Save Faster With an EasyStartSM Certificate and Get a Bonus!

Open an EasyStart or Special EasyStart Certificate (Share only) with as little as $50. Plus, you can get a $30 bonus after completing 3 automatic deposits!1

Open Now to get an EasyStart Certificate

Minimum deposit
as low as


APY as high as


Terms available

6 - 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

EasyStartSM Certificate

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


Tiered Rates for the EasyStart<sup>SM</sup>&nbsp;Certificate
Terms APY
6 Months 0.400%
12 Months 0.500%
18 Months 0.500%
24 Months 0.500%

Special EasyStart Certificate

With a Special EasyStart Certificate,3 start saving at a higher rate of return with a low minimum purchase.


  • Add money at any time
  • $3,000 maximum purchase
  • Requires checking and direct deposit
  • Limit one per primary account holder


as high as



12 Months

Minimum Deposit

as low as


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.

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



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 6/1/2021, 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 May 10, 2021 must complete three automatic transfers by August 10, 2021, and will receive the $30 bonus by September 9, 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 and 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 05/10/2021. 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. APY accurate as of 05/10/2021. 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.