All Navy Federal Credit Union accounts
1 CDChecked Oct 10, 2026Updated
Navy Federal Credit Union CD rates
4.00%APY for 1 year, its best · as of Oct 10, 2026
- 1 year
- 4.00%#55 of 154 on our list
- 18 months
- 3.70%#42 of 91 on our list
- 2 years
- 3.60%#56 of 113 on our list
Visit NavyPlaces are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
EasyStart Certificate
| Term | APY | On our list |
|---|---|---|
| 1 year | 4.00% | #55 of 154 |
| 18 months | 3.70% | #42 of 91 |
| 2 years | 3.60% | #56 of 113 |
Source: the bank’s page · checked Oct 10, 2026
- Minimum to open
- $50Source · checked Oct 10, 2026
- Early withdrawal penalty
- Penalties may apply for early withdrawals from certificate accounts.Source · checked Oct 10, 2026
- Grace period at maturity
- 21 daysSource · checked Oct 10, 2026
- Interest compounds
- Dividends compounded daily, credited monthly.Source · checked Oct 10, 2026
- Membership
- Membership required:
- Servicemembers in all branches of the armed forces, including active duty members, Delayed Entry Program (DEP), DoD Officer Candidate/ROTC, DoD Reservists, veterans, retirees and annuitants
- Immediate family members include parents, grandparents, spouses, siblings, children (including adopted and stepchildren), grandchildren and household members
- DoD civilian employees, U.S. Government employees assigned to DoD installations, DoD contractors assigned to U.S. Government installations, and DoD civilian retirees and annuitants
- An existing member who is a parent, grandparent or guardian of a minor can share the gift of membership through the minor membership application
CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake