Read our full Navy Federal Credit Union Review. To be eligible, you must be a member of the armed forces, a veteran, a family member of a current or retired service member or a Department of Defense employee. You must become a Navy Federal Credit Union member to open an account. The Navy Federal Credit Union Standard Certificate have no maximum deposit cap, and the 12, 18 and 24-month certificates earn competitive rates from 0.45% to 5.00%APY with a minimum deposit of $1,000 There’s also the Navy Federal Credit Union Special EasyStart Certificate that earns 5.30% APY, although it has a maximum deposit cap of $3,000 and requires a checking account with direct deposit. You can even set up recurring automatic deposits. ![]() While most CDs only allow a single deposit, you can add money to your EasyStart Certificate at any time. ![]() With a low minimum opening deposit of $50, these certificates are perfect for building your savings from scratch. Navy Federal Credit Union’s EasyStart Certificates offer a competitive APY-up to 4.45%-for terms ranging from six to 24 months.
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