Navy Federal Credit Union Savings & Money Market Rates

How Navy Federal Credit Union’s savings 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
0.25%APY
Requires
None
Minimum
$5
Earns on $10,000 a year
$25
Share Savings Account
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
HSBC USA
4.40%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$440
HSBC USA rates

Compare savings rates near you →

Savings score

Higher than 73% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.25%
$10,000 balance$10,0001.10%
$100,000 balance$100,0001.70%
QualifiedQualified1.10%

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.

How the score works →

Where Navy Federal Credit Union ranks

By savings score, in each area where it has branches

And 115 more areas →

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Jumbo Money Market Savings Account (MMSA)

0.25%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $99,999Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Should the balance in a Jumbo MMSA account fall below $100,000, the dividend rate paid will be the Savings Account rate for each day the account is below $100,000. Rates on variable-rate accounts could change after account opening. No minimum deposit required.	0.25%	$25	Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Should the balance in a Jumbo MMSA account fall below $100,000, the dividend rate paid will be the Savings Account rate for each day the account is below $100,000. Rates on variable-rate accounts could change after account opening. No minimum deposit required.
$100,000 – $249,999Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo rates on account balances of $100,000 or more. Rates on variable-rate accounts could change after account opening. No minimum deposit required.	1.70%	—	Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo rates on account balances of $100,000 or more. Rates on variable-rate accounts could change after account opening. No minimum deposit required.
$250,000 – $499,999Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo rates on account balances of $100,000 or more. Rates on variable-rate accounts could change after account opening. No minimum deposit required.	1.75%	—	Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo rates on account balances of $100,000 or more. Rates on variable-rate accounts could change after account opening. No minimum deposit required.
$500,000 – $999,999Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo rates on account balances of $100,000 or more. Rates on variable-rate accounts could change after account opening. No minimum deposit required.	1.95%	—	Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo rates on account balances of $100,000 or more. Rates on variable-rate accounts could change after account opening. No minimum deposit required.
$1,000,000 and upCompounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo rates on account balances of $100,000 or more. Rates on variable-rate accounts could change after account opening. No minimum deposit required.	2.15%	—	Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo rates on account balances of $100,000 or more. Rates on variable-rate accounts could change after account opening. No minimum deposit required.

Sources (2)

All captured Oct 22, 2026

Money Market Savings Account (MMSA)

1.10%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,499Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts could change after account opening. No minimum deposit required.	0.00%	—	Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts could change after account opening. No minimum deposit required.
$2,500 – $9,999Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts could change after account opening. No minimum deposit required.	1.00%	—	Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts could change after account opening. No minimum deposit required.
$10,000 – $24,999Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts could change after account opening. No minimum deposit required.	1.10%	$110	Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts could change after account opening. No minimum deposit required.
$25,000 – $49,999Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts could change after account opening. No minimum deposit required.	1.15%	—	Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts could change after account opening. No minimum deposit required.
$50,000 and upCompounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts could change after account opening. No minimum deposit required.	1.55%	—	Compounded and credited monthly. Rates apply to the entire balance, not just the amount over the tier threshold. Must maintain a minimum daily balance of $2,500 to earn dividends. Rates on variable-rate accounts could change after account opening. No minimum deposit required.

Sources (2)

All captured Oct 22, 2026

Share Savings Account

0.25%APY$5 to open

A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceCompounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.Any balance	0.25%	$25	Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.

Sources (4)

All captured Oct 22, 2026

Special-purpose accounts

Jumbo IRA Money Market Savings Account

0.25%APYIRA

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $99,999Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. Should the balance in a Jumbo MMSA account fall below $100,000, the dividend rate paid will be the Savings Account rate for each day the account is below $100,000. Rates on variable accounts may change after the account is open.	0.25%	$25	Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. Should the balance in a Jumbo MMSA account fall below $100,000, the dividend rate paid will be the Savings Account rate for each day the account is below $100,000. Rates on variable accounts may change after the account is open.
$100,000 – $249,999Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo dividend rates on account balances of $100,000 or more. Rates on variable accounts may change after the account is open.	1.70%	—	Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo dividend rates on account balances of $100,000 or more. Rates on variable accounts may change after the account is open.
$250,000 – $499,999Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo dividend rates on account balances of $100,000 or more. Rates on variable accounts may change after the account is open.	1.75%	—	Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo dividend rates on account balances of $100,000 or more. Rates on variable accounts may change after the account is open.
$500,000 – $999,999Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo dividend rates on account balances of $100,000 or more. Rates on variable accounts may change after the account is open.	1.95%	—	Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo dividend rates on account balances of $100,000 or more. Rates on variable accounts may change after the account is open.
$1,000,000 and upAvailable in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo dividend rates on account balances of $100,000 or more. Rates on variable accounts may change after the account is open.	2.15%	—	Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. Earn Jumbo dividend rates on account balances of $100,000 or more. Rates on variable accounts may change after the account is open.

Sources (3)

All captured Oct 22, 2026

IRA Money Market Savings Account

1.10%APYIRA

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,499Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts. Rates on variable accounts may change after the account is open.	0.00%	—	Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts. Rates on variable accounts may change after the account is open.
$2,500 – $9,999Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts. Rates on variable accounts may change after the account is open.	1.00%	—	Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts. Rates on variable accounts may change after the account is open.
$10,000 – $24,999Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts. Rates on variable accounts may change after the account is open.	1.10%	$110	Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts. Rates on variable accounts may change after the account is open.
$25,000 – $49,999Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts. Rates on variable accounts may change after the account is open.	1.15%	—	Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts. Rates on variable accounts may change after the account is open.
$50,000 and upAvailable in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts. Rates on variable accounts may change after the account is open.	1.55%	—	Available in Traditional, Roth and SEP. Monthly compounded, monthly credited. Rates apply to the entire balance, not just the amount over the tier threshold. A $2,500 minimum balance must be maintained to earn dividends on MMSA accounts. Rates on variable accounts may change after the account is open.

Sources (2)

All captured Oct 22, 2026

IRA Share Accounts

0.25%APYIRA

Available in Traditional, Roth, SEP, and ESA. Navy Federal does not charge monthly maintenance fees on savings accounts.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceAvailable in Traditional, Roth, SEP, and ESA. Compounded and credited monthly. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.Any balance	0.25%	$25	Available in Traditional, Roth, SEP, and ESA. Compounded and credited monthly. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.

Sources (6)

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.

Check membership requirements ↗Branches and institution details

← Navy Federal Credit Union overview

How Navy Federal Credit Union’s savings rates compare

Navy Federal Credit Union savings score

Current savings rates

Jumbo Money Market Savings Account (MMSA)

Money Market Savings Account (MMSA)

Share Savings Account

Special-purpose accounts

Jumbo IRA Money Market Savings Account

IRA Money Market Savings Account

IRA Share Accounts

Who can join Navy Federal Credit Union

Military, government and schools

Family and household

Cost to join