Level Up Your Savings

This Military Saves Month, join the movement of people taking their commitment to savings to the next level.

Take the Military Saves Pledge

Making the commitment to save is the most important step of your savings success story. So, take the pledge and join a community of people dedicated to saving money, reducing debt and improving financial wellness.  

Get even more support along the way by opting in to receive reminders and saving tips by text message from America Saves. 

Kick Start Your Savings Goals

Our certificates are just right for getting started. Take advantage of these great offers and watch your money grow.

Building Your Rainy Day Fund?

Boost your savings quickly with an EasyStartSM1  or Special EasyStart Certificate2 to fit your goals and needs.

  • Start with just $50
  • Choose a term of 6, 12, 18 or 24 months
  • Add money regularly with automatic transfers

Plus, you can earn up to $30 when you open a new EasyStart or Special EasyStart Certificate and complete 3 automatic transfers in the first 3 months after opening your certificate.3

Learn More about EasyStart Certificates

Planning for Retirement?

Open an IRA to supercharge your retirement savings.

  • Start with just $50
  • Add money anytime, automatically
  • Earn returns as high as 3.00% APY4

And, get a $50 bonus when you open your first IRA plan.5

Learn More to get an IRA plan

Disclosures

1

The 6, 12, 18 and 24-Month EasyStart Certificates have a $50 minimum purchase amount. No maximum purchase amount. Additional deposits are allowed at any time. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

2

Limit one Special EasyStart Certificate per member. 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. 

3

Limit one $30 bonus per member. Primary account holders only. Primary certificate holder must be at least 18 years of age. To qualify for the $30 bonus, members must open a new EasyStart Share or Special EasyStart Share Certificate between 1/5/2021 and 6/1/2021, and complete a total of three (3) automatic transfers within three (3) months of certificate opening. Minimum balance of $50 required to open an EasyStart Share or Special EasyStart Share Certificate. Once the three (3) automatic transfers have been completed, Navy Federal will credit the $30 bonus within 30 days. Bonus will be credited to the member’s savings account, then transferred to the EasyStart Share or Special EasyStart Share Certificate. Example: Members who open an EasyStart Share or Special EasyStart Share Certificate on May 10, 2021 must complete three automatic transfers by August 10, 2021, and will receive the $30 bonus by September 9, 2021. Members who open a Special EasyStart Share Certificate at the $3,000 maximum balance are not eligible for the bonus since they are unable to fulfill the automatic transfer requirement. Penalties apply for early withdrawals from the EasyStart Share or Special EasyStart Share Certificate, including any earned dividends. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the dividend. Taxes related to the bonus are the member’s responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.

4

This APY is accurate as of 04/18/2021. This APY is an annualized rate that reflects estimated earnings based on the dividend rate and frequency of compounding. Dividends compounded daily, credited monthly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change.

5

Offer is effective 1/5/2021 and can end or be modified at any time. Limit one $50 bonus per member. Primary account holders only. To qualify for the $50 bonus, members must open their first IRA plan and deposit a minimum of $50 in the new IRA account no later than 45 days after account opening. Once the $50 required minimum balance has been deposited to the IRA, Navy Federal will credit the bonus directly into the new IRA account within 45 days. Example: Members who open their first IRA plan on 1/10/2021 and fund their $50 minimum on 2/15/2021 will receive the $50 bonus in their IRA account by 3/30/2021. The bonus will be credited to the IRA in the form of a dividend and will not be reportable as a contribution. Account must be in good standing for credit to be processed. Penalties apply for early withdrawals from the certificate, including any earned dividends. Members should consult a tax consultant or obtain legal advice regarding any tax implications related to the dividend. Taxes related to the $50 IRA bonus are the member's responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.

The Navy Federal products and services presented on this page are in no way associated with or provided by—and do not imply any endorsement by—Military Saves or its affiliates or partners.

Military Saves is administered by the Consumer Federation of America. The Consumer Federation of America is a third-party entity and is not affiliated with Navy Federal. Please see the disclosure below and review the provided links for additional information.

Any personal information that is collected, maintained and used by the Consumer Federation of America (CFA), the non-profit organization in charge of the Military Saves program, is voluntarily provided by individuals in connection with the pledge form above. No personal information described above is collected directly by the Department of Defense (DoD); however, CFA may share certain aggregated, non-identifying information with the DoD, limited to service branch, installation, and pay grade. The DoD uses this information for reporting purposes and maintains all such information in accordance with the requirements of section 552a of Title 5, United States Code, also known as, The Privacy Act of 1974.

All personal information will be treated confidentially. Please refer to the CFA’s privacy policy for more information. If you've already enrolled and wish to update your information, visit militarysaves.org. Note: the pledge form is not a DoD website.