*APY=Annual Percentage Yield. Navy Federal reserves the right to end or modify these offers at any time. Offering rates may change. Penalty for early withdrawal. Limit one Special EasyStart Certificate per member. This offer, including the stated APY, is effective March 25, 2013. $3,000 maximum balance. Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay (minimum $300 per Direct Deposit) and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements are not met, your Special EasyStart Certificate dividend rate will be reduced to the prevailing divided rate of a standard EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew to a $100 minimum, standard EasyStart Certificate at the prevailing dividend rate unless member specifies otherwise. Federally insured by NCUA.