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

Standard Certificates

APY as high as 1.05%

MINIMUM DEPOSIT as low as $1,000

3-Year Variable

APY as high as 0.42%

MINIMUM DEPOSIT as low as $500


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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

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

1.05%

Minimum Deposit

as low as

$1,000

Term

3 Months to 7 Years

Term $1K Minimum APY $10K Minimum APY $20K Minimum APY $50K Minimum APY $100K Minimum APY
3 Months 0.40% 0.40% 0.40% 0.40% 0.45%
6 Months 0.45% 0.45% 0.45% 0.45% 0.50%
9 Months 0.50% 0.50% 0.50% 0.50% 0.55%
12 Months 0.55% 0.55% 0.55% 0.55% 0.60%
18 Months 0.60% 0.60% 0.60% 0.60% 0.65%
24 Months 0.65% 0.65% 0.65% 0.65% 0.70%

Rates as of Jan 11, 2021 ET.

Term $1K Minimum APY $10K Minimum APY $20K Minimum APY $50K Minimum APY $100K Minimum APY
3 Years 0.80% 0.80% 0.80% 0.80% 0.85%
4 Years 0.85% 0.85% 0.85% 0.85% 0.90%
5 Years 1.01% 1.01% 1.01% 1.01% 1.05%
6 Years 1.01% 1.01% 1.01% 1.01% 1.05%
7 Years 1.01% 1.01% 1.01% 1.01% 1.05%

Rates as of Jan 11, 2021 ET.


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.

Features:

  • Rates that automatically adjust each year
  • Add money on the 12- and 24-month anniversaries of your purchase
  • No rate ceiling
  • Your rate will never fall more than 0.50% of the original rate

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

0.42%

Minimum Deposit

as low as

$500

Term

3 Years

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

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Disclosures

1

This APY is accurate as of 01/11/2021. 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 01/11/2021.