We offer several IRA certificate accounts with unique benefits.
Earn guaranteed returns at competitive rates with an IRA certificate Footnote 1 from Navy Federal.
An individual retirement account certificate, or IRA CD, is an IRA where your money is used to earn higher dividends in certificates of deposit, or CDs. The rates of return are more stable and less risky than other forms of investment. When you deposit your funds into an IRA certificate, you'll know how much your funds will earn over the length of term.
IRA certificates are a less risky and more predictable method of savings. An IRA certificate isn’t easily accessible until the term length is up. This can make it easier for some people to save and not spend the money dedicated to retirement.
IRA certificates Footnote 2 allow you to earn more than a standard savings account with a variety of term lengths.
3 Months to 7 Years
Rates as of Sep 18, 2024 ET.
Rates as of Sep 18, 2024 ET.
IRA EasyStart Certificates Footnote 2 allow you to start building savings quickly and easily with a low minimum deposit.
12 Months to 24 Months
Rates as of Sep 18, 2024 ET.
Special EasyStart Certificates let members who have direct deposit and a checking account take advantage of saving at a special rate.
After you've decided on a savings plan, the next step is to choose the savings option that will get you to your goals.
Start early and save for your future on your terms while still earning dividends.
Earn more than a standard savings account by maintaining an account balance of $2,500 or more.
Plan ahead and earn guaranteed returns at a higher dividend rate than a savings account.
Make sure you’re on top of your IRA. Read over IRA contribution limits, deadlines and eligibility here.
Explore our resources at Navy Federal's Savings Learning Center.
Consolidating your IRAs can simplify your retirement savings and provide tax benefits. Learn More about Moving Your Money: IRA Transfers & Rollovers
Save smart and earn the best rate possible by laddering certificates. Learn More about Certificate Laddering Strategy
Reduce waste while increasing your account security. Make the switch to paperless statements. Learn More about Switch to Paperless Statements
Early withdrawals may have tax consequences, in addition to early withdrawal penalties or surrender charges. Consult a tax professional for more information.
This APY is accurate as of 09/18/2024. 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.
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.