Make the Most of Your Money

Enjoy guaranteed returns with Navy Federal's certificate options. You choose the term and amount that works for you.

Explore Our Accounts

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

2.45%

Term

3 Months to 7 Years

Minimum Deposit

as low as

$1,000.00


3-Year Variable Rate Certificate

The 3-year variable rate certificate keeps up with market changes by adjusting your rate on the 12- and 24-month anniversaries of your purchase.

Best For:

  • Individuals who want to leverage changes in the market
  • Individuals who are able to commit to a longer term
  • Individuals who want to add money annually

APY2

as high as

1.83%

Term

3 Years

Minimum Deposit

as low as

$500.00


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

1.95%

Term

6 Months to 24 Months

Minimum Deposit

as low as

$50.00


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
  • Individuals who are interested in adding money at any time

APY3

as high as

3.50%

Term

12 Months

Minimum Deposit

as low as

$50.00


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

1.01%

Term

3 Months to 5 Years

Minimum Deposit

as low as

$5.00

Certificate Basics

Certificates are federally insured deposits that encourage you to save and not spend. For more certificate basics, visit our “Intro to Certificates” page.

Learn MoreVisit MakingCents Intro to Certificates page.

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 More Savings Resources

Disclosures

1 This APY is accurate as of 02/18/2020. 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 Rates for 3-Year Variable Rate Certificates adjust each year on the anniversary date of the purchase. Penalties apply for early withdrawals from certificate accounts. Offering rates may change. This APY is accurate as of 02/18/2020.

3 Limit one Special EasyStart Certificate per member. This offer, including the stated APY, is effective Dec. 10, 2018. 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 standard EasyStart Certificate for the remainder of the certificate’s term.