37-Month IRA/ESA Certificate

Open a new Special 37-Month IRA/ESA certificate, and you'll earn 3.00% APY on your money.1 Plus, you'll be protecting your retirement funds from the ups and downs of the market.

  1. Start with just $50
  2. Contribute anytime, automatically (up to $150,000)
  3. Earn 3X more than the national average.2 Earning guaranteed returns is an easy way to boost your savings.
Open a 37-Month IRA


Explore all Retirement Certificate options

$50 First IRA Bonus

To earn your bonus, just make a deposit of $50 or more to your first IRA within 45 days of account opening.3

Start Saving

Another Great Option

Special EasyStart℠ Certificate4

Start building your savings quickly and easily with a 3.50% APY Special EasyStart Certificate.

Open any Share, Individual Retirement Account (IRA) or Education Savings Account (ESA) here:

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.

2Based on 36-month national average rate for non-jumbo deposits (of less than $100K) as of Dec. 2, 2019. Source: https://www.fdic.gov/regulations/resources/rates/.

3This offer is effective December 8, 2019 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 $50 in the new IRA account no later than 45 days after account opening. Limit one IRA $50 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 $50 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 $50 bonus are the member’s responsibility. Navy Federal does not provide tax advice. Other restrictions may apply.

4Limit 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.