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 Certificates are an easy way to start building savings quickly with a low minimum purchase and flexible term lengths.
- Add money at any time
- No maximum purchase
- Open multiple certificates
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 CalculatorFind out how much your certificate can earn from now until the end of your term.Learn Moreabout Certificate Calculator
Switch to Paperless StatementsReduce waste while increasing your account security. Make the switch to paperless statements.Learn Moreabout Switch to Paperless Statements
Limit one $30 bonus per member. Primary account holders only. Primary certificate holder must be at least 18 years of age. To qualify for the $30 bonus, members must open a new EasyStart Share or Special EasyStart Share Certificate between 1/5/2021 and 4/30/2021, and complete a total of three (3) automatic transfers within three (3) months of certificate opening. Minimum balance of $50 required to open an EasyStart Share or Special EasyStart Share Certificate. Once the three (3) automatic transfers have been completed, Navy Federal will credit the $30 bonus within 30 days. Bonus will be credited to the member’s savings account, then transferred to the EasyStart Share or Special EasyStart Share Certificate. Example: Members who open an EasyStart Share or Special EasyStart Share Certificate on January 10, 2021 must complete three (3) automatic transfers by April 10, 2021, and will receive the $30 bonus by May 10, 2021. Members who open a Special EasyStart Share Certificate at the $3,000 maximum balance are not eligible for the bonus since they are unable to fulfill the automatic transfer requirement. Penalties apply for early withdrawals from the EasyStart Share or Special EasyStart Share Certificate, including any earned dividends. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the dividend. Taxes related to the bonus are the member’s responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.↵
This APY is accurate as of 01/12/2021. 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.↵
Limit one Special EasyStart Certificate per member. Navy Federal reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay or payroll allotment 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 reduced to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate’s term.↵