Standard Certificates
Make Your Money Work for You
Earn guaranteed returns and enjoy competitive rates with a certificate.
- Flexible deposit amounts
- High dividend rates
- Variety of terms
Explore Account Options
Standard Certificate
Certificates allow you to plan out your savings by providing guaranteed returns that you can access on a set maturity date.
Features:
- Variety of terms and minimum balance options
- No maximum purchase amount
- Longer maturities may earn higher dividends
- Renew it up to 21 days after the 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
Short-Term Certificate Rates
| Term | $1K Minimum APY | $20K Minimum APY | $100K Minimum APY |
|---|---|---|---|
| 3 Months | 2.15% | 2.15% | 2.20% |
| 12 Months | 4.10% | 4.10% | 4.15% |
| 18 Months | 3.80% | 3.80% | 3.85% |
| 24 Months | 3.70% | 3.70% | 3.75% |
Rates as of Dec 29, 2024 ET. |
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| The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Penalties apply for early withdrawals from certificate accounts. Offering rates may change. Dividends compounded daily, credited monthly. |
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Long-Term Certificate Rates
| Term | $1K Minimum APY | $20K Minimum APY | $100K Minimum APY |
|---|---|---|---|
| 3 Years | 3.70% | 3.70% | 3.75% |
| 5 Years | 3.50% | 3.50% | 3.55% |
| 7 Years | 3.50% | 3.50% | 3.55% |
Rates as of Dec 29, 2024 ET. |
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| The APY is an annualized rate that reflects estimated dividend earnings based on the dividend rate and frequency of compounding. Penalties apply for early withdrawals from certificate accounts. Offering rates may change. Dividends compounded daily, credited monthly. |
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Certificate Basics
Certificates are federally insured deposits that encourage you to save and not spend. For more certificate basics, visit our “Intro to Certificates” page.
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
This APY is accurate as of 12/29/2024. 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.
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