Saving Made Easy
Saving doesn’t have to be hard with Navy Federal’s EasyStart Certificate. Start growing your savings quickly and easily today.
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.
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
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
Open your EasyStart Certificate for as little as $50 or more.
Watch Your Money Grow
After a year, your $50 grows into $560, plus any earned dividends.
Certificates are federally insured deposits that encourage you to save and not spend. For more certificate basics, visit our “Intro to Certificates” page.
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?
Find out how much your certificate can earn from now until the end of your term.Learn More about Certificate Calculator
Reduce waste while increasing your account security. Make the switch to paperless statements.Learn More about Paperless Statements
1 This APY is accurate as of 12/02/2020. 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. 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. ↵