IRA Certificates
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
Short-Term Certificate Rates
| 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 17, 2025 ET. |
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| 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. |
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Long-Term Certificate Rates
| Term | $1K Minimum APY | $20K Minimum APY | $100K Minimum APY |
|---|---|---|---|
| 3 Years | 3.70% | 3.70% | 3.75% |
| 5 Years | 3.50% | 3.50% | 3.55% |
| 7 Years | 3.50% | 3.50% | 3.55% |
Rates as of May 17, 2025 ET. |
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| 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. |
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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
EasyStart Certificate Rates
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 12 Months | $50.00 | 3.87% | 3.95% |
| 18 Months | $50.00 | 3.68% | 3.75% |
| 24 Months | $50.00 | 3.49% | 3.55% |
Rates as of May 17, 2025 ET. |
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| 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. |
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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
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.
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Earn more than a standard savings account by maintaining an account balance of $2,500 or more.
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Plan ahead and earn guaranteed returns at a higher dividend rate than a savings account.
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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.
Savings Resources
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Moving Your Money: IRA Transfers & Rollovers
Consolidating your IRAs can simplify your retirement savings and provide tax benefits.
Learn More about Moving Your Money: IRA Transfers & Rollovers -
Certificate Laddering Strategy
Save smart and earn the best rate possible by laddering certificates.
Learn More about Certificate Laddering Strategy -
Switch to Paperless Statements
Reduce waste while increasing your account security. Make the switch to paperless statements.
Learn More about Switch to Paperless Statements
Disclosures
Early withdrawals may have tax consequences, in addition to early withdrawal penalties or surrender charges. Consult a tax professional for more information.
↵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.
↵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.
↵This APY is accurate as of 05/17/2025. 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.
↵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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