Products and Services

Enjoy Life’s Journey

401.233.4700

navigantcu.org

Federally insured by the National Credit Union Administration.

Products and Services

Navigant Credit Union provides you with the products and

services you will need to meet your financial goals.

• Journe Rewards Checking • Personal Checking • Relationship Checking • CDs / IRAs • Share Savings • Money Market • Vacation Club • Christmas Club

Deposit

Business

Loan

• Personal Lines of Credit • Equity Lines of Credit

• Construction Loans • Unsecured Loans • Secured Share Loans • Mortgages

(Fixed & Adjustable Rates)

Business

• Quest Business Checking • Quest Business Money Market • Quest Business Line of Credit • Quest Business Online Banking • Quest Business Debit Card

• Business Credit Card • Real Estate Loans

• Working Capital Lines of Credit • Night Deposit

General

• Online Banking

• Online Account Opening • ATM/Debit Card

• Online Loan Applications • Personalized Debit Cards • Bill Payment

• Text & Mobile Banking • Electronic Statements • FinanceWorks

• Night Deposit • Safe Deposit Boxes • Direct Deposit • Money Orders • ACH Origination • Notary Public (Free) • Credit Cards • Telephone Banking • Overdraft Protection

Enjoy Life’s Journey

401.233.4700

navigantcu.org

Federally insured by the National Credit Union Administration.

• Retrieve account balances • Retrieve recent history • Low-balance alerts • Transfer funds between eligible accounts

• Check account balances • View recent transactions • Transfer funds

• Pay your bills (schedule & cancel)

Services for an Electronic World

Navigant Credit Union is proud to offer the Navigant Online

Virtual Branch. This is another way to bank with us. With

online banking you can do all your banking, anywhere, at

any time. Visit us at navigantcu.org.

• Free online money management tool to help you take control of your finances

• See where you’re spending your money

• View your complete financial picture across 16,000 + financial institutions and creditors

• Simplify tax time by tracking tax deductible transactions for both personal and business expenses

Online Banking

Online Account Opening allows you to open and fund accounts from the comfort of your own home. This means that no matter what kind of schedule you have, you will always have the option of conducting your financial business online and at your leisure.

Our online applications are safe, secure, and will provide you with an alternative to applying in person or over the phone.

Online Loan Applications

Online Account Opening

Electronic Statements

Electronic Statements are free and allow you to see your account statement online. It helps eliminate paperwork and gives you a quick, easy way to view, save or print your statement.

Bill Payment

• Pay bills any time, from any computer with internet access • Schedule a “one-time” payment as well as a “recurring” payment • When you use Bill Payment, paying your bills will take just minutes • No more writing checks, addressing envelopes, or buying stamps

FinanceWorks

Simply dial 401.233.3100 and enter your member number and PIN.

(personal ID number)

See the flow chart to the left for MoneyCentral features.

Text Banking

Mobile Banking

Enjoy Life’s Journey

401.233.4700

navigantcu.org

Federally insured by the National Credit Union Administration.

Navigant Credit Union actively participates and collaborates with local businesses, offering onsite services and providing your employees with financial products, resources and education.

• Up to $25,000 for qualified applicants

• Completed loan application approval in 72 hours or less

• Merchant Services • Payroll Services • Business Checking • Wire Transfers • Certificates of Deposit • Night Deposit

• Business ATM/Debit Card • Safe Deposit Boxes • Overdraft Protection • Share Savings

• Automated Telephone Banking • Business Credit Card

As a growing financial institution, we pledge to help you maintain

and grow a successful business. Our products and services are

delivered with an ease and efficiency that does not compromise our

competitive rates.

Business Performance Checking

• No monthly service charge • 250 transactions per month free

Business Balance Checking

• Average daily balance of $5,000 or a low monthly service charge

Quest Business Checking

Quest Money Market

• Tiered rates for higher interest earnings

$2,500 - $24,999.99 $25,000 - $74,999.99 $75,000 - 149,999.99 $150,000 or more

• No monthly service fees

• Quarterly or monthly statements available

Quest Business Loans & Lines of Credit

Bank at Work - A service for our Business Members

Enjoy Navigant Credit Union’s competitive line

of Products and Services:

Real Estate Financing

• Commercial real estate acquisition/refinancing • Investment property financing • Construction financing

Navigant Credit Union is also an approved SBA lender.

Lines of Credit

• Secured/unsecured business lines of credit for working capital needs

Term Loans

• Equipment Financing • Vehicle Loans

• Permanent Working Capital Loans

Business Lending

With Business Online Banking, you have immediate access to all your account information, 24 hours a day – 7 days a week.

Business Online Banking

Features of Basic Services:

• View account balance and activity • View cleared check images • Transfers

• Electronic statements

• Webconnect to Quickbooks®

• Additional Funds Transfer Services* • Electronic Bill Payment

• ACH origination/cash concentration

• Wire Transfer service

Enjoy Life’s Journey

401.233.4700

navigantcu.org

Federally insured by the National Credit Union Administration.

Also ask us about our Motorcycle Loan/RV/Boat loans!

Whether you are buying a new car or purchasing that boat you always

wanted, we know that buying can be overwhelming. Take comfort

knowing that a Navigant Credit Union representative will be with you

every step of the way.

We will work to arrange a loan that will fit into your budget. If you

have any questions about loan options or rates, you can log on to

navigantcu.org, contact our Call Center at 401.233.4700 or stop by

your local branch.

Additionally, Navigant Credit Union offers a .25% discount off fixed

installment loans with automatic payment from an active Navigant

Credit Union checking account.

