Credit union · NCUA insured
Navy Federal Credit Union CD Rates
Top CarrotNavy Federal Credit Union’s best CD rate is 4.15% APY on an 18-month share certificate (CD). Terms run from 3 months to 7 years. Rates checked October 22, 2026.
How Navy Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Navy Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Navy Federal Credit Union
4.10%APY
- Term
- 18 months
- Minimum
- $1,000
- Earns on $10,000
- $621
Standard Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Navy Federal Credit Union CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
By term
- 3–8 months3–8 mo1.50%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Navy Federal Credit Union ranks
By CD score, in each area where it has branches
- #20 of 101Washington-Arlington-Alexandria, DC-VA-MD-WV metro48
- #4 of 28Virginia Beach-Chesapeake-Norfolk, VA-NC metro33
- #9 of 34San Diego-Chula Vista-Carlsbad, CA metro27
- #9 of 57Atlanta-Sandy Springs-Roswell, GA metro15
- #19 of 100Dallas-Fort Worth-Arlington, TX metro13
- #11 of 43Riverside-San Bernardino-Ontario, CA metro11
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special EasyStart Certificate
4.35%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsLimit 1 Special EasyStart Certificate per product type per member. Certificate owner(s) age 18 and older must have direct deposit and a Navy Federal checking account within 90 days of the certificate issue date, or the dividend rate will be adjusted to the prevailing rate of the 12-month EasyStart Certificate. Additional deposits allowed up to $3,000 maximum contribution limit | 4.35% | — |
Sources (1)
- navyfederal.org/checking-savin…avings/certificates.html · captured Oct 22, 2026
Standard Certificate
Up to 4.10%APY · 7 terms
| Term | APY · $1,000 and up | APY · $20,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 1.50% | 1.50% | 1.55% | 1.50%1.50% from $20k1.55% from $100k | $37 |
| 12 months | 4.05% | 4.05% | 4.10% | 4.05%4.05% from $20k4.10% from $100k | $405 |
| 18 months | 4.10% | 4.10% | 4.15% | 4.10%4.10% from $20k4.15% from $100k | $621 |
| 24 months | 3.66% | 3.66% | 3.70% | 3.66%3.66% from $20k3.70% from $100k | $745 |
| 36 months | 4.10% | 4.10% | 4.15% | 4.10%4.10% from $20k4.15% from $100k | $1,281 |
| 60 months | 3.85% | 3.85% | 3.90% | 3.85%3.85% from $20k3.90% from $100k | $2,079 |
| 84 months | 3.85% | 3.85% | 3.90% | 3.85%3.85% from $20k3.90% from $100k | $3,027 |
Sources (2)
- navyfederal.org/checking-savin…ertificate-accounts.html
- navyfederal.org/checking-savin…avings/certificates.html
All captured Oct 22, 2026
EasyStart Certificate
Up to 4.00%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsYou can add money any time until maturity. No maximum balance | 4.00% | $400 |
| 18 monthsYou can add money any time until maturity. No maximum balance | 3.70% | $560 |
| 24 monthsYou can add money any time until maturity. No maximum balance | 3.60% | $733 |
Sources (2)
- navyfederal.org/checking-savin…systart-certificate.html
- navyfederal.org/checking-savin…avings/certificates.html
All captured Oct 22, 2026
Special-purpose accounts
IRA Special EasyStart Certificate
4.35%APY · 1 term
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable in Traditional, Roth, and SEP. Limit 1 Special EasyStart Certificate per product type per member (or per primary account holder). Requires checking and direct deposit. Additional deposits allowed at any time subject to $3,000 maximum contribution limit | 4.35% | — |
Sources (2)
All captured Oct 22, 2026
IRA Standard Certificate
Up to 4.10%APY · 7 terms
| Term | APY · $1,000 and up | APY · $20,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsAvailable in Traditional, Roth, and SEP | 1.50% | 1.50% | 1.55% | 1.50%1.50% from $20k1.55% from $100k | $37 |
| 12 monthsAvailable in Traditional, Roth, and SEP | 4.05% | 4.05% | 4.10% | 4.05%4.05% from $20k4.10% from $100k | $405 |
| 18 monthsAvailable in Traditional, Roth, and SEP | 4.10% | 4.10% | 4.15% | 4.10%4.10% from $20k4.15% from $100k | $621 |
| 24 monthsAvailable in Traditional, Roth, and SEP | 3.66% | 3.66% | 3.70% | 3.66%3.66% from $20k3.70% from $100k | $745 |
| 36 monthsAvailable in Traditional, Roth, and SEP | 4.10% | 4.10% | 4.15% | 4.10%4.10% from $20k4.15% from $100k | $1,281 |
| 60 monthsAvailable in Traditional, Roth, and SEP | 3.85% | 3.85% | 3.90% | 3.85%3.85% from $20k3.90% from $100k | $2,079 |
| 84 monthsAvailable in Traditional, Roth, and SEP | 3.85% | 3.85% | 3.90% | 3.85%3.85% from $20k3.90% from $100k | $3,027 |
Sources (2)
All captured Oct 22, 2026
IRA EasyStart Certificate
Up to 4.00%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable in Traditional, Roth, and SEP. Subject to IRS annual contribution limits for IRA/ESA | 4.00% | $400 |
| 18 monthsAvailable in Traditional, Roth, and SEP. Subject to IRS annual contribution limits for IRA/ESA | 3.70% | $560 |
| 24 monthsAvailable in Traditional, Roth, and SEP. Subject to IRS annual contribution limits for IRA/ESA | 3.60% | $733 |
Sources (2)
All captured Oct 22, 2026
Who can join Navy Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Department of Defense civilian personnel are eligible for membership, including 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.
- Servicemembers in all branches of the armed forces—including Active Duty (Army, Marine Corps, Navy, Air Force, Coast Guard, National Guard, Space Force), Delayed Entry Program (DEP), DoD Officer Candidate/ROTC, DoD Reservists, as well as veterans, retirees, and annuitants—are eligible for membership.
Family and household
- Immediate family members (parents, grandparents, spouses, siblings, children including adopted and stepchildren, grandchildren) and household members of eligible persons are eligible for membership.
Cost to join
- A Membership Savings Account with a $5 minimum balance is required to establish and maintain membership.
Membership information collected October 4, 2026.