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

Let Your Savings Soar

Let Your Savings Soar

Build yourself a bigger fund with our sky-high certificate rates.

What's Better Than Guaranteed Earnings?

Protect yourself against inflation and market ups and downs. With a certificate, your money will grow securely, with guaranteed returns.

Here's What You Could Be Earning

Standard Certificate

Certificates allow you to plan out your savings by providing guaranteed returns that you can access on a set maturity date.

Best For:

  • Individuals who want to earn at a higher dividend rate
  • Individuals who don’t need flexible access to savings
  • Individuals who are interested in making a single deposit

APY1

as high as

4.85%

Term

3 Months to 7 Years

Minimum Deposit

as low as

$1,000

EasyStartSM Certificate

EasyStart Certificates are an easy way to start building savings quickly with a low minimum purchase and flexible term lengths.

Best For:

  • Individuals who want to save for a specific goal
  • Individuals who want to build good savings habits
  • Individuals who want the flexibility to add money at any time

APY1

as high as

4.75%

Term

12 Months to 24 Months

Minimum Deposit

as low as

$50

Special EasyStart Certificate

Special EasyStart Certificates let members who have direct deposit and a checking account take advantage of saving at a special rate with a low minimum purchase.

Best For:

  • Individuals who want to start saving quickly
  • Individuals who want to take advantage of a special rate up to $3,000
  • Individuals who are interested in adding money at any time

APY2

as high as

5.30%

Term

12 Months

Minimum Deposit

as low as

$50

SaveFirst Account

The SaveFirst Account helps you save more at a higher rate than a traditional savings account.

Best For:

  • Individuals who want to save for a purpose
  • Individuals who want to choose their term
  • Individuals who want to add money at any time

APY1

as high as

0.40%

Term

3-60 Months

Minimum Deposit

as low as

$5


Want More Information About Saving?

Explore our resources at Navy Federal's Savings Learning Center.

Learn More Visit the Savings Learning Center.

Savings Resources

View Moresavings resources

Disclosures

1

This APY is accurate as of 06/19/2024. This APY is an annualized rate that reflects estimated earnings based on the dividend rate and frequency of compounding. Dividends compounded daily, credited monthly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change.

2

Limit one Special EasyStart Certificate per member. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Additional deposits are allowed at any time subject to the maximum contribution limit. Certificate owner(s) age 18 and older must have direct deposit* or a payroll allotment and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Special EasyStart Certificate dividend rate will be adjusted to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew and any amount exceeding the $3,000 maximum contribution limit will be transferred to your Membership Savings Account unless instructed otherwise.

*You may qualify for direct deposit if you have (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) Mobile deposits, ATM deposits, or Branch deposits totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.