Standard Certificates
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!
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
Short-Term Certificate Rates
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 Certificate Rates
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.
Want More Information About Saving?
Explore our resources at Navy Federal's Savings Learning Center.
Savings Resources
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Cash Out or Roll Over?
Need help deciding what to do when your certificate matures? Read about your certificate maturity options.
Learn Moreabout Cash Out or Roll Over? -
Certificate Rates
Maximize your savings with a Navy Federal certificate. Take a look at our dividend rates to see what you can earn.
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Certificate Calculator
Find out how much your certificate can earn from now until the end of your term.
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Disclosures
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.
↵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.
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