Certificate Rates

Certificate Special Offers

Rates effective as of:
Product Minimum Deposit Term Dividend Rate APY
Special 37-Month Certificate1 $50 37 months 2.96% 3.00%
Special EasyStart℠ Certificate2 $50 12 months 3.44% 3.50%

APY=Annual Percentage Yield

Read Important Disclosures

1Limit one Special 37-Month IRA/ESA Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective December 6, 2019. Navy Federal reserves the right to end or modify this offer at any time. The Special 37-Month IRA/ESA Certificate has a $50 minimum and a $150,000 maximum balance. Only available for IRA/ESA Certificates. Additional deposits are allowed at any time, subject to the maximum balance. IRA/ESA certificate subject to IRS contribution limits. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

2Limit one Special EasyStart Certificate per member. This offer, including the stated APY, is effective Dec. 10, 2018. 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 standard EasyStart Certificate for the remainder of the certificate's term.

Share Certificates

Rates effective as of: December 8, 2019, 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.1.10% 10,000 min.1.10% 20,000 min.1.10% 50,000 min.1.10% 100,000 min.1.20%
6 Month 1,000 min.1.65% 10,000 min.1.65% 20,000 min.1.65% 50,000 min.1.65% 100,000 min.1.76%
9 Month 1,000 min.1.76% 10,000 min.1.76% 20,000 min.1.76% 50,000 min.1.76% 100,000 min.1.85%
12 Month 1,000 min.2.00% 10,000 min.2.00% 20,000 min.2.00% 50,000 min.2.00% 100,000 min.2.10%
18 Month 1,000 min.2.05% 10,000 min.2.05% 20,000 min.2.05% 50,000 min.2.05% 100,000 min.2.15%
24 Month 1,000 min.2.10% 10,000 min.2.10% 20,000 min.2.10% 50,000 min.2.10% 100,000 min.2.20%

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

3 Year 1,000 min.2.15% 10,000 min.2.15% 20,000 min.2.15% 50,000 min.2.15% 100,000 min.2.25%
4 Year 1,000 min.2.20% 10,000 min.2.20% 20,000 min.2.20% 50,000 min.2.20% 100,000 min.2.30%
5 Year 1,000 min.2.25% 10,000 min.2.25% 20,000 min.2.25% 50,000 min.2.25% 100,000 min.2.35%
6 Year 1,000 min.2.30% 10,000 min.2.30% 20,000 min.2.30% 50,000 min.2.30% 100,000 min.2.40%
7 Year 1,000 min.2.35% 10,000 min.2.35% 20,000 min.2.35% 50,000 min.2.35% 100,000 min.2.45%
  • *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 may apply for early withdrawals from certificate accounts
  • Offering rates may change
  • Dividends compounded daily, credited monthly

IRA Certificates

Rates effective as of: December 8, 2019, 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.1.10% 10,000 min.1.10% 20,000 min.1.10% 50,000 min.1.10% 100,000 min.1.20%
6 Month 1,000 min.1.65% 10,000 min.1.65% 20,000 min.1.65% 50,000 min.1.65% 100,000 min.1.76%
9 Month 1,000 min.1.76% 10,000 min.1.76% 20,000 min.1.76% 50,000 min.1.76% 100,000 min.1.85%
12 Month 1,000 min.2.00% 10,000 min.2.00% 20,000 min.2.00% 50,000 min.2.00% 100,000 min.2.10%
18 Month 1,000 min.2.05% 10,000 min.2.05% 20,000 min.2.05% 50,000 min.2.05% 100,000 min.2.15%
24 Month 1,000 min.2.10% 10,000 min.2.10% 20,000 min.2.10% 50,000 min.2.10% 100,000 min.2.20%

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

3 Year 1,000 min.2.15% 10,000 min.2.15% 20,000 min.2.15% 50,000 min.2.15% 100,000 min.2.25%
4 Year 1,000 min.2.20% 10,000 min.2.20% 20,000 min.2.20% 50,000 min.2.20% 100,000 min.2.30%
5 Year 1,000 min.2.25% 10,000 min.2.25% 20,000 min.2.25% 50,000 min.2.25% 100,000 min.2.35%
6 Year 1,000 min.2.30% 10,000 min.2.30% 20,000 min.2.30% 50,000 min.2.30% 100,000 min.2.40%
7 Year 1,000 min.2.35% 10,000 min.2.35% 20,000 min.2.35% 50,000 min.2.35% 100,000 min.2.45%
  • *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 apply for early withdrawals from certificate accounts
  • Offering rates may change
  • Dividends compounded daily, credited monthly

ESA Certificates

Rates effective as of: December 8, 2019, 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.1.10% 10,000 min.1.10% 20,000 min.1.10% 50,000 min.1.10% 100,000 min.1.20%
6 Month 1,000 min.1.65% 10,000 min.1.65% 20,000 min.1.65% 50,000 min.1.65% 100,000 min.1.76%
9 Month 1,000 min.1.76% 10,000 min.1.76% 20,000 min.1.76% 50,000 min.1.76% 100,000 min.1.85%
12 Month 1,000 min.2.00% 10,000 min.2.00% 20,000 min.2.00% 50,000 min.2.00% 100,000 min.2.10%
18 Month 1,000 min.2.05% 10,000 min.2.05% 20,000 min.2.05% 50,000 min.2.05% 100,000 min.2.15%
24 Month 1,000 min.2.10% 10,000 min.2.10% 20,000 min.2.10% 50,000 min.2.10% 100,000 min.2.20%

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

3 Year 1,000 min.2.15% 10,000 min.2.15% 20,000 min.2.15% 50,000 min.2.15% 100,000 min.2.25%
4 Year 1,000 min.2.20% 10,000 min.2.20% 20,000 min.2.20% 50,000 min.2.20% 100,000 min.2.30%
5 Year 1,000 min.2.25% 10,000 min.2.25% 20,000 min.2.25% 50,000 min.2.25% 100,000 min.2.35%
6 Year 1,000 min.2.30% 10,000 min.2.30% 20,000 min.2.30% 50,000 min.2.30% 100,000 min.2.40%
7 Year 1,000 min.2.35% 10,000 min.2.35% 20,000 min.2.35% 50,000 min.2.35% 100,000 min.2.45%
  • *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 apply for early withdrawals from certificate account
  • Offering rates may change
  • Dividends compounded daily, credited monthly
Product Minimum Deposit Term Dividend Rate APY*
Rates effective as of: December 8, 2019, 8:20 AM EST
SaveFirst Account $5 3 mos. to 5 Years 1.00% 1.01%
EasyStart Certificate (Share, IRA and ESA) $50 6 mos. 1.49% 1.50%
EasyStart Certificate (Share, IRA and ESA) $50 12 mos. 1.83% 1.85%
EasyStart Certificate (Share, IRA and ESA) $50 18 mos. 1.88% 1.90%
EasyStart Certificate (Share, IRA and ESA) $50 24 mos. 1.93% 1.95%
Variable Rate Share, IRA and ESA Certificate $500 3 Years 1.88% 1.90%
  • *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 Certificates adjust each year on the anniversary date of the purchase
  • Penalties apply for early withdrawals from certificate accounts
  • Offering rates may change
  • Dividends compounded daily, credited monthly

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