Unsecured Personal Loan

• Maximum loan $10,000.00 • Term: 3 years maximum

• Fixed at competitive interest rates

Personal Line of Credit

• $50.00 Minimum monthly payment or 1.5% of loan balance (whichever is greater) • Variable interest rate based on Prime + index (based on credit risk)

• $10,000.00 limit- based on credit risk

• Line of Credit is available for a 5 year draw period

• Convenient Call Center Loan Applications 401.233.4700 • 24 Hour Online Loan Applications at navigantcu.org

• Apply in person at any of our Navigant Credit Union locations

Call our Call Center or refer to our Web site for the list of documents needed to start your application today. You can be sure that at Navigant Credit Union, you’ll receive the most member-friendly rates available anywhere.

Loan Applications

We offer financing or refinancing with flexible terms to fit your budget. Additionally, to give you piece of mind, we can protect your loan with Gap Insurance, Mechanical Repair Coverage and Payment Protection.

Auto Loans

New Vehicle

• Terms up to 72 months • 100% financing available

• Fixed at competitive interest rates

Used Vehicle

• Terms up to 60 months • 100 % financing available • Fixed at competitive interest rates

Enjoy Life’s Journey

401.233.4700

navigantcu.org

Federally insured by the National Credit Union Administration.

Home Equity Line of Credit Home Equity Loan What is the difference? Home Equity Lines allow you to tap into your equity immediately with flexible terms. If there is no

balance, there is no payment.

Term loans up to 15 years. A great option for expenses such as a home renovation, a wedding or debt consolidation.

How are the funds accessed? Funds can be accessed by using credit checks or _{making withdrawals.} Disbursement of funds vary on an individual _basis.

When is the payment due? Monthly payments are due monthly when there is

an outstanding balance. Scheduled payments are due weekly, bi-weekly or monthly for the life of the loan.

How do the interest rates differ? Interest rates are variable and subject to change based on the Prime Rate as published in the

Wall Street Journal. Interest rates are fixed for the term of the loan.

Options Benefits Rates and Terms

Fixed-Rate Monthly payments do not change for the life of the loan. Various rates and terms available.

Adjustable Rate A low introductory rate for an initial time period. After the intial introduction period, the interest rate is subject

to change based on market conditions. Various rates and terms available.

Jumbo Loans Used when financing an amount above conventional _{conforming loan limits.} Various rates and terms available.

First Time Home Buyers Low interest loans for people buying their first home. Various rates and terms available.

Home Equity Lines of Credit and Home Equity Loans

Mortgages

Purchasing a home is the single greatest financial commitment most of us make in a lifetime. Therefore, it is extremely important to make an informed decision when you decide on the mortgage product that fits you. At Navigant Credit Union our trained professionals are ready to explain the options available to you in securing a mortgage for your home. Call 401.233.4700 to speak with a mortgage originator today.

Enjoy Life’s Journey

401.233.4700

navigantcu.org

Federally insured by the National Credit Union Administration.

• No monthly or annual service charge • $10.00 minimum balance to open

• Interest paid and compounded monthly on $10.00 or more

Share/Savings Accounts

• No monthly or annual service charge • $2,500.00 minimum balance to open

• Interest paid and compounded daily at competitive interest rate

Money Market Accounts

• Offered in conjunction with the Relationship Checking account product • Tiered Money Market rate

• Minimum average daily balance of all deposit accounts must equal

$5,000.00 or greater to waive the monthly service fee. (refer to fee schedule)

Relationship Money Market Accounts

Vacation Club and Christmas Club Accounts

• By putting a little money in your Vacation or Christmas Club account throughout the year you won’t put unnecessary strain on your budget when it comes time for your vacation or holiday shopping

• You determine the frequency of your deposits; Weekly, Biweekly, Monthly • Checks are mailed automatically in April/October

Individual Retirement Accounts (IRAs)

Certificates of Deposit (CDs)

• 6 Month to 5 year CDs

• $500.00 minimum balance to open

• Interest compounded and paid monthly. Interest may be paid or transferred monthly to a share or checking account

• A penalty may be imposed for withdrawals before maturity

Opening your Traditional, Roth, or Coverdell Education IRA could be the most significant financial decision you make this year. With an opening deposit as low as $500.00 for an IRA CD, your money will grow while being protected.

Personal Checking

Earn an amazing annual percentage yield on the balance in your account up to $25,000 and receive ATM fee refunds nationwide up to $25 per qualification cycle. It’s as easy as 1-2-3:

1. Make 12 debit card purchases monthly

2. Set up 1 direct deposit or automatic payment from your account 3. Enroll to receive electronic statements

Journe Rewards Checking

• ATM fees refunded (up to $25.00 per month)

• One paid or insufficient funds fee refund per calendar year

• Minimum combination average daily balance of all deposit accounts of $5,000.00 waives the minimum balance fee (refer to fee schedule)

• Free money orders and cashier’s checks

Relationship Checking Account

E-Access Student Checking

• Free ATM Card/ Debit Card • Free Direct Deposit of Payroll • Free Internet Banking • Free Electronic Statements • Free Bill Payment

(Bill payers must be minimum of 18 years old)

• Free FinanceWorks

• Free Text and Mobile Banking • Overdraft Protection options • Automated Telephone Banking • .25% discount off consumer loans with automatic payment from an active Navigant Credit Union checking account

Navigant Credit Union Checking accounts also include

• Interest is paid on all accounts with only a $10.00 minimum balance • No service fee with direct deposit

• No service fee for members who are fifty years of age or over