Save Now to Build for the Future

Your savings needs shift over your lifetime, but wherever you are, Navy Federal has the tools you need to help make saving a priority—and it doesn’t take a lot of money to start. No matter what you want to save for, we have you covered.

  • Personal Savings

    Whether you’re setting aside funds for an emergency or saving money for experiences and big-ticket items, we have the tools and expertise to help you succeed.

  • Retirement Savings

    Want to make sure you’re on track for retirement? We have you covered with tax-deferred savings options and guidance to get you where you want to be.

  • Education Savings

    No matter the level of education you’re saving for, our education savings tools are here to help you reach those goals with tax-deferred accounts to meet your needs.

The Tools You Need, No Matter Your Goals

All our accounts are also available as Individual Retirement Account (IRAs) and Education Savings Accounts (ESAs).
Become a member to access all the advantages that come with saving with Navy Federal.

Savings Account

With no minimum deposit to earn dividends and the ability to open multiple accounts, our savings accounts may come standard with membership, but they go above and beyond in all other ways.


  • Access to funds when you need them

  • Add money at any time

  • Ability to name each account


as high as




Minimum Deposit

as low as


Money Market Savings Account & Jumbo Money Market Savings Account

Money Market Savings Accounts offer all the perks of a basic savings account while letting you earn more with higher dividend rates, and you can add money as you go. The higher your balance, the greater your earnings will be.


  • Access your money with checks and via ATMs

  • Market-leading rate

  • Earn dividends with a minimum balance of $2,500 or more.


as high as




Minimum Deposit2

as low as



With a certificate, you can set aside money for a set period and earn guaranteed returns. Choose from a variety of options that best fit your savings goal.


  • Competitive rates

  • Variety of terms

  • Flexible deposit amounts


as high as



3 Months to 7 Years

Minimum Deposit

as low as


Savings Features at a Glance

  • Higher savings rates that mean better returns for you
  • Digital banking to help you manage your money anytime, anywhere*
  • 24/7 access to stateside member reps
  • Member shares insured by the National Credit Union Administration

Personal Savings

With the right tools, we can help you make saving simple—no matter what you’re working toward. Find the fit for your unique needs.

Short-Term or Emergency Savings

Set aside funds for short-term needs as well as emergencies with tools like traditional savings, certificates and money market savings accounts.

Learn More about short-term or emergency savings.

Investments & Estate Planning

Build your long-term savings with investments and establish an estate plan with the expert advisors at Navy Federal Financial Group.4

Learn More about Investment and estate planning.

Savings Goal Calculator

Calculate what you need to save for your next adventure, a new car or any other goal with dedicated savings accounts and helpful tools like certificates.

Learn More about Savings Goals calculator.

Retirement Savings

Choose the right tools and Individual Retirement Arrangement (IRA) options to build your retirement savings, while enjoying the benefits of tax-advantaged accounts.

IRA Options

From Traditional IRAs, Roth IRAs and SEPs, we can help you choose the right IRA option for your situation.

Learn More about IRA options.

Beyond IRAs

Looking for options in addition to IRAs? Compare all our retirement savings tools, including certificates and MMSAs.

Learn More about all of our retirement savings tools.

Retirement Planning Calculator

Put our calculator to use to see what you need to set aside to reach your retirement savings goals.

Learn More about our Retirement Planning Calculator.

Education Savings

Work toward your education savings goals with Education Savings Accounts (ESAs) and other tax-advantaged savings tools from Navy Federal Credit Union.

ESA Options

Explore all our education savings tools—including MMSAs and certificates—to choose the right option for your savings needs.

Learn More about ESA Options.

Savings Tools

No matter what your education savings goals are—with Coverdell ESAs and 529 plans, we have the tools and guidance to help you reach them.

Learn More about Savings Tools.

College Savings Calculator

Wondering what you need to set aside to achieve your college savings needs? Our calculator can help.

Learn More about College Savings Calculator.

Small Business Savings

Own a small business? We recognize that your savings needs are unique, which is why our Business Solutions tools are built with you in mind.

Learn More about small business saving options.

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 Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 08/07/2020. Fees may reduce earnings.

2 A $2,500 minimum balance must be maintained to earn dividends.

3 This APY is accurate as of 08/07/2020. 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.

4 Nondeposit investment and insurance products are offered through Navy Federal Financial Group, LLC (NFFG) and through its subsidiary, Navy Federal Brokerage Services, LLC (NFBS), a member of FINRA/SIPC and an SEC registered investment advisory firm. Brokerage and advisory products are offered through NFBS. These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of the credit union, are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal. 1-877-221-8108. Trust Services available through MEMBERS Trust Company. 1-855-358-7878.