Make More Money With Your Money
• Special 40-Month Certificate (IRA/ESA)1
• $100 First IRA Bonus2
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Special EasyStartSM Certificate3

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

Requires Checking and Direct Deposit/Allotment.

Open your 40-Month Individual Retirement Account (IRA),
or Education Savings Account (ESA) here:

Open Now (Existing ESA)

Open your Special EasyStart Certificate here:

Members With Online Banking

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Members Without Online Banking

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1Limit one Special 40-Month IRA Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective December 3, 2018. Navy Federal reserves the right to end or modify this offer at any time. The Special 40-Month IRA Certificate has a $50 minimum and a $150,000 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.

2This offer is effective December 3, 2018 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.

3Limit one Special EasyStart Certificate per member. This offer, including the stated Annual Percentage Yield (APY), is effective December 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 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.