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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
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?
Offer is effective 1/5/2021 and can end or be modified at any time. Limit one $50 bonus per member. Primary account holders only. To qualify for the $50 bonus, members must open their first IRA plan and deposit a minimum of $50 in the new IRA account no later than 45 days after account opening. Once the $50 required minimum balance has been deposited to the IRA, Navy Federal will credit the bonus directly into the new IRA account within 45 days. Example: Members who open their first IRA plan on 1/10/2021 and fund their $50 minimum on 2/15/2021 will receive the $50 bonus in their IRA account by 3/30/2021. The bonus will be credited to the IRA in the form of a dividend and will not be reportable as a contribution. Account must be in good standing for credit to be processed. Penalties apply for early withdrawals from the certificate, including any earned dividends. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the dividend. Taxes related to the $50 IRA bonus are the member's responsibility. Navy Federal does not provide tax advice. 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 04/21/2021. Fees may reduce earnings.↵
A $2,500 minimum balance must be maintained to earn dividends.↵
This APY is accurate as of 04/21/2021. 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.↵
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.↵