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Maximize Your Savings

We offer several IRA certificate accounts with unique benefits.

Earn guaranteed returns at competitive rates with an IRA certificateFootnote 1 from Navy Federal.

  • Flexible deposit amounts
  • Planning ahead
  • High dividend earnings

What is an IRA Certificate?

An individual retirement account certificate, or IRA CD, is an IRA where your money is used to earn higher dividends in certificates of deposit, or CDs. The rates of return are more stable and less risky than other forms of investment. When you deposit your funds into an IRA certificate, you'll know how much your funds will earn over the length of term.

What are the benefits of an
IRA Certificate?

IRA certificates are a less risky and more predictable method of savings. An IRA certificate isn’t easily accessible until the term length is up. This can make it easier for some people to save and not spend the money dedicated to retirement.

Available Now!

10-Month Special CertificateFootnote 2
(Share, IRA, ESA)

Right now, you can get a 10-Month Special Certificate and grow your savings faster with a sky-high rate that’s more than 2X the national average.Footnote 3

Best for:

  • Individuals who want to build more wealth to reach
    financial goals
  • Individuals who want to open a certificate at a 
    sky-high rate
  • Individuals who want guaranteed returns 
  • Individuals who want the flexibility to add money at any time

$50 Minimum Deposit 

Open Now 10-Month Special Certificate

10 Month Special CertificateAPY as high as 4.45%

Explore Our Accounts

IRA Standard Certificate

IRA certificatesFootnote 4 allow you to earn more than a standard savings account with a variety of term lengths.

Features:

  • Variety of terms and minimum balance options
  • No maximum purchase amount
  • Longer maturities earn higher dividends

Best For:

  • Individuals who are prioritizing earning at higher dividend rates
  • Individuals who don’t need flexible access to savings
  • Individuals who are interested in making a single deposit

APYFootnote 4

as high as

4.05%

Minimum Deposit

as low as

$1,000

Term

3 Months to 7 Years

Available in Traditional, Roth and SEP

Open Now an IRA certificate

Available in Traditional, Roth and SEP

Short Term Certificates Rate Table
Term $1K Minimum APY $20K Minimum APY $100K Minimum APY
3 Months 1.50% 1.50% 1.55%
12 Months 4.00% 4.00% 4.05%
18 Months 3.80% 3.80% 3.85%
24 Months 3.60% 3.60% 3.66%

Rates as of May 22, 2025 ET.
The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. 
Penalties apply for early withdrawals from certificate accounts. Offering rates may change. Dividends compounded daily, credited monthly.

IRA EasyStartSM Certificate

IRA EasyStart CertificatesFootnote 4 allow you to start building savings quickly and easily with a low minimum deposit.

Features:

  • Add money at any time
  • No maximum purchase
  • Open multiple certificates

Best For:

  • Individuals who want to build up their retirement saving
  • Individuals who are looking for a variety of terms or laddering
  • Individuals who want to make periodic contributions

APYFootnote 4

as high as

3.95%

Minimum Deposit

as low as

$50

Term

12 Months to 24 Months

Available in Traditional, Roth and SEP

Open Now an IRA EasyStart Certificate

Available in Traditional, Roth and SEP

IRA Special EasyStart Certificate

Special EasyStart Certificates let members who have direct deposit and a checking account take advantage of saving at a special rate.

Features:

  • Add money at any time
  • $3,000 maximum purchase
  • Requires checking and direct deposit
  • Limit one per primary account holder

Best For:

  • Individuals who want to start saving quickly
  • Individuals who want to take advantage of a special rate
  • Individuals who are interested in adding money at any time

APYFootnote 5

as high as

4.30%

Minimum Deposit

as low as

$50

Term

12 Months

Available in Traditional, Roth and SEP

Open Now an IRA EasyStart Special Certificate

Available in Traditional, Roth and SEP

Compare Retirement Savings Options 

After you've decided on a savings plan, the next step is to choose the savings option that will get you to your goals.

IRA Savings Account IRA MMSA & Jumbo MMSA IRA Certificate

Start early and save for your future on your terms while still earning dividends.

  • Long-term saving
  • Contribute at any time
  • No term restrictions

Earn more than a standard savings account by maintaining an account balance of $2,500 or more.

  • Higher balances receive greater earnings
  • Contribute at any time
  • No term restrictions

Plan ahead and earn guaranteed returns at a higher dividend rate than a savings account.

  • Variety of term options
  • Minimum deposit amount as low as $50
  • Competitive dividend rates

IRA Contribution Limits, Deadlines & Eligibility

Make sure you’re on top of your IRA. Read over IRA contribution limits, deadlines and eligibility here.

Learn More about IRA contribution limits, deadlines and eligibility.

Want More Information About Saving?

Explore our resources at Navy Federal's Savings Learning Center.

Learn More at the Savings Learning Center

Savings Resources

View Moresavings resources

Disclosures

1

Early withdrawals may have tax consequences, in addition to early withdrawal penalties or surrender charges. Consult a tax professional for more information.

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2

Limit one 10-Month Special Certificate per product type per member. Product types include Share, IRA (either Traditional, Roth, or SEP), and ESA. This offer, including the stated Annual Percentage Yield (APY), is effective January 6, 2025. Navy Federal reserves the right to end or modify this offer at any time. The 10-Month Special Certificate (Share/IRA/ESA) has a $50 minimum balance and a $250K maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Dividends earned are not included in the maximum balance allowed. 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 certificate accounts. Other restrictions may apply.

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3

Navy Federal's 10-Month Special Certificate rate is in comparison to the national average of the 12-Month Certificate rate. The national average for the 12-Month Certificate is 1.83% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps; accurate as of December 16, 2024.

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4

This APY is accurate as of 05/23/2025. 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.

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5

Limit one Special EasyStart Certificate per member. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Additional deposits are allowed at any time subject to the maximum contribution limit. Certificate owner(s) age 18 and older must have direct deposit and a Navy Federal checking account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Special EasyStart Certificate dividend rate will be adjusted to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew and any amount exceeding the $3,000 maximum contribution limit will be transferred to your Membership Savings Account unless instructed otherwise.

You may qualify for direct deposit if you have (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) Mobile deposits, ATM deposits, or Branch deposits totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.

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