Certificates
What's Better Than Guaranteed Earnings?
Protect yourself against inflation and market ups and downs. With a certificate, your money will grow securely, with guaranteed returns.
Available Now!
10-Month Special CertificateFootnote 1
(Share, IRA, ESA)
Right now, you can get a 10-Month Special Certificate and grow your savings faster with a sky-high rate that’s more than 2X the national average.Footnote 2
Best for:
- Individuals who want to build more wealth to reach
financial goals - Individuals who want to open a certificate at a
sky-high rate - Individuals who want guaranteed returns
- Individuals who want the flexibility to add money at any time
$50 Minimum Deposit
Open Now 10-Month Special Certificate
10 Month Special CertificateAPY as high as 4.45%
Here's What You Could Be Earning
Standard Certificate
Certificates allow you to plan out your savings by providing guaranteed returns that you can access on a set maturity date.
Best For:
- Individuals who want to earn at a higher dividend rate
- Individuals who don’t need flexible access to savings
- Individuals who are interested in making a single deposit
Minimum Deposit
as low as
$1,000
EasyStartSM Certificate
EasyStart Certificates are an easy way to start building savings quickly with a low minimum purchase and flexible term lengths.
Best For:
- Individuals who want to save for a specific goal
- Individuals who want to build good savings habits
- Individuals who want the flexibility to add money at any time
Minimum Deposit
as low as
$50
Special EasyStart Certificate
Special EasyStart Certificates let members who have direct deposit and a checking account take advantage of saving at a special rate with a low minimum purchase.
Best For:
- Individuals who want to start saving quickly
- Individuals who want to take advantage of a special rate up to $3,000
- Individuals who are interested in adding money at any time
Minimum Deposit
as low as
$50
SaveFirst Account
The SaveFirst Account helps you save more at a higher rate than a traditional savings account.
Best For:
- Individuals who want to save for a purpose
- Individuals who want to choose their term
- Individuals who want to add money at any time
Minimum Deposit
as low as
$5
Want More Information About Saving?
Explore our resources at Navy Federal's Savings Learning Center.
Savings Resources
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Cash Out or Roll Over?
Need help deciding what to do when your certificate matures? Read about your certificate maturity options.
Learn More about Cash Out or Roll Over? -
Certificate Rates
Maximize your savings with a Navy Federal certificate. Take a look at our dividend rates to see what you can earn.
Learn More about Certificate Rates -
Certificate Calculator
Find out how much your certificate can earn from now until the end of your term.
Learn More about Certificate Calculator
Disclosures
Limit one 10-Month Special Certificate (Share/IRA/ESA) per product type per member. This offer, including the stated Annual Percentage Yield (APY), is effective January 6, 2025. Navy Federal reserves the right to end or modify this offer at any time. The 10-Month Special Certificate (Share/IRA/ESA) has a $50 minimum balance and a $250K maximum balance. Additional deposits are allowed at any time, subject to the maximum balance. Dividends earned are not included in the maximum balance allowed. Once the promotional rate is applied to a purchased certificate, it will remain in effect for the length of the product term. IRA/ESA certificates are subject to IRS contribution limits. Penalties apply for early withdrawals from certificate accounts. Other restrictions may apply.
↵Navy Federal's 10-Month Special Certificate rate is in comparison to the national average of the 12-Month Certificate rate. The national average for the 12-Month Certificate is 1.83% APY, based on rates published in the FDIC Monthly National Rates and Rate Caps; accurate as of December 16, 2024.
↵This APY is accurate as of 01/08/2025. This APY is an annualized rate that reflects estimated earnings based on the dividend rate and frequency of compounding. Dividends compounded daily, credited monthly. Penalties may apply for early withdrawals from certificate accounts. Offering rates may change.
↵Limit one Special EasyStart Certificate per member. The Special EasyStart Certificate has a $50 minimum balance and a $3,000 maximum contribution limit. Additional deposits are allowed at any time subject to the maximum contribution limit. Certificate owner(s) age 18 and older must have a direct deposit* 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 adjusted to the prevailing dividend rate of the 12-month EasyStart Certificate for the remainder of the certificate's term. At maturity, the Special EasyStart Certificate will automatically renew and any amount exceeding the $3,000 maximum contribution limit will be transferred to your Membership Savings Account unless instructed otherwise.
*You may qualify for direct deposit if you have (1) a recurring ACH from employer, military pay, or certain government agency pay or benefits in your name that is deposited into a Navy Federal deposit account where you are Primary or Secondary Owner; OR (2) Mobile deposits, ATM deposits, or Branch deposits totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (3) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Primary Owner; OR (4) monthly Non-payroll ACH or payroll allotment totaling at least $500 and recurring for at least three out of four consecutive months that are deposited into Navy Federal deposit accounts where you are Secondary Owner.
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