Basic Savings

A Basic Savings account comes with your Navy Federal membership and opens the door to our suite of saving products.

  • Competitive rates
  • No monthly service charge

Important Disclosures brochure

Members with Account Access

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Education Savings Accounts (ESA)

  • Earnings are tax-free if used for education expenses
  • Students may be the beneficiary on more than one ESA—total contributions cannot exceed $2,000
  • Any individual (meeting adjusted gross income requirements) can make a non-deductible contribution

ESA Certificates

  • Minimum purchase amounts of $1,000, $10,000, $20,000, $50,000, and $100,000
  • No maximum purchase amount (excluding special promotions or offers)
  • 3-month to 7-year terms available (longer maturities earn higher dividends)

EasyStartSM ESA Certificates

  • Only $100 to start
  • 12-month term
  • Deposits can be made at any time

Three-Year Variable ESA Certificate

  • $500 minimum deposit
  • Add funds on the 12- and 24-month anniversary dates

Certificate Maturity Instructions
(Non-Account Access Certificate Maturity Instructions)

SaveFirst Account  

Save up for that dream vacation or maybe those holiday gifts. Select any term from three months up to five years.

  • Low $5 minimum deposit
  • Dividends are compounded daily
  • Make deposits to your account at any time
  • Choose your own maturity date

Estate Management

These products are invaluable in estate management, and could help make difficult decisions seem a little easier. Call us at 1-888-842-6328, international phone numbers.

Deposit Trust Account
Holds funds designated by a legal trust.

Custodial Account
Administers your gift money to a minor with potential tax savings.

Estate Account
Holds a deceased Navy Federal member's estate assets separate from an estate administrator's own personal accounts.

Payable on Death (POD) Accounts
Designates beneficiaries in order to pass on your assets.

Branches & ATMs

Thousands of ATMs Worldwide

Direct Deposit

Get same-day access to your money.

Direct Deposit
It's time to save

Start saving today!