Navigant Credit Union⁚ Lien Code and Key Information
Navigant Credit Union, headquartered in Smithfield, Rhode Island, uses various lien codes. For specific lienholder information, contacting the Title Department is advised. You can reach them at 804-323-6000, ext. 1710 or via email at lendingoperationstitlevacu.org. Statutory liens may also apply, granting the credit union ownership rights in cases of debt default.
Overview of Navigant Credit Union
Established in 1915, Navigant Credit Union, a state-chartered, federally insured credit union (FISCU), is headquartered in Smithfield, Rhode Island. The credit union operates as a not-for-profit institution, prioritizing its members by offering better rates, rewards programs, and tailored financial products to aid their financial growth. Navigant Credit Union emphasizes personalized service, with financial experts providing guidance both in branch locations and through online platforms. The institution prides itself on being a member-focused organization, striving to approve requests and assist members in achieving their financial goals. Navigant Credit Union is recognized for its commitment to the community, providing comprehensive banking solutions designed for both personal and business needs. The credit union’s services include a variety of financial products, from savings and loans to mortgages and ATMs. With a history rooted in Rhode Island, Navigant Credit Union offers local banking expertise with a member-first approach, ensuring tailored solutions to meet the diverse needs of its clientele. The credit union’s dedication to its members’ financial well-being is a core tenet of its operations.
Navigant Credit Union’s Charter and Insurance Details
Navigant Credit Union operates under Charter Number 62882, signifying its establishment as a state-chartered credit union. As a federally insured credit union (FISCU), it provides members with the assurance that their deposits are protected through the National Credit Union Administration (NCUA). This federal insurance coverage became effective on July 1, 1975, reinforcing the credit union’s commitment to financial security and stability. Navigant Credit Union’s status as a state-chartered institution underscores its adherence to Rhode Island regulations, while its federal insurance ensures its members’ funds are safeguarded up to the maximum insured amount. The credit union’s operational framework is built upon the principles of regulatory compliance and financial responsibility. The institution’s charter and insurance details provide a foundation of trust, assuring members that their financial interests are protected. These details are integral to Navigant Credit Union’s overall commitment to providing a safe and reliable banking experience for all its members, reinforcing its position as a trustworthy financial institution within the community. The credit union’s financial strength is further reinforced by being part of the peer group of institutions with assets exceeding 500 million.
Navigant Credit Union’s Routing Numbers
Navigant Credit Union utilizes several routing numbers to facilitate various types of financial transactions. The primary routing number, often used for Automated Clearing House (ACH) transactions, including direct deposits, is 211590192. Additionally, routing number 211589828 is also associated with Navigant Credit Union and is used for ACH and Fedwire transfers. These nine-digit codes, also known as ABA numbers or routing transit numbers (RTN), are essential for identifying the financial institution during electronic fund transfers. These numbers can typically be located at the bottom of checks issued by Navigant Credit Union. It’s important to note that different routing numbers may be used for specific purposes, such as ACH transactions versus wire transfers. Navigant Credit Union’s routing numbers ensure the seamless processing of transactions and are a crucial component of its banking operations. Members should verify they are using the correct routing number for the intended transaction, especially when setting up direct deposits or wire transfers. These numbers are fundamental for the proper routing of funds through the banking system. These numbers guarantee that financial transactions are routed correctly. The availability of multiple routing numbers underscores the credit union’s adaptability and commitment to providing comprehensive banking services.
Lien Information and Statutory Rights
Navigant Credit Union, like other financial institutions, possesses certain rights related to liens on property. A lien grants the credit union the right to claim ownership of a property if a debtor defaults on their debt. These rights can arise from contractual agreements as well as statutory liens, which are created by federal or state law. Navigant Credit Union may exercise these rights in situations where members fail to meet their financial obligations, allowing them to secure their interests. However, there are exceptions to these lien rights, such as Individual Retirement Accounts (IRAs) or debts created through consumer credit card transactions, although consensual security interests may still apply. It’s crucial for members to understand that while Navigant Credit Union has the right to a statutory lien, this does not override other agreements or exceptions. These rights are a critical aspect of the credit union’s ability to manage risk and protect its assets, ensuring financial stability for its members and the institution as a whole. The application of these rights is governed by both contract law and applicable statutes, providing a legal framework for debt recovery. Members should familiarize themselves with their contract terms and applicable laws related to liens.
Navigant Credit Union’s Services and Products
Navigant Credit Union offers a wide array of services and products designed to meet the diverse financial needs of its members. These offerings range from basic checking and savings accounts to more specialized products like Certificates of Deposit (CDs) for those looking to grow their savings. The credit union also provides various loan options, including fixed-rate loans, which maintain a consistent interest rate throughout the loan term, providing stability and predictability in payments. In addition, Navigant Credit Union emphasizes digital banking options, including online and mobile access, to enhance member convenience. They offer accounts tailored for specific demographics, such as the “Embark Account” for young adults aged 13-22. They also provide reward programs and competitive rates to improve member benefits, such as the “Journey Rewards Checking” account that offers a high APY and ATM fee refunds. Navigant Credit Union focuses on providing a comprehensive suite of financial solutions with a dedication to service and member satisfaction. Their products cater to both personal and business banking needs, emphasizing community and financial well-being for their members.
