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Navy Federal Credit Union

Certificate Rates

Certificate Special Offers

Rates effective as of:
Product Minimum Deposit Term Dividend Rate APY*
Special 17-Month Certificate
(Share/IRA/ESA)1
$50 17 months
2.00%
Special EasyStartSM Certificate
(Share/IRA/ESA)2
$50 12 months
3.00%
For Dividend Rates, please hover your mouse over an APY.

*APY=Annual Percentage Yield

View Terms & Conditions

1This offer, including the stated Annual Percentage Yield (APY), is effective December 5, 2016. Navy Federal reserves the right to end or modify this offer at any time. Members can open a limited number of Special 17-Month Certificates; one share certificate and one IRA certificate. Each Special 17-Month Certificate has a $50 minimum and a $50,000 maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Penalties apply for early withdrawals from certificates.

2Limit one Special EasyStart Certificate per member. This offer, including the stated APY, is effective March 25, 2013. 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 a Direct Deposit of Net Pay or a 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 standard EasyStart Certificate for the remainder of the certificate's term.

Share Certificates

Rates effective as of: February 21, 2017, 1:01 AM EST
Term $1K minimum APY* $10K minimum APY* $20K minimum APY* $50K minimum APY* $100K minimum APY*

Short-Term Certificate Rates (Click an APY to update the Certificate Return Estimator below.)

3 Month 1,000 min..45% 10,000 min..45% 20,000 min..50% 50,000 min..50% 100,000 min..55%
6 Month 1,000 min..65% 10,000 min..65% 20,000 min..70% 50,000 min..70% 100,000 min..75%
9 Month 1,000 min..75% 10,000 min..75% 20,000 min..80% 50,000 min..80% 100,000 min..85%
12 Month 1,000 min.1.05% 10,000 min.1.05% 20,000 min.1.10% 50,000 min.1.10% 100,000 min.1.15%
18 Month 1,000 min.1.15% 10,000 min.1.15% 20,000 min.1.20% 50,000 min.1.20% 100,000 min.1.25%
24 Month 1,000 min.1.45% 10,000 min.1.45% 20,000 min.1.50% 50,000 min.1.50% 100,000 min.1.55%

Long-Term Certificate Rates (Click an APY to update the Certificate Return Estimator below.)

3 Year 1,000 min.1.55% 10,000 min.1.55% 20,000 min.1.60% 50,000 min.1.60% 100,000 min.1.65%
4 Year 1,000 min.1.76% 10,000 min.1.76% 20,000 min.1.80% 50,000 min.1.80% 100,000 min.1.85%
5 Year 1,000 min.1.80% 10,000 min.1.80% 20,000 min.1.85% 50,000 min.1.85% 100,000 min.1.90%
6 Year 1,000 min.1.85% 10,000 min.1.85% 20,000 min.1.90% 50,000 min.1.90% 100,000 min.1.95%
7 Year 1,000 min.1.95% 10,000 min.1.95% 20,000 min.2.00% 50,000 min.2.00% 100,000 min.2.05%
  • *APY=Annual Percentage Yield.
  • The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding.
  • Penalties for early withdrawal on term share accounts.
  • Fees may reduce earnings.
  • Offering rates may change.
  • Dividends compounded daily, credited monthly.

IRA Certificates

Rates effective as of: February 21, 2017, 1:01 AM EST
Term $1K minimum APY* $10K minimum APY* $20K minimum APY* $50K minimum APY* $100K minimum APY*

Short-Term IRA Certificate Rates (Click an APY to update the Certificate Return Estimator below.)

3 Month 1,000 min..45% 10,000 min..45% 20,000 min..50% 50,000 min..50% 100,000 min..55%
6 Month 1,000 min..65% 10,000 min..65% 20,000 min..70% 50,000 min..70% 100,000 min..75%
9 Month 1,000 min..75% 10,000 min..75% 20,000 min..80% 50,000 min..80% 100,000 min..85%
12 Month 1,000 min.1.05% 10,000 min.1.05% 20,000 min.1.10% 50,000 min.1.10% 100,000 min.1.15%
18 Month 1,000 min.1.15% 10,000 min.1.15% 20,000 min.1.20% 50,000 min.1.20% 100,000 min.1.25%
24 Month 1,000 min.1.45% 10,000 min.1.45% 20,000 min.1.50% 50,000 min.1.50% 100,000 min.1.55%

Long-Term IRA Certificate Rates (Click an APY to update the Certificate Return Estimator below.)

