No matter what you’re saving for–retirement or education–you can open a certificate today and be on your way to getting there faster. In fact, with our certificates, you can earn up to 3X more than the national average.

37-Month IRA/ESA Certificate

Open a new Special 37-Month IRA/ESA certificate, and you’ll earn 3.00% APY on your money.1 Plus, you’ll be protecting your retirement funds from the ups and downs of the market.

  • Start with just $50

  • Contribute anytime, automatically (up to $150,000)

  • Earn 3X more than the national average2

Earning guaranteed returns is an easy way to boost your savings.

Open a 37-Month IRA about certificate IRA

$50 First IRA Bonus

To earn your bonus, just make a deposit of $50 or more to your first IRA within 45 days of account opening.3

Start Saving about ira savings

Hurry—these are limited-time offers.
Open a certificate today and see that it’s a great way to maximize and protect your money from
market fluctuations.

Understanding Your IRA Options

Wondering what IRA is the best bet for you? We've outlined the tax benefits, eligibility and other important differentiators between Traditional, Roth and Simplified Employee Pensions (SEPs) to help you better understand the options available.

Learn more on how these 3 IRAs compare.


1 Limit one Special 37-Month IRA/ESA Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective December 6, 2019. Navy Federal reserves the right to end or modify this offer at any time. The Special 37-Month IRA/ESA Certificate has a $50 minimum and a $150,000 maximum balance. Only available for IRA/ESA Certificates. Additional deposits are allowed at any time, subject to the maximum balance. IRA/ESA certificate subject to IRS contribution limits. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

2 Based on 36-month national average rate for non-jumbo deposits (of less than $100K) as of Dec. 2, 2019. Source:

3 This offer is effective December 8, 2019 and can end or be modified at any time. Offer only available to members who open their first IRA plan and deposit a minimum of $50 in the new IRA account no later than 45 days after account opening. Limit one IRA $50 bonus per member. Once funds have been deposited to the IRA, Navy Federal will credit the bonus directly into your new IRA account within 30 days. The IRA $50 bonus will be credited to your IRA in the form of a dividend and will not be reportable as a contribution. Penalties apply for early withdrawals from the certificate, including any earned dividends. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the dividend. Taxes related to the IRA $50 bonus are the member’s responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.