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We’ve More Than Tripled Our Rate on a 3-Month Standard Certificate1

Earn 4.00% APY for a powerful boost to your savings.

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

4.95%

Minimum Deposit

as low as

$1,000

Term

3 Months to 7 Years

 
Short Term Certificates Rate Table
Term $1K Minimum APY $20K Minimum APY $100K Minimum APY
3 Months 4.00% 4.00% 4.05%
6 Months 0.45% 0.45% 0.50%
12 Months 4.90% 4.90% 4.95%
18 Months 4.50% 4.50% 4.55%
24 Months 4.20% 4.20% 4.25%

Rates as of Nov 28, 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. 

This offer, including the stated Annual Percentage Yield (APY), is effective August 7, 2023. Navy Federal reserves the right to end or modify this offer at any time. The rate is applicable to the 3-Month certificate term only. Minimum purchase amounts of $1,000, $20,000 Annual Percentage Yield (APY) 4.00%. Minimum purchase amount of $100,000 Annual Percentage Yield (APY) 4.05%. No maximum purchase amount. IRA/ESA certificate subject to IRS contribution limits. Additional deposits are not allowed. Penalties apply for early withdrawals from certificates. Other restrictions may apply.
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 4.00% 4.00% 4.05%
7 Years 4.00% 4.00% 4.05%

Rates as of Nov 28, 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

This offer, including the stated Annual Percentage Yield (APY), is effective August 7, 2023. Navy Federal reserves the right to end or modify this offer at any time. The rate is applicable to the 3-Month certificate term only. Minimum purchase amounts of $1,000, $20,000 Annual Percentage Yield (APY) 4.00%. Minimum purchase amount of $100,000 Annual Percentage Yield (APY) 4.05%. No maximum purchase amount. IRA/ESA certificate subject to IRS contribution limits. Additional deposits are not allowed. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

2

This APY is accurate as of 11/28/2023. 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.