Deal Summary

Required minimum deposit of $500, short term APY rate of 0.20%, 0.90% APY for longest term of 5-years, special CD’s available with higher APY rates up to 1.00%

Navigant Credit Union’s Top CD Rates

The top CD rate for a regular Certificate of Deposit is 0.90% for a 5-year term and 1.00% for special promotional CD’s.

The APY for the shortest term tiers with a minimum deposit of $500 is 0.20% which increases by 0.05%-0.10% per tiered term.

6-15 month terms are the shortest available tier and yield an APY of 0.20%. 18-month terms yield 0.40% dividends. 2-2.5 year terms yield an APY of 0.40%.

3-year terms have an APY of 0.50%. 4-year terms have an APY of 0.65%. There is a 0.25% increase between the 4-year and 5-year terms that bumps the APY from 0.65% up to 0.90%.

There are applicable penalties for early withdrawals and deposits made before the maturity of the CD which may negatively affect earnings.


New and existing members of Navigant Credit Union must make a $500 deposit to open a CD with the credit union. To become a new member you can visit a branch or sign up online. You must live or work within the member service area in Rhode Island.

Branches in Rhode Island

Central Falls, East Greenwich, Lincoln, Riverside, North Smithfield, Warren, Warwick, Cumberland, Manville, East Providence, Smithfield, Woonsocket, Chepachet, Greenville, Pawtucket, Scituate, South Kingstown

Bank Overview

Navigant Credit Union is a Rhode Island based, member owned financial institution that provides accessible and affordable financial services. Their financial products are geared for both personal banking and business banking.

Their mission is to improve the financial wellness and stability of members throughout the Rhode Island community to build a better future for all residents. Among their members are individuals, families, and small businesses that reside in Rhode Island. They have served their community for over 105 years so far.

From humble beginnings to the current day where they now manage $2.5 billion in assets, they have stayed consistent with their mission of giving back to the community. The employees and bankers at Navigant Credit Union live, shop, worship, and learn in the same community as their members. They were voted the best place to work in Rhode Island in 2019 and for five years prior by a local Rhode Island newspaper. 

They give back to their community every year by donating over $250,000 in higher education scholarships to students as well as hosting financial literacy learning programs for youth and adults. The services that they provide are specialized and personalized.

Credit unions are community owned which means that when you bank with Navigant Credit Union you have a voice in the institution and in the community that they serve. Staying up to date with the times, they have integrated modern innovation into their services with user-friendly mobile banking and text banking.