Navy Federal Credit Union


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

Terms and Conditions

Education Savings

  • 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  (Previously Custom Club 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

Over 55,000 ATMs Worldwide

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Direct Deposit

Get same-day access to your money.

Direct Deposit
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