Navigant Credit Union’s Branch Locations and Contact Information
Navigant Credit Union operates numerous branch locations across Rhode Island, ensuring convenient access for its members. The main address for Navigant Credit Union is 1005 Douglas Pike, Smithfield, RI 02917. Additionally, a new branch has recently opened in North Kingstown at 1041 Ten Rod Road, marking their 26th physical location. Other branches include one in Greenville at 468 Putnam Pike. Members can contact Navigant Credit Union through their call center, which is available at both local and toll-free numbers. The local number is 401-722-2212, and the toll-free number is 800-298-2212. The call center operates Monday through Friday from 8⁚00 AM to 5⁚00 PM, and on Saturdays from 8⁚30 AM to 12⁚00 Noon. For mail correspondence, the address is 1200 Central Avenue, Pawtucket, RI 02861. It’s important to note that email is not a secure method for sharing sensitive information. To ensure accurate information, always check the operating hours before visiting a specific branch, as they may vary.
Navigant Credit Union’s Charitable Foundation
The Navigant Credit Union Charitable Foundation, established in 2019, operates as an autonomous 501(c)3 charity. This foundation enhances the credit union’s community impact through substantial contributions to various worthy causes. The foundation’s work is made possible by the generous donations of Navigant Credit Union members. In 2024, the foundation awarded over $570,000 in direct grants, and since 2022, it has distributed nearly $1.5 million. The Navigant Credit Union Charitable Foundation is dedicated to making a significant difference through financial support to local organizations. The foundation’s goal is to create a positive impact within the community by supporting initiatives that align with its mission. The foundation embodies the credit union’s commitment to not only providing financial services but also to fostering community growth and well-being. Through its charitable work, the foundation demonstrates that every member contribution can make a difference, thereby strengthening local communities. The foundation plays a crucial role in Navigant’s broader social responsibility efforts.
Navigant Credit Union’s Digital Banking Options
Navigant Credit Union provides a range of digital banking options to cater to the needs of its tech-savvy members. They offer online banking, which enables members to manage their accounts, transfer funds, and pay bills from the convenience of their own devices. For younger members, the credit union offers the ‘Embark Account,’ a digital-focused account designed for those aged 13-22, emphasizing financial independence and security. This account is offered with no fees, providing an attractive option for teenagers and young adults. Additionally, Navigant promotes a user-friendly mobile banking experience that allows members to access their accounts and perform transactions on the go. Navigant Credit Union also utilizes text alerts to notify members of possible fraudulent activities, with alerts coming from the number 49447. The credit union’s commitment to digital banking is designed to enhance convenience, accessibility, and security for its members, allowing them to manage finances effectively. The emphasis on digital solutions reflects Navigant’s adaptation to evolving customer needs in the modern banking landscape. These services aim to provide a seamless banking experience.
Navigant Credit Union’s Loan Services and Fixed Rate Information
Navigant Credit Union offers a variety of loan services, including fixed-rate loans, which maintain their original interest rate throughout the loan’s life. This means that the monthly payments will remain stable, except for potential adjustments in charges like insurance or taxes. The stability provided by fixed-rate loans helps members manage their budgets effectively. Navigant also enables members to make loan payments conveniently through one-time or recurring ACH payments. They also offer options for setting up recurring or one-time transfers through online banking. This makes loan repayment convenient and straightforward. The credit union also provides opportunities for members to benefit from the equity they have earned in their homes, through home equity loans. These loans can be used for home improvements, debt consolidation, travel, or education. Navigant also offers the ability to pay your loan quickly and easily. Their commitment to helping members achieve their financial goals is reflected in their diverse range of loan products and payment options.
Navigant Credit Union’s Community Involvement and History
Established in 1915, Navigant Credit Union has a rich history of providing financial services to individuals and families throughout Rhode Island. Over the years, the credit union has actively contributed to over 600 organizations, donating millions of dollars to support the local community. This deep-rooted commitment to community betterment led to the founding of the Navigant Credit Union Charitable Foundation in 2019. This autonomous 501(c)3 charity was created to enable even more substantial and impactful contributions to worthy causes. The foundation is supported by the generous contributions of its members, allowing it to provide significant financial assistance to local organizations and initiatives. Through its history and the establishment of its charitable foundation, Navigant Credit Union has demonstrated its dedication to supporting the communities it serves. They aim to make a positive impact on Rhode Island by fostering growth, opportunity, and well-being through its financial services and charitable activities.
Navigant Credit Union’s Recognition and Awards
Navigant Credit Union has received notable recognition for its services and contributions to the community. In 2025, Navigant Credit Union was honored among “America’s Best Regional Banks and Credit Unions,” a prestigious recognition based on an analysis of social media reviews and other factors. This acknowledgment highlights the credit union’s commitment to providing quality financial services and positive member experiences. Navigant Credit Union was one of only five Rhode Island-based credit unions to be recognized in the report, and one of only two to receive the award. This distinction underscores its standing within the local financial landscape. Receiving this award demonstrates a commitment to excellence and underscores its position as a leading financial institution within the region. The credit union’s consistent performance and dedication to its members have earned it recognition, further reinforcing its reputation as a trusted and reliable financial partner. These accolades reflect the positive impact Navigant Credit Union has on both its members and the broader community.