Savings Accounts
Savings as It Should Be
Accounts and tools tailored to help you meet your savings goals.
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What's Your Savings Goal?
Have Funds on Hand for Emergencies and Unplanned Expenses
Get started with our basic savings account and earn a market-leading rate of 0.25% APY.Footnote 1 Plus, you’ll have the flexibility to withdraw what you need—anytime.
Increase Cash by Earning Dividends
Save for big purchases—like a down payment or other major expense—with one of our certificates. You’ll earn much more than you would with a traditional savings account and your rate of return is guaranteed throughout your certificate’s term.
Invest to Build Wealth
Investing offers the potential of higher returns over time than other options. With Navy Federal, you can choose do-it-yourself or automated investing or get guidance from an advisor to reach your goals..
Establish a College Fund
Work toward your education savings goals with tax-advantaged options for college costs. Our education accounts allow you to set aside money for things like tuition, room and board, academic tutoring and more. No matter which option you choose, you’ll be earning an outstanding rate.
Build up Retirement Funds
Looking for a great rate to boost your retirement savings? Make your retirement fund sizzle with a tax-advantaged IRA.
For Business Owners: Increase Cash by Earning Dividends
Own a small business and want to boost your business cash? From money market savings accounts to certificates, earn a great rate on any of our dividend-earning options.
Tools for Your Journey
- Learn how a dedicated savings account can help you be prepared for emergencies.
- Understand what it will take to meet your savings need with our savings goal calculator.
- Build your savings quicker by paying yourself first—make it even simpler with automatic deposits.
- See the benefits of a savings account, the features to look for and what you need to open a savings account.
Savings Resources
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Savings Rates
Check out our competitive rates on all Navy Federal savings products.
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Certificate Rates
Maximize your savings with a Navy Federal certificate. Take a look at our dividend rates to see what you can earn.
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Compare Savings Rates
Use this calculator to see how different rates can impact your savings strategy.
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Disclosures
Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 05/17/2025. Fees may reduce earnings.
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