EasyStart Certificate
EasyStart Certificates
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Choose Your Term
We offer a variety of term options and flexibility to fit your needs.
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Save Your Way
Add money to your EasyStart Certificate anytime, even with automatic deposits.
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Make More With Your Money
Our EasyStart Certificate offers high returns all year long.
Explore Our Accounts
EasyStart℠ Certificate
EasyStart Certificates are an easy way to start building savings quickly with a low minimum purchase and flexible term lengths.
Features:
- Add money at any time
- No maximum purchase
- Open multiple certificates
- Renew it up to 21 days after the maturity date
Terms | APY |
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12 Months | 4.25% |
18 Months | 4.05% |
24 Months | 3.95% |
Special EasyStart Certificate
With a Special EasyStart Certificate,Footnote 2 start saving at a higher rate of return with a low minimum purchase.
Features:
- Add money at any time
- $3,000 maximum purchase
- Requires checking and direct deposit
- Limit one per primary account holder
Minimum Deposit
as low as
$50
Pay Yourself First With an EasyStart Certificate
- Get Started
Open your EasyStart Certificate for as little as $50 or more. - Set It and Forget It
Set up your weekly automatic deposits for $10. - Watch Your Money Grow
After a year, your $50 grows into $560, plus any earned dividends. - Keep on Earning
At the end of your certificate's term, you can renew it up to 21 days after the maturity date.
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 More about Cash Out or Roll Over? -
Certificate Calculator
Find out how much your certificate can earn from now until the end of your term.
Learn More about Certificate Calculator -
Switch to Paperless Statements
Reduce waste while increasing your account security. Make the switch to paperless statements.
Learn More about Switch to Paperless Statements
Disclosures
This APY is accurate as of 10/08/2024. 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.
↵Limit one Special EasyStart Certificate per member. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Additional deposits are allowed at any time subject to the maximum contribution limit. Certificate owner(s) age 18 and older must have a direct deposit* 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 adjusted to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew and any amount exceeding the $3,000 maximum contribution limit will be transferred to your Membership Savings Account unless instructed otherwise.
*You may qualify for direct deposit if you have (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) Mobile deposits, ATM deposits, or Branch deposits totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.
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