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
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?
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 12/05/2021. Fees may reduce earnings.↵
A $2,500 minimum balance must be maintained to earn dividends.↵
This APY is accurate as of 12/05/2021. 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.↵