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Savings as It Should Be

Accounts and tools tailored to help you meet your savings goals.

Not a member? Join today.
 

Account Features at a Glance

Whether you choose a certificate, money market or even a standard savings account, with Navy Federal’s terrific rates, you’ll earn more and save more.

  • Higher savings rates that mean better returns for you
  • Digital banking to help you manage your money anytime, anywhere*
  • 24/7 access to stateside member reps
  • Member shares insured by the National Credit Union Administration

 

See Our Savings Rates

Account Features at a Glance

Whether you choose a certificate, money market or even a standard savings account, with Navy Federal’s terrific rates, you’ll earn more and save more.

  • Higher savings rates that mean better returns for you
  • Digital banking to help you manage your money anytime, anywhere*
  • 24/7 access to stateside member reps
  • Member shares insured by the National Credit Union Administration

 

See Our Savings Rates

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.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.

Learn More about Business Savings Accounts

Tools for Your Journey

Explore Our Savings Learning Center

Savings Resources

View Moresavings resources

Disclosures

1

Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 06/18/2024. Fees may reduce earnings.