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Save Faster With an EasyStartSM Certificate

Open an EasyStart or Special EasyStart Certificate with as little as $50.

Open Now to get an EasyStart Certificate

Minimum deposit
as low as

$50

APY as high as

4.300%Footnote 1

Terms available

12 - 24 Months

EasyStart Certificates

  • Choose Your Term

    We offer a variety of term options and flexibility to fit your needs.

  • Save Your Way

    Add money to your EasyStart Certificate anytime, even with automatic deposits.

  • 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

 

Tiered Rates for the EasyStart℠ Certificate
Terms APY
12 Months 3.95%
18 Months 3.75%
24 Months 3.55%
Open Now for an EasyStart Certificate

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

APYFootnote 1

as high as

4.30%

Term

12 Months

Minimum Deposit

as low as

$50

Open Now for the Special EasyStart Certificate

Pay Yourself First With an EasyStart Certificate

  1. Get Started
    Open your EasyStart Certificate for as little as $50 or more.
  2. Set It and Forget It
    Set up your weekly automatic deposits for $10.
  3. Watch Your Money Grow
    After a year, your $50 grows into $560, plus any earned dividends.
  4. 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.

Learn More at the MakingCents Intro to Certificates page.

Want More Information About Saving?

Explore our resources at Navy Federal's Savings Learning Center.

Learn More at the Savings Learning Center.

Savings Resources

View Moreabout Savings resources

Disclosures

1

This APY is accurate as of 05/03/2025. 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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2

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 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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