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?
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.
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.
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 09/22/2023. Fees may reduce earnings.
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