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Certificates allow you to plan out your savings by providing guaranteed returns that you can access on a set maturity date.
- 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
3 Months to 7 Years
EasyStart Certificates are an easy way to start building savings quickly with a low minimum purchase and flexible term lengths.
- 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
6 Months to 24 Months
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.
- 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
The SaveFirst Account helps you save more at a higher rate than a traditional savings account.
- Individuals who want to save for a purpose
- Individuals who want to choose their term
- Individuals who want to add money at any time
Cash Out or Roll Over?
Need help deciding what to do when your certificate matures? Read about your certificate maturity options.Learn Moreabout Cash Out or Roll Over?
Maximize your savings with a Navy Federal certificate. Take a look at our dividend rates to see what you can earn.Learn Moreabout Certificate Rates
Find out how much your certificate can earn from now until the end of your term.Learn Moreabout Certificate Calculator
Limit one 33-Month Special Certificate (Share/IRA/ESA) per member. The 33-Month Special Certificate is available July 11, 2022. Effective July 11, 2022, the stated Annual Percentage Yield (APY) was 2.60%. Effective August 1, 2022, the stated Annual Percentage Yield (APY) is 3.30%. Navy Federal reserves the right to end or modify this offer or update the stated Annual Percentage Yield (APY) at any time. The 33-Month Special Certificate (Share/IRA/ESA) has a $1,000 minimum balance and a $100,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Once the promotional rate is applied to a purchased certificate, it will remain in effect for the length of the product term. IRA/ESA certificates are subject to IRS contribution limits. Penalties apply for early withdrawals from certificates. Other restrictions may apply.↵
This APY is accurate as of 08/17/2022. 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.↵
Limit one Special EasyStart Certificate per member. APY accurate as of 08/17/2022. Navy Federal reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay or 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 reduced to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate’s term.↵