Saving Made Easy

Saving doesn’t have to be hard with Navy Federal’s EasyStart Certificate. Start growing your savings quickly and easily today.

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.

  • 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.


  • Add money at any time

  • No maximum purchase

  • Open multiple certificates

Tiered Rates Table
Terms APY
6 Months 0.50%
12 Months 0.80%
18 Months 0.80%
24 Months 0.90%

Special EasyStart Certificate

With a Special EasyStart Certificate,2 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


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 MoreVisit MakingCents Intro to Certificates page.

Want More Information About Saving?

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

Learn More Visit the Savings Learning Center.

Savings Resources

View More Savings Resources


1 This APY is accurate as of 09/28/2020. 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.

2 Limit one Special EasyStart Certificate per member. This APY, is accurate as of 09/28/2020. 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.