Our Priority is Your Health and Safety

At Navigant Credit Union, our top focus and highest priority is the health and safety of our members, our employees and the communities we serve. We are closely monitoring the COVID-19 situation, and we are making every effort to continue providing our members with the financial and banking services they need, while taking every precaution to keep everybody safe. Navigant Credit Union is open and conducting business; however, we have updated our branch restrictions as outlined below.

As the state of Rhode Island enters Phase 2 of its plan to reopen the economy, we want to make you aware of actions we are implementing at each of our Navigant Credit Union branch locations.  We are adopting a “slow and steady” approach to bringing our operations back to full capacity.  Some of our branch lobbies will remain open by appointment only. Others will be open to foot traffic. Our actions are in-line with guidance provided by the State of Rhode Island, the Department of Health and the CDC.

We are excited to see you and help you with all your financial needs however out of caution, we still encourage you to keep your visits as brief as possible, and limit who comes into the lobby to only those who need to be present (signing documents for example).

Thank you for your continued trust in Navigant Credit Union. Please do not hesitate to contact us with any questions.

As of June 15th our lobby areas to walk-in members will resume normal business hours at ALL locations except our Warwick (located in Kent Hospital) branch.

Capacity at our branches will be limited to 15 members at a time.

Branch drive-ups remain open for regular business hours.

All ATMs are available 24 hours. 

Social distancing & cleaning policies:

The health and safety of our members, employees and neighbors is and always will be Navigant Credit Union’s top priority. We have provided each of our employees with appropriate face coverings, and we are strictly enforcing social distancing, hand-washing and surface-cleaning policies at each of our branches.

If you are planning to visit one of our branch locations, please be aware that we are enforcing the following policies:

  • Cleaning: In addition to our normal cleaning procedures, our workspaces, ATM's, and signature pads are being cleaned multiple times per day.
  • Limited numbers: All branches have a limit of no more than 15 members at a time. 
  • Face coverings: In accordance with the guidance issued by the Rhode Island Department of Health and federal public health officials, all members must wear face coverings while inside the branch. 
  • ID Required: Due to wearing masks in the lobby areas, you will be asked to briefly remove your face covering for identification purposes upon entry to a branch and again at the teller/member service stations. We will then ask members to put them back on.
  • Social distancing: To maintain compliance with social distancing standards our in-branch personnel are ensuring that all members and employees remain at least six feet apart at their workstations.  Floor decals are placed 6 feet apart inside and outside the branch for your convenience.
  • Hand-washing: All members will be asked to sanitize their hands upon entering our branch locations. Navigant Credit Union will provide hand sanitizer at the entrances of each of our locations.  
  • Sneeze Guards: In addition, we have protective sneeze guards at our active teller stations and member service desks.

All branches are open to normal business hours. Warwick (located in Kent Hospital) location closes at 4:00pm and is by appointment only.

DRIVE-UP hours will remain the same. 

To make an appointment, please call your branch listed below:

Central Falls: 401-233-3600

Chapel 4 Corners: 401-233-3150

Chepachet: 401-233-3440

*Coventry Crossing: 401-319-2900

*Cumberland Hill: 401-233-3640

*Greenville: 401-233-3400

Kent: 401-233-3182 + 401-233-3183

*Lincoln: 401-233-3680

*Manville: 401-233-3420

*Pawtucket: 401-233-3660

Riverside: 401-233-3480

*Rumford: 401-233-3170

Scituate: 401-319-2940

Slatersville: 401-319-2950

*Smithfield: 401-233-3130

*Wakefield: 401-319-2920

*Warren: 401-233-3460

Warwick: 401-319-2970

*Warwick Plaza: 401-233-3190

*Woonsocket: 401-233-3110

Update on Paycheck Protection Program

The deadline for members applying for a PPP Loan is 4:00pm on Friday, August 7th. We will not accept any applications after this deadline. If you have any questions, please email us at: QuestLoanReferrals@navigantcu.org


On Friday June 5, 2020 the Paycheck Protection Program Flexibility Act was signed into law. This will allow businesses more time and flexibility to keep their employees on the payroll.

