Certificates

Limit one Special EasyStart Certificate per product type per member. Product types include Share, IRA (either Traditional, Roth, or SEP), and ESA. 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 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, Branch deposits, payments from the FedNow® Payment network, the Real Time Payment network or third party services that facilitate payments to your debit card using the Navy Federal Credit Union Debit Card, 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 or payroll allotment 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 or payroll allotment 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.

Offer valid November 1, 2025. Navy Federal reserves the right to end or modify this offer at any time. To qualify for the $200 bonus, you must be eligible for membership, join Navy Federal and open a new 12-month Special EasyStart Share certificate between 11/1/2025 and 11/30/2025. Navy Federal membership is open to members of the Coast Guard, all Department of Defense uniformed personnel, reservists, Active Duty, retired, Veterans, Army and Air National Guard, DoD civilian employees, contractors, and their immediate family. Limit one (1) $200 bonus per member. The new member must be the primary account owner of the 12-month Special EasyStart Share certificate to qualify. Business and Trust accounts are not eligible. IRA, ESA, and Navy Federal Business Solutions certificate products are not eligible. $5 minimum balance is required to open and maintain Membership Share Savings Account and to obtain bonus. If you have not funded your new Membership Share Savings Account at the time the bonus is credited, we will hold the minimum $5 share required for your membership. Membership Share Savings Account Annual Percentage Yield (APY) 0.25%, effective 8/6/2025. Fees may reduce earnings, and rates may change. The 12-month Special EasyStart Share Certificate has a $50 minimum balance, earning 4.15% APY as of 11/1/2025. Penalties may apply for early withdrawals from certificate accounts. Other restrictions may apply. Bonus will be deposited to the new member’s Membership Share Savings Account by February 28, 2026. The new certificate must remain open throughout the time Navy Federal attempts to deposit the bonus. Accounts must be in good standing for credit to be processed. The recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive. Navy Federal does not provide tax advice.

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Limit one 10-Month Special Certificate per product type per member. Product types include Share, IRA (either Traditional, Roth, or SEP), and ESA. This offer, including the stated Annual Percentage Yield (APY), is effective 1/6/2025. Navy Federal reserves the right to end or modify this offer at any time. The 10-Month Special Certificate (Share/IRA/ESA) has a $50 minimum balance and a $250K maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Dividends earned are not included in the maximum balance allowed. 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 certificate accounts. Other restrictions may apply.

Navy Federal's 10-Month Special Certificate rate is in comparison to the national average of the 12-Month Certificate rate. The national average for the 12-Month Certificate is 1.76% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps; accurate as of 08/18/2025.

This APY is accurate as of 11/12/2025. 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^SM 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 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 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.