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

Get Our Highest Rate in 10 Years When You Open a Special 15-Month Certificate1

Open with as little as $50. You can keep adding money up to $250,000. Don't wait—offer could end at any time!

See the Rates

Make Your Money Work for You

Earn guaranteed returns and enjoy competitive rates with a certificate.

  • Flexible deposit amounts
  • High dividend rates
  • Variety of terms

Explore Account Options

Standard Certificate

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

Features:

  •  Variety of terms and minimum balance options
  • No maximum purchase amount
  • Longer maturities earn higher dividends
  • Renew it up to 21 days after the 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

APY2

as high as

4.45%

Minimum Deposit

as low as

$1,000

Term

3 Months to 7 Years

Open Now a standard certificate
Short Term Certificates Rate Table
Term $1K Minimum APY $20K Minimum APY $100K Minimum APY
3 Months 1.25% 1.25% 1.30%
6 Months 0.45% 0.45% 0.50%
12 Months 4.40% 4.40% 4.45%
18 Months 3.85% 3.85% 3.90%
24 Months 4.20% 4.20% 4.25%

Rates as of Jan 31, 2023 ET.

The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. 
Penalties apply for early withdrawals from certificate accounts. Offering rates may change. Dividends compounded daily, credited monthly. 
Long Term Certificates Rate Table
Term $1K Minimum APY $20K Minimum APY $100K Minimum APY
3 Years 4.20% 4.20% 4.25%
5 Years 4.20% 4.20% 4.25%
7 Years 4.20% 4.20% 4.25%

Rates as of Jan 31, 2023 ET.

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

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 More Visit 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 MoreSavings Resources

Disclosures

1

Limit one Special 15-Month Certificate (Share Only) per member. This offer, including the stated Annual Percentage Yield (APY), is effective as of January 9, 2023. Navy Federal reserves the right to end or modify this offer at any time. Excludes IRA and ESA certificates. The Special 15-Month Certificate (Share Only) has a $50 minimum balance and a $250,000 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. Penalties apply for early withdrawals from certificate accounts. Other restrictions may apply.

↵
2

This APY is accurate as of 01/31/2023. 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.

↵