IRA Money Market & Jumbo Money Market Savings Accounts

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Make the Most of Your Retirement Savings

Boost your retirement savings with IRA Money Market and Jumbo Money Market Savings Accounts.

Earn dividends with a minimum balance of $2,500
Grow your earnings with competitive rates
Earn more than a standard savings account

APY as high as

0.500% ¹

Term

None

Explore Our Accounts

IRA Money Market Savings Account

Take advantage of higher dividends in exchange for a minimum balance of $2,500 or more. ¹

Minimum Deposit	APY
$0 to $2,499	0.00%
$2,500 to $9,999	0.40%
$10,000 to $24,999	0.45%
$25,000 to $49,999	0.45%
$50,000 and over	0.45%

Rates apply to the entire balance, not just the amount over the tier threshold. Monthly compounded, monthly credited.

Available in Traditional, Roth and SEP

Open Now open an MMSA

Jumbo IRA Money Market Savings Account

Earn Jumbo dividend rates on account balances of $100,000 or more.¹

Minimum Deposit	APY
$0 to $99,999	0.25%
$100,000 to $249,999	0.50%
$250,000 and over	0.50%

Rates apply to the entire balance, not just the amount over the tier threshold. Monthly compounded, monthly credited.

Available in Traditional, Roth and SEP

Open Now open a JMMSA

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 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

Retirement Interest Calculator

Find out how much your accounts can earn from now until the start of retirement.
Learn Moreabout Retirement Interest Calculator
Savings Rates

Explore and compare dividend rates of all Navy Federal savings products.
Learn Moreabout Savings Rates
Switch to Paperless Statements

Reduce waste while increasing your account security. Make the switch to paperless statements.
Learn Moreabout Switch to Paperless Statements

For more information, visit our Savings FAQ page.

Disclosures

Rates on variable accounts (e.g., Share Savings, Checking, MMSA) may change after the account is open. This APY is accurate as of 04/17/2021. Fees may reduce earnings.

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