Special 15-Month Share Certificate at 2.25% APY1

Watch Your Savings Take Off!

Limited-Time Share Certificate Special

Open your 15-Month Share Certificate here:

Members With Online Banking
Open Now

Members Without Online Banking

Open Now

Special 32-Month IRA Certificate at 2.75% APY2 (IRA & ESA only)

Your Savings Can Soar Even Higher!

Limited-Time IRA and ESA Certificate Specials

Launch a New Savings Path!
If this is your first IRA with Navy Federal, you can earn a $100 bonus!3

Open your 32-Month Individual Retirement Account (IRA) or Educational Savings Account (ESA) Certificate here:

Members With Online Banking

Members Without Online Banking

Special 12-Month EasyStartSM Certificate

Start building your savings quickly and easily with a 3.00% APY4 Special EasyStart Certificate.

  • Open with as little as $50
  • Make additional deposits anytime (up to $3,000)

Requires Checking and Direct Deposit/Allotment.

Open your Special EasyStart Certificate here:

Members With Online Banking

Members Without Online Banking

1Limit one Special 15-Month Share Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective December 4, 2017. Navy Federal reserves the right to end or modify this offer at any time. The Special 15-Month Share Certificate has a $50 minimum and a $50,000 maximum balance. Only available for Share Certificates. Additional deposits are allowed at any time, subject to the maximum balance. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

2Limit one Special 32-Month IRA Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective December 4, 2017. Navy Federal reserves the right to end or modify this offer at any time. The Special 32-Month IRA Certificate has a $50 minimum and a $250,000 maximum balance. Only available for IRAs or ESAs. Additional deposits are allowed at any time, subject to the maximum balance and IRS contribution limits. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

3This offer is effective December 4, 2017 and can end or be modified at any time. Offer only available to members who open their first IRA plan and deposit a minimum of $100 in the new IRA account no later than 45 days after account opening. Limit one IRA $100 bonus per member. Once funds have been deposited to the IRA, Navy Federal will credit the bonus directly into your new IRA account within 30 days. The IRA $100 bonus will be credited to your IRA in the form of a dividend and will not be reportable as a contribution. 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 IRA $100 bonus are the member’s responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.

4Limit one Special 12-Month EasyStart Certificate per member. This offer, including the stated Annual Percentage Yield (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.