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Find your match

Whether you're saving a little or a lot, there's an account for you.

  • Share Savings Accounts

    Start building your savings with our standard dividend-bearing account. Plus, get free tools to help you stay on track.

    Open now

  • Certificate Accounts

    Set money aside for a specific amount of time and earn more than a basic savings account. Lock in a fixed rate for the life of the certificate.

    • Standard Certificate
    • EasyStartSM Certificate
    • Special EasyStartSM CertificateFootnote [1]

    Learn more

  • Money Market AccountsFootnote [2]

    Get all the benefits of a savings account with the flexibility to write checks, make transfers and withdraw funds. No set term required.

    • Money Market Savings Account
    • Jumbo Money Market Savings Account

    Learn more

  • Education Savings

    Prepare for future education costs with a tax-advantaged savings option.Footnote [3]

    • Education Savings Account (ESA)Footnote [4]
    • Education Money Market Savings AccountFootnote [3]
    • Education Standard Certificate

    Learn more

  • Retirement Accounts

    Save for the future you envision with a tax-advantaged Traditional, Roth or Simplified Employee Pension (SEP) account.Footnote [3]

    • Retirement Savings Account
    • Retirement Money Market and Jumbo Money Market Savings AccountFootnote [2]
    • Retirement Standard Certificate

    Learn more

  • Set a Goal. Track Your Progress.

    Research shows you're more likely to reach a goal when you name it and track it. My Savings Goals helps you get organized, monitor your progress and stay focused.

    See how

Every Navy Federal savings account is federally insured by NCUA.

Open a savings account online in just 3 steps!

  1. If you’re not yet a member, confirm your eligibility.
  2. You’ll need:
    - government-issued ID
    - Social Security number
    - birthdate
    - address
    - phone number
  3. Fund your new account.
Open A Savings Account Online

Why do millions choose Navy Federal?

Helping members isn't just part of what we do. It's the reason we’re here.

  • Member-owned and
    not-for-profit  

  • Low fees and
    great rates

  • Branch, ATM and digital banking* access 

  • 24/7 stateside member support

More ways to grow your money

    Navy Federal Investment ServicesFootnote [5]

    Your financial future is about more than saving. Discover how we can help you build and protect your wealth through investment services, no-cost financial planning and other long-term planning solutions.

    Explore your options

    Business Solutions: Savings options for your business

    Own a business and want to boost your company’s cash? From money market savings accounts to certificates, earn a great rate on any of our dividend-earning options.

    See what we offer

Savings tools

Saving is easier when you can see where you're headed. Use these tools to automate savings, see your progress and plan ahead.

Explore our tips, tools and practical ideas to help you make the most of your savings.

In the Press

Frequently Asked Questions

    Savings accounts work similarly at banks and credit unions. The biggest difference is who benefits from the institution’s earnings. Banks are typically for-profit and return earnings to their shareholders. Credit unions are member-owned and not-for-profit, so they return their earnings to their members in the form of lower fees and more competitive rates.

    No. Navy Federal Credit Union doesn’t charge monthly maintenance fees on its savings accounts, although some accounts have a minimum opening deposit and balance requirement.

    Yes. Credit union savings accounts are generally federally insured by the National Credit Union Administration (NCUA), up to the limits established by law. Navy Federal accounts are backed by NCUA insurance.

Not a member? Join today

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Disclosures

1

Limit one Special EasyStart Certificate per product type per member. Product types include Share, IRA (either Traditional, Roth, or SEP), and ESA. 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, branch deposits, or payments from the FedNow® Payment network, the Real Time Payment network, or third-party services that facilitate payments to your debit card using the Navy Federal Credit Union Debit Card, totaling at least $500 and recurring for at least 3 out of 4 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 3 out of 4 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 3 out of 4 consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.

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2

A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts.

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3

Consult with your tax advisor.

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4

Contributions can be made up to the maximum annual deposit amount of $2,000 per child per year.

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5

Navy Federal Financial Group, LLC (NFFG) is a licensed insurance agency. Non-deposit investments, brokerage, and advisory products are only sold through Navy Federal Investment Services, LLC (NFIS), a member of FINRA/SIPC and an SEC-registered investment advisory firm. NFIS is a wholly owned subsidiary of NFFG. Insurance products are offered through NFFG and NFIS. These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of Navy Federal Credit Union (NFCU), are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal. Deposit products and related services are provided by NFCU. Financial Advisors are employees of NFFG, and they are employees and registered representatives of NFIS. NFIS and NFFG are affiliated companies under the common control of NFCU. Call 1-877-221-8108 for further information.

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