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Transform Your Financial Landscape

Transform Your Financial Landscape

Saving and investing are two powerful pathways to a stronger, more secure tomorrow.

Harnessing the power of saving and investing can totally change your financial future. 

Wondering which you should choose? We’ve summarized features and benefits for several saving and investing options, so you can see at a glance which may work best for your financial goals.

 

Achieving Your Savings Goals Starts Here

Certificate

Best for: Those who value guaranteed returns and can put money away for a set period of time.

  • You’ll have guaranteed earnings.
  • Your earnings are stable and unaffected by market fluctuations.
  • Your earnings are generally higher than you’d get with a standard savings account.
  • They're ideal for saving for short- or mid-term goals.
  • Your certificate is federally insured—which means it’s backed by the federal government. 

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Digital InvestorFootnote 1

Best for: Those looking for the potential for higher earnings and who can tolerate some risk in stock market investing.

  • Simplify investing with this low-cost online tool. 
  • Forget worrying you need a lot of money to get started. Invest as little as $1. 
  • Manage your own investments or have us manage a personalized, automated portfolio for you—it’s all up to you.
  • Test it out for 30 days—with no obligation.Footnote 2

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Money Market Savings Accounts

Best for: Those who want to earn a higher rate, but need the flexibility to access their money quickly.

  • You can earn a higher rate than with a traditional savings account.
  • It combines features of both savings and checking accounts.
  • You can withdraw your money anytime.
  • The account is federally insured—which means it’s backed by the federal government.

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Traditional Savings Accounts 

Best for: Those who want to establish an emergency fund and have less than $2,500 in assets to save or invest.

  • It’s a secure place to keep your money.
  • The account is federally insured—which means it’s backed by the federal government.
  • You have easy access to your funds and can transfer funds quickly if needed.

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529 PlansFootnote 1

Best for: Those who want to save for their children’s educational expenses.

  • The plan covers K-12, apprenticeship training and college.
  • Your money grows on a tax-deferred basis.
  • Funds can be used for tuition, room and board, fees, and supplies.
  • 529 plan funds can be used for any eligible college in any state.

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Education Savings Plan

Best for: Those who want to save for their own or their children’s educational expenses.

  • The money can be used for qualified K-12 and college expenses.
  • Your money grows tax-free, and withdrawals are tax-free when used for qualified expenses.
  • You can contribute or access money anytime.
  • You can use an education savings plan to supplement a 529 plan.

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Consultation With a Financial AdvisorFootnote 1

Best for: Those who have more than $50K in assets or need guidance for a complex portfolio.

  • Schedule a no-cost consultation with an experienced, professional financial advisor.
  • Discuss topics like general investing, retirement, and estate and education planning.
  • Develop a personalized long-term investment strategy to help you achieve your financial goals.

 

Let's Talk Find a Financial Advisor

Savings Resources

Disclosures

1

Navy Federal Financial Group, LLC (NFFG) is a licensed insurance agency. Non-deposit investments, brokerage, and advisory products are only sold through Navy Federal Investment Services, LLC (NFIS), a member of FINRA/SIPC and an SEC-registered investment advisory firm. NFIS is a wholly owned subsidiary of NFFG. Insurance products are offered through NFFG and NFIS. These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of Navy Federal Credit Union (NFCU), are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal. Deposit products and related services are provided by NFCU. Digital Investor offered through NFIS. Financial Advisors are employees of NFFG, and they are employees and registered representatives of NFIS. NFIS and NFFG are affiliated companies under the common control of NFCU. Call 1-877-221-8108 for further information.

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2

Digital Investor is available exclusively to Navy Federal Credit Union members and requires digital banking credentials. A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.

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