SBA, in consultation with Treasury, will promptly issue rules and guidance, a modified borrower application form, and a modified loan forgiveness application implementing these legislative amendments to the PPP.  These modifications will implement the following important changes:

  • Extend the covered period for loan forgiveness from eight weeks after the date of loan disbursement to 24 weeks after the date of loan disbursement, providing substantially greater flexibility for borrowers to qualify for loan forgiveness.  Borrowers who have already received PPP loans retain the option to use an eight-week covered period.

  • Lower the requirements that 75 percent of a borrower's loan proceeds must be used for payroll costs and that 75 percent of the loan forgiveness amount must have been spent on payroll costs during the 24-week loan forgiveness covered period to 60 percent for each of these requirements.  If a borrower uses less than 60 percent of the loan amount for payroll costs during the forgiveness covered period, the borrower will continue to be eligible for partial loan forgiveness, subject to at least 60 percent of the loan forgiveness amount having been used for payroll costs

  • Provide a safe harbor from reductions in loan forgiveness based on reductions in full-time equivalent employees for borrowers that are unable to return to the same level of business activity the business was operating at before February 15, 2020, due to compliance with requirements or guidance issued between March 1, 2020 and December 31, 2020 by the Secretary of Health and Human Services, the Director of the Centers for Disease Control and Prevention, or the Occupational Safety and Health Administration, related to worker or customer safety requirements related to COVID–19.

  • Provide a safe harbor from reductions in loan forgiveness based on reductions in full-time equivalent employees, to provide protections for borrowers that are both unable to rehire individuals who were employees of the borrower on February 15, 2020, and unable to hire similarly qualified employees for unfilled positions by December 31, 2020.

  • Increase to five years the maturity of PPP loans that are approved by SBA (based on the date SBA assigns a loan number) on or after June 5, 2020.

  • Extend the deferral period for borrower payments of principal, interest, and fees on PPP loans to the date that SBA remits the borrower’s loan forgiveness amount to the lender (or, if the borrower does not apply for loan forgiveness, 10 months after the end of the borrower’s loan forgiveness covered period).

In addition, the new rules will confirm that June 30, 2020, remains the last date on which a PPP loan application can be approved.

If you have any additional questions, do not hesitate to email us at: pppforgiveness@navigantcu.org. We are here to help.


  1. We are following the guidance put forth by the Centers of Disease Control (CDC) and the Rhode Island Department of Health.  We strongly agree with the recommendations voiced by local medical professionals and elected leaders, and we urge all our members and employees to stay home if they feel sick.
  2. Navigant Credit Union has a formal plan to ensure the continuity of our business. We will implement this plan as necessary to manage the prevention of an outbreak.
  3. Cleaning: In addition to our normal cleaning procedures, our workspaces, ATM's, and signature pads are being cleaned multiple times per day.
  4. We've limited visitation to the Corporate Center to essential visitors only. Arrangements will be made if appointments are necessary.


To minimize your need to call or visit one of our branches, here are some other ways to conduct your banking at Navigant Credit Union:

click here for a list of all our locations
Deposits, Withdrawals (funds can be issued as Cash, Check, and/or Money Order), Transfers between NCU Account, Inquiries, Loan Payments/Loan Advances,  Redeem your Bond, Visa® Payments, Visa Advance, Place Business Coin Orders, Order/Re-order Checks

click here for a list of all our locations
Cash withdrawals, Deposits, Inquiries, Transfers, Change PIN#*
*If you know your existing PIN#

click here to call your local branch
Access safe deposit boxes, Loan Closings, Account Openings, Loan Applications, Change of Address, Stop Payments, Drop-Bag Services, IRA Withdrawal, IRA Contributions, Notary, Cards (re-issue, new), Re-pin, Add Signers/Beneficiary, Close Accounts, Fraud-Reg E Claims

