Certificate Rates
| Product | Minimum Deposit | Term | Dividend Rate | APY |
|---|---|---|---|---|
| Special EasyStartSM CertificateFootnote 1 | $50 | 12 months | 4.21% | 4.30% |
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10-Month Special Certificate
(Share, IRA, ESA)Footnote 2
Our current 10-Month Special Certificate is best for:
- building wealth to reach financial goals
- locking in a sky-high rate to earn and save more
- getting guaranteed returns
- having the flexibility to add money anytime
Open Now Open a 10-Month Special Certificate Now
| Product | Minimum Deposit | Term | Dividend Rate | APY |
|---|---|---|---|---|
| 10-Month Special CertificateFootnote 2 |
$50 | 10 months | 4.26% | 4.35% |
Short-Term Certificate Rates
(Share, IRA, ESA)
Short-term certificates are best for:
- Enjoying increased dividend rates coupled with shorter term lengths
- Individuals who are interested in making a single deposit
- Having the freedom to renew the certificate after the maturation date
Open Now Open a 10-Month Special Certificate Now
| We are sorry, we are having trouble retrieving our rates information. Check back later, or call us at 1-888-842-6328 to speak with a rep about our most up-to-date rates. |
Rates as of May 18, 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. |
Long-Term Certificate Rates (Share, IRA, ESA)Footnote 3
Long-term certificates are best for:
- Individuals who don't need flexible access to savings
- Setting aside funds for several years at a time
- Safely ensuring money growth despite possible market fluctuations
| We are sorry, we are having trouble retrieving our rates information. Check back later, or call us at 1-888-842-6328 to speak with a rep about our most up-to-date rates. |
Rates as of May 18, 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. |
EasyStart Certificate Rates (Share, IRA, ESA)Footnote 3
EasyStart Certificates are best for:
- Saving at a higher rate of return with a low minimum deposit
- Making additional deposits at any time
- Enjoying flexible term lengths
| We are sorry, we are having trouble retrieving our rates information. Check back later, or call us at 1-888-842-6328 to speak with a rep about our most up-to-date rates. |
Rates as of May 18, 2025 ET. |
The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Subject to IRS annual contribution limits for IRAs. |
Frequently Asked Questions
What’s the Difference Between a Share Certificate and a CD?
They’re pretty similar. The difference is whether you open an account at a credit union or a bank. You can get share certificates at credit unions (not-for-profit) and CDs at banks (for profit).
Why Open a Certificate Account?
They typically earn a higher savings rate than you'd get with a traditional savings account. Plus, they’re federally insured, which means they're a great, low-risk way to boost your savings. And, because you open them for a specific period of time, it's easier to make saving a habit. At Navy Federal, you can ignite your savings with some of the best rates in the industry!
How to Choose the Best Certificate for You
- The first thing you’ll need to decide is how long you can leave your money untouched. In general, the longer your certificate’s term, the higher your rate will be.
- Next, see if the certificate requires a minimum deposit amount and, if so, whether it fits your budget. You’ll also need to know if there’s a maximum amount you can deposit.
- Then, you’ll determine if the certificate you’re choosing will allow you to make additional deposits after opening, or if you can only make a one-time deposit.
- Finally, find out what types of penalties are involved if you withdraw money early.
Check Out Our Other Savings Rates
From traditional savings accounts to money market and jumbo money market accounts to IRAs, take a look at our red-hot rates!
Disclosures
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.
↵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.
↵Rates as of 05/18/2025
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