Explore Our Accounts
IRA Money Market Savings Accounts (MMSA) offer all the perks of a basic savings account while letting you earn more with higher dividend rates. The higher your balance, the greater your earnings.
IRA certificates allow you to earn guaranteed returns at a higher dividend rate than a savings account. Choose from a variety of term options and deposit amounts to find the best certificate for your needs.
- Flexible contribution amounts
- Planning ahead
- High dividend earnings
3 Months to 7 Years
IRA Contribution Limits, Deadlines & Eligibility
Make sure you’re on top of your IRA. Read over IRA contribution limits, deadlines and eligibility here.
Check out our competitive rates on all Navy Federal savings products.Learn Moreabout Savings Rates
Maximize your savings with a Navy Federal certificate. Take a look at our dividend rates to see what you can earn.Learn Moreabout 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 Moreabout Add Money to Your Accounts
Limit one 33-Month Special Certificate (Share/IRA/ESA) per member. The 33-Month Special Certificate is available July 11, 2022. Effective July 11, 2022, the stated Annual Percentage Yield (APY) was 2.60%. Effective August 1, 2022, the stated Annual Percentage Yield (APY) is 3.30%. Navy Federal reserves the right to end or modify this offer or update the stated Annual Percentage Yield (APY) at any time. The 33-Month Special Certificate (Share/IRA/ESA) has a $1,000 minimum balance and a $100,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Once the promotional rate is applied to a purchased certificate, it will remain in effect for the length of the product term. IRA/ESA certificates are subject to IRS contribution limits. Penalties apply for early withdrawals from certificates. Other restrictions may apply.↵
Consult with your tax advisor.↵
Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 08/16/2022. Fees may reduce earnings.↵
A $2,500 minimum balance must be maintained to earn dividends.↵
This APY is accurate as of 08/16/2022. 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.↵