printing or mailing forms; you can complete transactions right from the comfort of your home. We also provide e-statements, allowing you to view your account statements digitally. This not only helps you stay organized but also reduces paper clutter. Plus, if you're looking for a quick way to send money to friends or family, our person-to-person transfer feature makes it simple and fast. For those who prefer banking on-the-go, our mobile application is available for download. It offers all the functionalities of online banking right in your pocket! You can manage your accounts, deposit checks, and even use mobile payments for purchases all from your smartphone.

Financial Strength

Growing Membership Trust

With a total of 151,425 share accounts, we showcase a growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $11,880,132, demonstrating our capability to meet your needs effectively. 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 5229 Cottage Hill Rd Mobile Al 36609 or call (228) 475-7300 to learn more about how we can help you achieve your financial goals.

Investing in Member Success

Our impressive $56,236,413 in undivided earnings allows us to reinvest in innovative banking tools and stronger lending options, enhancing the services we offer to our valued members. With $5,952 in used auto loans and $276,832,295 in total loans and leases, we support your financial goals across various sectors.

Operational Efficiency

Our reported net income of $1,769,223 highlights our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products tailored for you. We also take pride in having 142 full-time employees ready to assist you at all times, ensuring personalized service whenever you need it.

Secure Savings Options

Members' savings are well-protected through $64,172,535 in share certificates and $22,509,634 in money market shares. These options provide stable and rewarding financial growth opportunities for our members. Unlike traditional banks, we focus our resources on benefiting you reflecting our commitment to prioritizing your needs.

Strong Capital Foundation

With a net worth of $60,079,404, we maintain robust financial health. This strong foundation allows us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,458 further demonstrates our solid capital position, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even during economic uncertainties.

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. We provide financing options for both new and used vehicles, ensuring you can drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $1,751,528 provide the capital needed to grow and expand. We understand the unique challenges of running a business and offer tailored financing solutions that can help you succeed. If you're interested in learning more about our loan offerings or checking your eligibility, please don't hesitate to reach out at (228) 475-7300. Our dedicated team is here to assist you from Monday to Friday between 9:00 AM and 5:00 PM, and Saturday from 9:00 AM to 1:00 PM at our branch located at 5229 Cottage Hill Rd Mobile Al 36609 in Mobile, AL. 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 financial journey starts here let's find the right loan for you today!

Credit Card Loans

We also offer 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 various benefits to suit different lifestyles while providing you with the purchasing power you need.

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 offer tailored solutions that can help you secure your dream home or lower your current mortgage payments through refinancing.

Loan Aggregator

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Ensuring Accurate 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 commitment ensures that every loan offer presented on LendMesh is fair and transparent. By relying on verified financial institutions, users can trust that they are seeing legitimate offers that reflect current market conditions.

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