Find the latest Navy Federal Credit Union CD Rates, Offers, and Promotions here.
Best CD Rates: 4.70% APY, 18-month Special Certificate ($50 Minimum, $250K Maximum).
Availability: Nationwide, but restricted to those with a military relationship.
Credit Inquiry: Soft Pull
Update 4/25/24: There is now a 4.70% APY for 18-Month CD.
About Navy Federal Credit Union
Navy FCU is a Virginia-based credit union serving millions of members who are, or related to, service members and employees with the Department of Defense. They are considered the largest credit union in the world.
The credit union offers a range of depository banking and lending products, as well as business and investment services.
| Eligibility: Membership in Navy Federal Credit Union is open to members of active duty military personal or civilian working at a military institute. Military veterans who were honorably discharged are also eligible. Membership is also open to immediate family of current members or those eligible for membership. See current membership details |
Special EasyStart Certificate
| Term | APY Rate | Maximum Deposit |
| 12-Month | 4.75% | $250,000 |
| 18-Month | 4.70% | $250,000 |
| 24-Month | 4.15% | $250,000 |
Standard Certificate
| Term | $1K Deposit | $20K Deposit | $100K Deposit |
| 3-Month | 2.75% | 2.75% | 2.80% |
| 12-Month | 4.80% | 4.80% | 4.85% |
| 18-Month | 4.50% | 4.50% | 4.55% |
| 24-Month | 4.20% | 4.20% | 4.25% |
| 36-Month | 4.00% | 4.00% | 4.05% |
| 60-Month | 3.80% | 3.80% | 3.85% |
| 84-Month | 3.80% | 3.80% | 3.85% |
*The above rates are accurate as of 04/25/2024*
Navy Federal Credit Union CD Rates
CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer of a term, the higher APY rate you make.
With as little as $50, you can invest in a Navy Federal Credit Union CD account to maximize your earnings. Compare their offer now to find the account that best fits with your savings goals. If you’re interested in making a higher rate than a traditional savings account then make sure to check out our CD rates below.
- Minimum deposit: $50
- Maximum deposit: $250K
- Early withdrawal penalty:
- All dividends for 180 days on the amount withdrawn, or
- All dividends on the amount withdrawn since the date of issuance or renewal.
(FDIC Insured)
| Western Alliance Bank 3-Month CD (4.50% APY) | Western Alliance Bank 12-Month CD (4.25% APY) |
| Ponce Bank 3-Month CD (4.25% APY) | Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY) |
| Sun Canyon Bank 11-Month CD (3.98% APY) | Ponce Bank 4-Month No-Penalty CD (4.15% APY) |
| Quontic Bank CD (Up to 4.25% APY) | |
Navy Federal Credit Union CD Features
- Great for long-term savings growth
- Open with $1,000 or more
- No limit on deposit amount
- NCUA Insured
Bottom Line
With an incredibly high CD rate, you can be sure to find an account that best fits all your banking needs. Take advantage of a low required minimum balance of just $1,000 an earn a generous rate.
This is ideal for accounts like Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best, using our guides: CD Rates | Savings Rates.
*While Navy Federal Credit Union does have competitive rates, be sure to still check out these Discover Bank Promotions here
| Service Credit Union | 4.25% APY 9-Month CD | Review |
| Western Alliance Bank | 4.50% APY 3-Month CD | Review |
| Western Alliance Bank | 4.40% APY 6-Month CD | Review |
| First Tech Federal Credit Union | 4.35% APY 13-Month Share Certificate | Review |
| Sallie Mae | 4.35% APY 10-Month CD | Review |
| Western Alliance Bank | 4.25% APY 12-Month CD | Review |
| Ponce Bank | 4.25% APY 3-Month High Yield CD | Review |
| Sallie Mae | 4.25% APY 14-Month CD | Review |
| Ponce Bank | 4.15% APY 4-Month No-Penalty CD | Review |
| Live Oak Bank | 4.10% APY 12-Month CD | Review |
| Live Oak Bank | 4.10% APY 12-Month Business CD | Review |
| First Mid Bank & Trust | 4.08% APY 9-Month CD | Review |
| Discover Bank | Up to 4.00% APY CD | Review |
| Sun Canyon Bank | 3.87% APY 11-Month CD | Review |
| Western Alliance Bank | 3.85% APY 5-Month CD | Review |
| Quontic Bank | Up to 3.75% APY CD | Review |
| GreenState Credit Union | 3.65% APY 10-Month CD | Review |
| Blue Federal Credit Union | 3.55% APY 15-Month CD | Review |
| Blue Federal Credit Union | 3.50% APY 9-Month No Penalty CD | Review |
| CIT Bank | 3.50% APY 13-Month CD | Review |
| CIT Bank | 3.50% APY 11-Month No-Penalty CD | Review |
| Southwestern National Bank | 3.40% APY 8-Month CD | Review |
| Ponce Bank | 3.00% APY 1-Month High Yield CD | Review |
| CIT Bank | 3.00% APY 6-Month CD | Review |
| CIT Bank | 3.00% APY 18-Month CD | Review |
This is a great opportunity to invest in a high-interest CD from Navy Federal Credit Union. However, you may want to compare them with our best CD Rates:
- 6-Month CD Rates
- 9-Month CD Rates
- 12-Month CD Rates
- 18-Month CD Rates
- 24-Month CD Rates
- 36-Month CD Rates
- 48-Month CD Rates
- 60-Month CD Rates
You might even find yourself earning more than a regular savings account. Be sure to apply as soon as you can to start your new account experience. Check back often for the latest Navy Federal Credit Union CD rates!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
Golden One Credit Union (California) has 17 month certificates at 5%
Patelco Credit Union has 18-23 month certificate at 5%