1Limit one Military Appreciation Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective May 1, 2016. Navy Federal reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Military Appreciation Certificate has a $25 minimum balance and a $10,000 maximum balance. Additional deposits are allowed at any time subject to the maximum balance. Certificate owner(s) age 18 and older must have Defense Finance and Accounting Service (DFAS) Direct Deposit of Net Pay or DFAS Allotment within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Military Appreciation Certificate dividend rate will be reduced to the prevailing dividend rate of a standard EasyStart Certificate for the remainder of the certificate's term. Members who set up a recurring transfer at the time of purchase for at least $10 per recurring transfer for at least the first three months the certificate is open are eligible to receive a $10 bonus. The bonus will be paid directly into the Military Appreciation Certificate as a dividend no later than September 30, 2016 if all requirements are met. Limit one $10 transfer bonus per member. Other restrictions may apply.

2Limit one Special EasyStart Certificate per member. This offer, including the stated APY, is effective March 25, 2013. Navy Federal reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum balance. Additional deposits are allowed at any time subject to the maximum balance. Certificate owner(s) age 18 and older must have a Direct Deposit of Net Pay or a payroll allotment and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Special EasyStart Certificate dividend rate will be reduced to the prevailing dividend rate of the standard EasyStart Certificate for the remainder of the certificate's term.