click here to get started
Internal Transfers (one-time and recurring), Loan Payments, Bill Payment, Check Deposits, Apply for Loan, Open a Deposit Account, Reorder checks, Debit Card Controls, Popmoney, External Funds Transfer, e-Statements, Change of Address, Stop Payment Requests, Money Management (budgeting tool)

click here to get started
Internal Transfers (one-time and recurring), Loan Payments, Bill Payment, Check Deposits, Apply for Loan, Open a Deposit Account, Reorder checks, Debit Card Controls, Popmoney, Money Management (budgeting tool)

click here to get started
Internal Transfers (one-time and recurring), Loan Payments, Bill Payment, Reorder Checks, e-Statements

click here to get started
Internal Transfers (one-time and recurring), Loan Payments, Bill Payment, Text Banking + Alerts

Ways to Reduce Cash Handling: 

Use your debit cards, credit cards, and mobile wallet as an alternative to making cash purchases and payments. 

Unfortunately, scammers are taking advantage of fears surrounding COVID-19.  Click here to view the Federal Trade Commission's website for the latest information. 

To see the most accurate and up-to-date information, visit the websites listed below:

Center for Disease Control

Rhode Island Department of Health

Rhode Island Commerce FAQ

SBA - Small Business Guidance + Loan Resources

Click here to view the member communication that was emailed on March 13, 2020. 

Q. Can I apply for relief on my RISLA Student Loans or Federal Student Loans?

A: Navigant Credit Union members who have Rhode Island Student Loan Authority (RISLA) Student Loans or Federal Student Loans and are experiencing a financial hardship due to unemployment or their income is being severely impacted by the coronavirus pandemic can apply for relief.  Those meeting certain criteria can apply for an automatic two months of payment deferment to ease the burden and provide some relief to their financial stress.

Those with RISLA loans can find more information - click here

Those with Federal Student Loans - click here

Q: Are Navigant Credit Union branches open?

A: All Navigant Credit Union branch lobbies are by appointment only. Click here to call your local branch if you wish to make an appointment.

Q: Should I have extra cash?

A: You should have enough cash to cover your every day needs. We recommend using your debit card and/or credit card when possible. Carrying large sums of cash may pose a personal risk. The amount of cash you withdraw is a personal decision based on your needs. 

Q: What happens if I can't make my loan payment?

A: We understand these are difficult times, we'll work with all of our members to help them through this situation. An Emergency Relief Fund program is now available for our members experiencing financial hardships. We encourage you to call our Member Service Center at 401-233-4700 to see how we can help. 


Many Americans are eligible for Economic Impact Payments (EIPs) as part of coronavirus tax relief efforts. On Friday, April 10, the Internal Revenue Service began issuing economic impact payments by direct deposit to qualified Americans with the first set of funds available as early as April 15.

Additional electronic payments will be released throughout April. These payments are based on 2018 and 2019 tax filings. Individuals who did not file for electronic returns for 2018 or 2019 filings will not receive direct deposit payments via ACH. Instead, these qualified individuals will receive payment by check in the mail in the coming weeks.

Additional Information:

  • For some qualified individuals, EIPs were available in accounts on April 15.
  • Those that receive an electronic payment is based, partly, on whether the individual filed for electronic returns in 2018 or 2019 tax return filings.
  • If the IRS does not have a qualified individual’s ACH information, they will receive the payment via check in the mail.
  • Mailed checks will be sent in the coming weeks.
  • Those who’ve not filed 2018-19 taxes can use the IRS portal to designate a direct deposit account here.
  • Financial institutions will not have additional information for individuals besides whether a deposit by ACH was received.

How members can register their accounts through the IRS website, once live:

Go to the IRS website to see if you have to set up the online portal.

Add your credit union account number

Add the routing number of your credit union (NCU Routing Number: 211589828

Don’t include the check number

Double-check that you have entered the correct numbers. Entering an incorrect number could result in a payment delay.