Make More Money With Your Money

Special 40-Month IRA Certificate at 3.75% APY1
Plus, a $100 Bonus for First-Time IRA Plan Holders2


Open a new Special 40-Month IRA certificate, and you'll earn 3.75% APY on your money.1 That’s more than you’d make in a savings account. And, you'll be protecting your retirement savings from the ups and downs of the stock market.

  • Start with just $50
  • Earn guaranteed returns
  • Make additional deposits for 40 months (up to $150,000)
Open a 40-Month IRA


To earn your bonus, just make a deposit of $100 or more to your first IRA within 45 days of account opening.2

  • Diversify your retirement portfolio
  • Earn guaranteed returns
Start Saving

Hurry—these are limited-time offers.

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.