Certificate Rates
Lock In Sky-High Rates
Dreaming of sunny beaches, a fabulous retirement or something special? You could be earning more on your hard-earned money—with extra flexibility to choose your rate and term.
What's the Difference Between a Share Certificate and a CD?
They’re pretty similar. You can get share certificates at credit unions (not-for-profit) and CDs at banks (for profit). They’re both low-risk accounts that securely grow your money for a fixed period of time—regardless of what’s happening in the market. And, best of all, they generally earn more than other savings options.
Explore our certificate rates below and enjoy one of the safest paths to financial security.
Short-Term Certificate Rates (Share, IRA, ESA) 3
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
| Term | $1K Minimum APY | $20K Minimum APY | $100K Minimum APY |
|---|---|---|---|
| 3 Months | 4.00% | 4.00% | 4.05% |
| 6 Months | 0.45% | 0.45% | 0.50% |
| 12 Months | 4.90% | 4.90% | 4.95% |
| 18 Months | 4.50% | 4.50% | 4.55% |
| 24 Months | 4.20% | 4.20% | 4.25% |
Rates as of Sep 22, 2023 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)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
| Term | $1K Minimum APY | $20K Minimum APY | $100K Minimum APY |
|---|---|---|---|
| 3 Years | 4.20% | 4.20% | 4.25% |
| 5 Years | 4.00% | 4.00% | 4.05% |
| 7 Years | 4.00% | 4.00% | 4.05% |
Rates as of Sep 22, 2023 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.
SaveFirst Account Rates3
SaveFirst Accounts are best for:
- Saving money for a special occasion without being tempted to spend it
- Making additional deposits to the account to reach your goal more quickly
- Setting your own terms to match your goal date
| Product | Minimum Deposit | Term | Dividend Rate | APY |
|---|---|---|---|---|
| SaveFirst Account | $5.00 | 3—60 Months | 0.40% | 0.40% |
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)3
EasyStart Certificates are best for:
- Saving at a higher rate of return with a low minimum purchase
- Making additional deposits at any time
- Enjoying flexible term lengths
| Term | Minimum Deposit | Dividend Rate | APY |
|---|---|---|---|
| 6 Months | $50.00 | 0.40% | 0.40% |
| 12 Months | $50.00 | 4.74% | 4.85% |
| 18 Months | $50.00 | 4.35% | 4.45% |
| 24 Months | $50.00 | 4.07% | 4.15% |
Rates as of Sep 22, 2023 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.
Disclosures
Limit one Special EasyStart Certificate per member. APY accurate as of 09/22/2023. Navy Federal reserves the right to end or modify this offer at any time. Penalty for early withdrawal. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay or payroll allotment 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 reduced to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate’s term.
↵This offer, including the stated Annual Percentage Yield (APY), is effective August 7, 2023. Navy Federal reserves the right to end or modify this offer at any time. The rate is applicable to the 3-Month certificate term only. Minimum purchase amounts of $1,000, $20,000 Annual Percentage Yield (APY) 4.00%. Minimum purchase amount of $100,000 Annual Percentage Yield (APY) 4.05%. No maximum purchase amount. IRA/ESA certificate subject to IRS contribution limits. Additional deposits are not allowed. Penalties apply for early withdrawals from certificates. Other restrictions may apply.
↵Rates as of 09/22/2023
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