To continue enjoying all the features of Navy Federal Online, please use a compatible browser. You can confirm your browser capability here.

Celebrate! New Tiers and Higher Rates on Our Jumbo Money Market Savings Accounts

Enjoy more options and guaranteed returns on your money.

See the Rates

Share Savings Accounts

Product Minimum Deposit Term Dividend Rate APY
Share Savings Account± $5.00 None 0.25% 0.25%
IRA Share Accounts (ESA, Roth, SEP and Traditional) None None 0.25% 0.25%

Compounded and credited monthly. Fees may reduce earnings. Offering rates may change.

±A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum.

Open a Share Account a Share Account Open an IRA Account

Money Market Savings Account (MMSA) Rates — Savings, IRA & ESA

Minimum Deposit Dividend Rate APY
$0 - $2,499 0.00% 0.00%
$2,500 - $9,999 0.95% 0.95%
$10,000 - $24,999 1.05% 1.06%
$25,000 - $49,999 1.09% 1.10%
$50,000 and over 1.49% 1.50%

Compounded and credited monthly. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts (e.g., Share Savings, Checking, and MMSA) could change after account opening. Fees may reduce earnings.

Open an MMSA Account Now

Jumbo Money Market Savings Account (MMSA) Rates — Savings & IRA

Minimum Deposit Dividend Rate APY
$0 - $99,999 0.25% 0.25%
$100,000 - $249,999 1.64% 1.65%
$250,000 - $499,999 1.83% 1.85%
$500,000 - $999,999 2.03% 2.05%
$1,000,000 and over 2.23% 2.25%

Compounded and credited monthly. Rates on variable-rate accounts (e.g., Share Savings, Checking, and MMSA) could change after account opening. Fees may reduce earnings. Should the balance in a Jumbo MMSA account fall below $100,000, the dividend rate paid will be the Savings Account rate for each day the account is below $100,000.

Open a Jumbo MMSA Account Now

SaveFirst Account

SaveFirst Account
Product Minimum Deposit Term Dividend Rate APY
SaveFirst Account $5.00 3–60 Months 0.40% 0.40%

Penalties for early withdrawal on term share accounts. Fees may reduce earnings. Offering rates may change.

Open a SaveFirst Account Now