Explore Our Accounts
Whether you’ve already been on a long-term savings journey, or are just getting started, an ESA will help you grow your education savings tax-free.
With an ESA Money Market Savings Account (MMSA), you can start with a $0 minimum balance— once you've reached a balance of $2,500 you'll start earning higher dividends.
ESA Money Market Savings Account Rates
|$0 to $2,499||0.00%|
|$2,500 to $9,999||0.95%|
|$10,000 to $24,999||1.06%|
|$25,000 to $49,999||1.10%|
|$50,000 and over||1.50%|
A $2,500 minimum balance must be maintained to earn dividends.
Education Savings Accounts
All of Navy Federal’s education savings plan are Coverdell ESAs. Learn more about these accounts and how they compare to 529 Plans.
Check out our competitive rates on all Navy Federal savings products.Learn More about Savings Rates
Maximize your savings with a Navy Federal certificate. Take a look at our dividend rates to see what you can earn.Learn More about Certificate Rates
Add Money to Your Accounts
Our convenient transfer and deposit options make it easy to put your money where you need it to be.Learn More about Add Money to Your Accounts
Contributions can be made up to the maximum annual deposit amount of $2,000 per child per year.↵
Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 11/28/2023. Fees may reduce earnings.↵
A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts.↵