To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Savings as It Should Be

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

Not a member? Join today.

What's Your Savings Goal?

Increase Cash by Earning Dividends

Save for big purchases—like a down payment or other major life expense—with one of our certificates that earns guaranteed returns for a set period of time to get you to your goal quicker.

Have Funds on Hand for Emergencies and Unplanned Expenses

Get started with our basic savings account and earn 0.25% APY1  with the flexibility to withdraw anytime.

Invest to Build Wealth

Opt for do-it-yourself 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.

Build Up Retirement Funds

Get your retirement savings on track with a tax-advantaged IRA.

Increase Business Cash by Earning Dividends 

Own a small business and want to boost your business cash? From money market savings accounts to certificates, choose from a variety of dividend-earning options to grow your money.

Learn More about Business Savings Accounts

Tools for Your Journey

Explore our Savings Learning Center

Account Features at a Glance

  • 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

Savings Resources

View Moresavings resources



Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 03/20/2023. Fees may reduce earnings.