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Banking » Reviews » Navy Federal CD Rates, November 2024

Navy Federal CD Rates, April 2025

Navy Federal credit union Certificates offers a variety of terms and high APY, just pay attention to the early withdrawal penalty
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: April 1, 2025
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: April 1, 2025

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Navy Federal Credit Union offers a variety of certificate options with different terms and interest rates, allowing members to choose the option that best fits their savings goals and needs.

Navy Federal Certificates

APY Range

4.05%

Minimum Deposit

$1,000

Terms

3 months – 7 years

Our Rating

4.5
4.5/5

Navy Federal Certificates CDs

APY Range

4.05%

Minimum Deposit

$1,000

Terms

3 months – 7 years

Our Rating

4.5
4.5/5

Navy Federal Certificates Rates

The rates offered by Navy Federal can vary depending on several factors, such as market conditions, the length of the CD term, and the amount of deposit. The 3 month CD rate is quite high compared to other short-term CDs.

Overall, the rates are high compared to what you can find at traditional banks and inline with other credit unions and online banks. The 15-month special CD offers one of the highest CD rates in the market as of April 2025.

CD Term
APY
3 Months
1.50% – 1.55%
6 Months
N/A
12 Months
4.00% – 4.05%
18 Months
3.80% – 3.85%
24 Months
3.60% – 3.66%
36 Months
3.70% – 3.75%
60 Months
3.50% – 3.55%
84 Months
3.50% – 3.55%
15 Months (Special CD)
N/A

How Much Can You Earn If You Deposit $10,000 Today?

The amount you can earn from a $10,000 deposit in a certificate of deposit (CD) will depend on several factors, including the interest rate offered by the financial institution, the term length of the CD, and the frequency of interest payments.

Using our CD calculator, you can calculate the anticipated earnings (before taxes), assuming interest compounds every day and there is no early withdrawal fee:

Initial deposit

$

APY

%

Your total balance
$10,000
Your earnings
$1000.20

* Make sure to adjust APY, terms and deposit

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How Navy Federal Certificates Work

Customers have access to a wide selection of Certificates from Navy Federal. The minimum deposit, tier level, interest rate, penalties, and a host of other factors could vary between Certificates.

Navy Federal Certificates are a particular category of savings account that Navy Federal Credit Union offers. They often have a minimum opening deposit and give an interest rate that is higher than a standard savings account.

The CD terms are varied, between 3 months – 7 years. If you're looking for long-term CDs such as 5 year CD rates, you can find it with Navy Federal.

For the duration of the certificate, the interest rate is fixed, and the depositor can receive a higher rate than with a conventional savings account. Before the period expires, the depositor won't be able to take money out of the account without paying a fee.

To open a certificate account, you must be a member of Navy Federal credit union.

CD Term
Early Withdrawal Penalty
3 Months
Dividends for 90 days
6 Months
Dividends for 90 days
12 Months
Dividends for 90 days
18 Months
Dividends for 180 days
24 Months
Dividends for 180 days
36 Months
Dividends for 180 days
60 Months
Dividends for 365 days
84 Months
Dividends for 365 days
15 Months (Special CD)
Dividends for 180 days

Navy Federal Certificates Rates vs Savings Rates

Navy Federal provides savings accounts in addition to checking accounts since it is a highly competitive credit union. 

The savings accounts have a few significant differences from a Certificates account with Navy Federal The interest rates will be much lower, first and foremost. The current interest rate for a Navy Federal savings account is 0.25% APY, which is significantly less than what is offered for certificates or even for other savings accounts.

However, the minimum deposit for savings account is lower than the required minimum for Navy Federal CDs.

CDs
Savings
APY
4.05%
0.25%
Minimum Deposit
$1,000
$5
Fees
$0
$3 per quarter (waived if your balance over $50)

About Navy Federal Credit Union (NFCU)

Navy Federal Credit Union (NFCU) is a not-for-profit credit union based in Vienna, Virginia. It is one of the largest credit unions in the United States, serving over 9 million members globally, with a strong focus on serving members of the United States military and their families.

Navy Federal Credit Union offers a wide range of financial products and services, including checking and savings accounts, loans, mortgages, credit cards, and investment services. The credit union operates over 300 branches worldwide and provides 24/7 access to its services through online and mobile banking.

How We Rate Certificates of Deposits: Our Methodology

The Smart Investor team has thoroughly examined certificate of deposit (CD) offerings from various banks, considering multiple factors to provide a comprehensive evaluation. Here's how we rated them across four key categories:

  • CD Rates (50%): We meticulously analyzed the interest rates offered by each bank on their certificate of deposit (CD) products. Higher ratings were awarded to banks offering competitive rates that provide maximum returns for customers' investments. Factors such as the yield curve, current market conditions, and consistency of rates were considered to assess the attractiveness of each bank's CD rates.

  • CD Features (30%): This category evaluated the features associated with each bank's certificate of deposit offerings. Factors considered include the variety of terms available, early withdrawal penalties, minimum deposit requirements, and any additional features or benefits. Higher ratings were given to banks offering a diverse range of CD terms, reasonable early withdrawal fees, and flexible options to meet customers' investment needs.

  • Customer Experience (10%): A positive customer experience is paramount, even when investing in CDs. We assessed each bank's performance in this area, considering factors such as the ease of opening a CD account, the responsiveness of customer service, and overall user satisfaction. Higher ratings were assigned to banks with efficient account opening processes, helpful customer support, and a track record of satisfying customers.

  • Bank Reputation (10%): The reputation of a bank is a critical consideration when investing in CDs. We evaluated each bank's reputation based on factors such as financial stability, regulatory compliance, and public perception. Higher ratings were given to banks with a solid reputation for reliability and trustworthiness, ensuring customers' investments are safe and secure.

By considering these categories and assigning appropriate weights to each, our review aims to provide valuable insights to help individuals make informed decisions when investing in certificate of deposits.

Compare CD Rates

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Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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This website is an independent, advertising-supported comparison service. The product offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear).

This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

This allows us to maintain a full-time, editorial staff and work with finance experts you know and trust. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impacts any of the editorial content on The Smart Investor.

While we work hard to provide accurate and up to date information that we think you will find relevant, The Smart Investor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Learn more about how we review products and read our advertiser disclosure for how we make money. All products are presented without warranty.