Certificate Rates

Certificate Special Offers

Rates effective as of:
Product Minimum Deposit Term Dividend Rate APY*
3-Year Variable Certificate1 (Share/IRA/ESA) $500 3 years 2.75% 2.79%
Special EasyStart℠ Certificate2 $50 12 months 2.96% 3.00%

*APY=Annual Percentage Yield

Read Important Disclosures

1A new 3-Year Variable Rate is effective every first Monday of each month. Check navyfederal.org for the most up-to-date rate. Navy Federal reserves the right to end or modify this offer at any time. Rates for 3-Year Variable Certificates may change on the Certificate’s anniversary dates (at 12 and 24 months) from the purchase date. The Certificate’s dividend rate will not decrease more than one-half percentage point (0.50%) below the dividend rate at the time the Certificate was purchased or renewed, and there is no upper limitation on dividend rate changes. Minimum purchase amount of $500. Additional deposits are allowed for 30 days from the Certificate’s anniversary dates. Rates may change. 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 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 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: August 16, 2018, 1:00 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..60% 10,000 min..60% 20,000 min..60% 50,000 min..60% 100,000 min..70%
6 Month 1,000 min.1.25% 10,000 min.1.25% 20,000 min.1.25% 50,000 min.1.25% 100,000 min.1.35%
9 Month 1,000 min.1.50% 10,000 min.1.50% 20,000 min.1.50% 50,000 min.1.50% 100,000 min.1.60%
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.2.35% 10,000 min.2.35% 20,000 min.2.35% 50,000 min.2.35% 100,000 min.2.45%
24 Month 1,000 min.2.50% 10,000 min.2.50% 20,000 min.2.50% 50,000 min.2.50% 100,000 min.2.60%

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

3 Year 1,000 min.2.60% 10,000 min.2.60% 20,000 min.2.60% 50,000 min.2.60% 100,000 min.2.70%
4 Year 1,000 min.2.65% 10,000 min.2.65% 20,000 min.2.65% 50,000 min.2.65% 100,000 min.2.75%
5 Year 1,000 min.3.00% 10,000 min.3.00% 20,000 min.3.00% 50,000 min.3.00% 100,000 min.3.10%
6 Year 1,000 min.3.05% 10,000 min.3.05% 20,000 min.3.05% 50,000 min.3.05% 100,000 min.3.15%
7 Year 1,000 min.3.10% 10,000 min.3.10% 20,000 min.3.10% 50,000 min.3.10% 100,000 min.3.25%
  • *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: August 16, 2018, 1:00 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..60% 10,000 min..60% 20,000 min..60% 50,000 min..60% 100,000 min..70%
6 Month 1,000 min.1.25% 10,000 min.1.25% 20,000 min.1.25% 50,000 min.1.25% 100,000 min.1.35%
9 Month 1,000 min.1.50% 10,000 min.1.50% 20,000 min.1.50% 50,000 min.1.50% 100,000 min.1.60%
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.2.35% 10,000 min.2.35% 20,000 min.2.35% 50,000 min.2.35% 100,000 min.2.45%
24 Month 1,000 min.2.50% 10,000 min.2.50% 20,000 min.2.50% 50,000 min.2.50% 100,000 min.2.60%

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

3 Year 1,000 min.2.60% 10,000 min.2.60% 20,000 min.2.60% 50,000 min.2.60% 100,000 min.2.70%
4 Year 1,000 min.2.65% 10,000 min.2.65% 20,000 min.2.65% 50,000 min.2.65% 100,000 min.2.75%
5 Year 1,000 min.3.00% 10,000 min.3.00% 20,000 min.3.00% 50,000 min.3.00% 100,000 min.3.10%
6 Year 1,000 min.3.05% 10,000 min.3.05% 20,000 min.3.05% 50,000 min.3.05% 100,000 min.3.15%
7 Year 1,000 min.3.10% 10,000 min.3.10% 20,000 min.3.10% 50,000 min.3.10% 100,000 min.3.25%
  • *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: August 16, 2018, 1:00 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..60% 10,000 min..60% 20,000 min..60% 50,000 min..60% 100,000 min..70%
6 Month 1,000 min.1.25% 10,000 min.1.25% 20,000 min.1.25% 50,000 min.1.25% 100,000 min.1.35%
9 Month 1,000 min.1.50% 10,000 min.1.50% 20,000 min.1.50% 50,000 min.1.50% 100,000 min.1.60%
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.2.35% 10,000 min.2.35% 20,000 min.2.35% 50,000 min.2.35% 100,000 min.2.45%
24 Month 1,000 min.2.50% 10,000 min.2.50% 20,000 min.2.50% 50,000 min.2.50% 100,000 min.2.60%

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

3 Year 1,000 min.2.60% 10,000 min.2.60% 20,000 min.2.60% 50,000 min.2.60% 100,000 min.2.70%
4 Year 1,000 min.2.65% 10,000 min.2.65% 20,000 min.2.65% 50,000 min.2.65% 100,000 min.2.75%
5 Year 1,000 min.3.00% 10,000 min.3.00% 20,000 min.3.00% 50,000 min.3.00% 100,000 min.3.10%
6 Year 1,000 min.3.05% 10,000 min.3.05% 20,000 min.3.05% 50,000 min.3.05% 100,000 min.3.15%
7 Year 1,000 min.3.10% 10,000 min.3.10% 20,000 min.3.10% 50,000 min.3.10% 100,000 min.3.25%
  • *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: August 16, 2018, 1:00 AM EST
SaveFirst Account $5 3 mos. to 5 Years .90% .90%
EasyStart Certificate (Share, IRA and ESA) $100 12 mos. 1.98% 2.00%
Variable Rate Share, IRA and ESA Certificate $500 3 Years 2.75% 2.79%
  • *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

Members with Online Banking

or
Call us at 1-888-842-6328

Members without Online Banking

Open your 3-Year Variable Share, Individual Retirement Account (IRA),
or Education Savings Account (ESA) here:

Open your 12-Month Special EasyStart Certificate here:

Members With Online Banking

Members Without Online Banking

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