Keep Your Savings Rolling

Reach your savings goals faster with a certificate.

Choose the product that’s right for you:
9-Month Certificate 18-Month Certificate 5-Year Certificate
2.50% APY1 3.00% APY1 3.25% APY2

Easily open a certificate today, starting with $1,000.

Did You Know?

With the National Average rate for 5-year certificates falling this year, our rate has gone UP!3


Another Great Option

Special EasyStart℠ Certificate4

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

Requires Checking and Direct Deposit/Allotment.

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

Open Now (Share)
Open Now (IRA)
Open Now (New ESA)
Open Now (Existing ESA)

1The Annual Percentage Yield (APY) for 9-month certificates is 2.50%; for 18-month certificates, the APY is 3.00%. These offers, including the stated APY, are effective July 29, 2019. Navy Federal reserves the right to end or modify these offers at any time. The rates are applicable to the 9-month and 18-month certificate terms only. Minimum purchase amount of $1,000. No maximum purchase amount. IRA/ESA certificate subject to IRS contribution limits. Additional deposits are not allowed. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

2This offer, including the stated Annual Percentage Yield (APY), is effective August 19, 2019. Navy Federal reserves the right to end or modify this offer at any time. The rate is applicable to the 5-year certificate term only. Minimum purchase amount of $1,000. No maximum purchase amount. IRA/ESA certificate subject to IRS contribution limits. Additional deposits are not allowed. Penalties apply for early withdrawals from certificates. Other restrictions may apply.

3Source: http://www.cutoday.info/Fresh-Today/Certificate-Rates-Show-First-Decline-in-5-Years-Mortgage-Rates-Also-Down.

4Limit one Special EasyStart Certificate per member. This offer, including the stated 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 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.