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.
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.
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.
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
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.
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.
Variety of terms
Flexible deposit amounts
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
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.
From Traditional IRAs, Roth IRAs and SEPs, we can help you choose the right IRA option for your situation.Learn More about IRA options.
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.
Explore all our education savings tools—including MMSAs and certificates—to choose the right option for your savings needs.Learn More about ESA Options.
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.
Explore and compare dividend rates of all Navy Federal savings products.Learn More about Savings Rates
Maximize your savings with a Navy Federal certificate. Explore and compare all dividend rates.Learn More about Certificate Rates
Pay Yourself First
Make saving a habit with this simple tactic.Learn More about Pay Yourself First
1 Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 07/02/2020. Fees may reduce earnings. ↵
2 A $2,500 minimum balance must be maintained to earn dividends. ↵
3 This APY is accurate as of 07/02/2020. 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. ↵
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. ↵