3 Year 1,000 min.1.55% 10,000 min.1.55% 20,000 min.1.60% 50,000 min.1.60% 100,000 min.1.65%
4 Year 1,000 min.1.76% 10,000 min.1.76% 20,000 min.1.80% 50,000 min.1.80% 100,000 min.1.85%
5 Year 1,000 min.1.80% 10,000 min.1.80% 20,000 min.1.85% 50,000 min.1.85% 100,000 min.1.90%
6 Year 1,000 min.1.85% 10,000 min.1.85% 20,000 min.1.90% 50,000 min.1.90% 100,000 min.1.95%
7 Year 1,000 min.1.95% 10,000 min.1.95% 20,000 min.2.00% 50,000 min.2.00% 100,000 min.2.05%
  • *APY=Annual Percentage Yield.
  • The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding.
  • Penalties for early withdrawal on term share accounts.
  • Fees may reduce earnings.
  • Offering rates may change.
  • Dividends compounded daily, credited monthly.

ESA Certificates

Rates effective as of: February 21, 2017, 1:01 AM EST
Term $1K minimum APY* $10K minimum APY* $20K minimum APY* $50K minimum APY* $100K minimum APY*

Short-Term ESA Certificate Rates (Click an APY to update the Certificate Return Estimator below.)

3 Month 1,000 min..45% 10,000 min..45% 20,000 min..50% 50,000 min..50% 100,000 min..55%
6 Month 1,000 min..65% 10,000 min..65% 20,000 min..70% 50,000 min..70% 100,000 min..75%
9 Month 1,000 min..75% 10,000 min..75% 20,000 min..80% 50,000 min..80% 100,000 min..85%
12 Month 1,000 min.1.05% 10,000 min.1.05% 20,000 min.1.10% 50,000 min.1.10% 100,000 min.1.15%
18 Month 1,000 min.1.15% 10,000 min.1.15% 20,000 min.1.20% 50,000 min.1.20% 100,000 min.1.25%
24 Month 1,000 min.1.45% 10,000 min.1.45% 20,000 min.1.50% 50,000 min.1.50% 100,000 min.1.55%

Long-Term ESA Certificate Rates (Click an APY to update the Certificate Return Estimator below.)

3 Year 1,000 min.1.55% 10,000 min.1.55% 20,000 min.1.60% 50,000 min.1.60% 100,000 min.1.65%
4 Year 1,000 min.1.76% 10,000 min.1.76% 20,000 min.1.80% 50,000 min.1.80% 100,000 min.1.85%
5 Year 1,000 min.1.80% 10,000 min.1.80% 20,000 min.1.85% 50,000 min.1.85% 100,000 min.1.90%
6 Year 1,000 min.1.85% 10,000 min.1.85% 20,000 min.1.90% 50,000 min.1.90% 100,000 min.1.95%
7 Year 1,000 min.1.95% 10,000 min.1.95% 20,000 min.2.00% 50,000 min.2.00% 100,000 min.2.05%
  • *APY=Annual Percentage Yield.
  • The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding.
  • Penalties for early withdrawal on term share accounts.
  • Fees may reduce earnings.
  • Offering rates may change.
  • Dividends compounded daily, credited monthly.
Product Minimum Deposit Term Dividend Rate APY*
Rates effective as of: February 21, 2017, 1:01 AM EST
SaveFirst Account $5 3 mos. to 5 Years .60% .60%
EasyStart Certificate (Share, IRA and ESA) $100 12 mos. 1.04% 1.05%
Variable Rate Share, IRA and ESA Certificate $500 3 Years 1.14% 1.15%
  • *APY=Annual Percentage Yield.
  • The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding.
  • Rates for 3-year Variable Rate Share and IRA Certificate adjust each year on the anniversary date of the purchase.
  • Penalties for early withdrawal on term share accounts.
  • Fees may reduce earnings.
  • Offering rates may change.
  • Dividends compounded daily, credited monthly.

Members with Account Access

or
Call us at 1-888-842-6328

Members without Account Access

Members with Online Banking

For Special 17-Month Share Certificate

For Special 17-Month IRA/ESA

For Special EasyStart Certificate

Members without Online Banking

For Special 17-Month Share Certificate

For Special 17-Month IRA/ESA

(for Existing Plan Holder)

For Special 17-Month IRA/ESA

(Open a New IRA Plan)

For Special EasyStart Certificate

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