Imagine the Savings Possibilities

No matter what you’re saving for—retirement, education or anything else—you can maximize your savings with a certificate.

Certificate Special Offers

Take advantage of our current limited-time offers today.

17-Month Share Certificate

With a low minimum deposit, a market-leading interest rate and the ability to make additional deposits, you can start small and build your savings effectively.

Features:

  • Add money at any time

  • Ability to set up recurring deposits

  • Competitive market rates

APY1

2.25%

Term

17 Months

Minimum Deposit

$50.00

Maximum Purchase

$75,000

37-Month IRA/ESA Certificate

Avoid the risk of market fluctuations while growing your retirement or education savings. Enjoy a locked-in rate and the ability to make additional contributions.

Features:

  • Add money at any time

  • Ability to set up recurring deposits

  • Have the same tax benefits of brokerage IRA accounts, without the risk

  • Available as Traditional IRA, Roth IRA or SEP

APY2

3.00%

Term

37 Months

Minimum Deposit

$50.00

Maximum Purchase

$150,000

New to Saving?

Earn a $50 bonus when you open your first IRA with Navy Federal.3

Open Now

Setting Up Recurring Transfers Is Easy as 1-2-3

  1. Get Started

    Open your certificate with as little as $50.

  2. Set It and Forget It

    Set up your weekly automatic deposits for as little as $10.4

  3. Watch Your Money Grow

    No matter what term you select, you’ll be able to track your savings growth from automatic contributions and earned dividends as you move toward your maturity date.

Savings Resources

View More Savings Resources

Disclosures

1 Limit one Special 17-Month Share Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective February 3, 2020. Navy Federal reserves the right to end or modify this offer at any time. The Special 17-Month Share Certificate has a $50 minimum and a $75,000 maximum balance. Only available for Share Certificates. Additional deposits are allowed at any time, subject to the maximum balance. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

2 Limit one Special 37-Month IRA/ESA Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective December 6, 2019. Navy Federal reserves the right to end or modify this offer at any time. The Special 37-Month IRA/ESA Certificate has a $50 minimum and a $150,000 maximum balance. Only available for IRA/ESA Certificates. Additional deposits are allowed at any time, subject to the maximum balance. IRA/ESA certificate subject to IRS contribution limits. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

3 This offer is effective December 8, 2019 and can end or be modified at any time. Offer only available to members who open their first IRA plan and deposit a minimum of $50 in the new IRA account no later than 45 days after account opening. Limit one IRA $50 bonus per member. Once funds have been deposited to the IRA, Navy Federal will credit the bonus directly into your new IRA account within 30 days. The IRA $50 bonus will be credited to your IRA in the form of a dividend and will not be reportable as a contribution. Penalties apply for early withdrawals from the 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 IRA $50 bonus are the member’s responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.

4 Additional deposits are allowed at any time, subject to the maximum balance. Penalties apply for early withdrawals from certificates. Other restrictions may apply.