Earn 3.50% APY With Our 5-Year Certificate1

With the National Average rate for 5-year certificates falling this year, our rate has gone UP!2

Your Money Will Soar With Our Best Rate

Available as a Share Certificate, IRA or ESA.


Another Great Option

Special EasyStart℠ Certificate3

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)

1This offer, including the stated Annual Percentage Yield (APY), is effective July 8, 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 amounts of $1,000, $10,000, $20,000, $50,000, and $100,000. 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.

2Source: http://www.cutoday.info/Fresh-Today/Certificate-Rates-Show-First-Decline-in-5-Years-Mortgage-Rates-Also-Down.

3Limit 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.