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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||0.40%|
|$10,000 to $24,999||0.45%|
|$25,000 to $49,999||0.45%|
|$50,000 and over||0.45%|
A $2,500 minimum balance must be maintained to earn dividends.
Savings RatesExplore and compare dividend rates of all Navy Federal savings products.Learn Moreabout Savings Rates
Certificate RatesMaximize your savings with a Navy Federal certificate. Explore and compare all dividend rates.Learn Moreabout Certificate Rates
Cash Out or Roll Over?Need help deciding what to do when your certificate matures? Read about your certificate maturity options.Learn Moreabout Cash Out or Roll Over?
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 04/03/2021. Fees may reduce earnings.↵
A $2,500 minimum balance must be maintained to earn dividends.↵