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Savings Products Minimum Deposit Term Dividend Rate APY* Compounded/ Credited

Featured Savings Products:

Special 30 Month Certificate
(Share/ IRA/ ESA)1
border=0		$18,00030 Months2.57%2.60%Daily/Monthly

Special 18 Month Certificate
(Share/ IRA/ ESA)2
border=0		$10,00018 Months1.98%2.00%Daily/Monthly

Special EasyStart Certificate
(Share/ IRA/ ESA)3
border=0		$501 Year 2.86%2.90%Daily/Monthly

All Savings Products:
Share Savings$5.00None0.40%0.40%Monthly/Monthly
Money Market Savings Account     $0 to $9,999***None0.70%0.70%Monthly/
Monthly
 $10,000 to
$24,999		None0.80%0.80%Monthly/
Monthly
 $25,000 to $49,999None0.90%0.90%Monthly/
Monthly
 $50,000
& over		None1.00%1.01%Monthly/
Monthly
Custom Club Account$5.0013 Weeks
to 5 Years		0.75%0.75%Daily/Monthly
Active Duty CheckingNone1 Day0.15%0.15%Monthly/Monthly
e-CheckingNone1 Day0.15%0.15%Monthly/Monthly
Campus CheckingNone1 Day0.15%0.15%Monthly/Monthly
EveryDay CheckingNone1 Day0.15%0.15%Monthly/Monthly
Flagship Checking $0.00 to
$9,999**		1 Day0.50%0.50%Monthly/Monthly
 $10,000 to
$24,999		1 Day0.75%0.75%Monthly/Monthly
 $25,000
& over		1 Day1.00%1.01%Monthly/Monthly
IRA Share Accounts (ESA, Roth, SEP and Traditional) NoneNone0.50%0.50%Monthly/Monthly
IRA/Education
Money Market Savings Account 		$0.00 up
to $9,999***		None0.70%0.70%Monthly/Monthly
 $10,000 up
to $24,999		None0.80%0.80%Monthly/Monthly
 $25,000 up
to $49,999		None0.90%0.90%Monthly/Monthly
 $50,000
& over		None1.00%1.01%Monthly/Monthly

Special 30 Month Certificate
(Share/ IRA/ ESA)1
border=0		$18,00030 Months2.57%2.60%Daily/Monthly

Special 18 Month Certificate
(Share/ IRA / ESA)2
border=0
$10,000
18 Months
1.98%
2.00%
Daily/Monthly

Special Easy Start Certificate
(Share/ IRA / ESA)3
border=0		$501 Year2.86%2.90%Daily/Monthly

EasyStart Certificate
(Share, IRA and ESA) 		$1001 Year1.54%1.55%Daily/Monthly

6 Months Certificate
(Share and IRA)

9 Month Certificate
(Share/ IRA / ESA)
$2,500
$10,000

$10,000
26 Weeks
26 Weeks

9 Months		1.00%
1.24%

1.49%		1.01%
1.25%

1.50%
Daily/Monthly
Daily/Monthly

Daily/Monthly

Share, IRA and ESA Certificates
$1,000
$1,000
$1,000
$1,000
$1,000
$1,000
1 Year
2 Years
3 Years
4 Years
5 Years
7 Years
1.54%
1.88%
2.27%
2.57%
2.91%
3.78%
1.55%
1.90%
2.30%
2.60%
2.95%
3.85%
Daily/Monthly
Daily/Monthly
Daily/Monthly
Daily/Monthly
Daily/Monthly
Daily/Monthly

Share and IRA Certificates
$20,000
$20,000
$20,000
$20,000
$20,000
$20,000
1 Year
2 Years
3 Years
4 Years
5 Years
7 Years
1.69%
2.03%
2.42%
2.71%
3.05%
3.92%
1.70%
2.05%
2.45%
2.75%
3.10%
4.00%
Daily/Monthly
Daily/Monthly
Daily/Monthly
Daily/Monthly
Daily/Monthly
Daily/Monthly

Jumbo Share and IRA Certificates
$100,000
$100,000
$100,000
$100,000
$100,000
  6 To 11 Months
12 To 23 Months
24 To 35 Months
36 To 59 Months
60 To 84 Months
1.59%
1.83%
2.32%
2.57%
3.20%
1.60%
1.85%
2.35%
2.60%
3.25%
Daily/Monthly
Daily/Monthly
Daily/Monthly
Daily/Monthly
Daily/Monthly
Jumbo Money Market Savings Account     $0.00 to $99,999None0.40%0.40%Monthly/
Monthly
 $100,000
& over		None1.69%1.70%Monthly/
Monthly
Jumbo IRA Money Market Savings Account     border=0$0.00 to $99,999None0.50%0.50%Monthly/
Monthly
 $100,000
& over		None1.69%1.70%Monthly/
Monthly

Variable Rate Share, IRA & ESA Certificate
$5003-Year
Variable		0.69%0.69%Daily/Monthly
  • Rates accurate as of 11/20/2009
    *APY = Annual Percentage Yield
    **Must maintain a minimum daily balance of $1,500 to earn dividends.
    ***Must maintain a minimum daily balance of $2,500 to earn dividends.
    1This offer is effective October 19, 2009, Navy Federal reserves the right to end or modify this offer at anytime. At maturity, the 30-month term certificate will automatically renew to a $1,000 minimum, 3-year term certificate at the prevailing dividend rate unless member specifies otherwise.
    2This offer is effective October 12, 2009, Navy Federal reserves the right to end or modify this offer at anytime. At maturity, the 18-month term certificate will automatically renew to a $1,000 minimum, 2-year term certificate at the prevailing dividend rate unless member specifies otherwise.
    3This offer is effective April 20, 2009, Navy Federal reserves the right to end or modify this offer at anytime. $3,000 maximum balance. Only one Special EasyStart Certificate per member is allowed. Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay (minimum $300 per direct deposit), a Navy Federal checking account, and a monthly automatic deposit of at least $15 within 90 days of the certificate issue date. If these requirements are not met your Special EasyStart Certificate dividend rate will be reduced to the prevailing dividend rate of a standard EasyStart Certificate for the remainder of the certificate's term. At maturity the Special EasyStart Certificate will automatically renew to a $100 minimum, standard EasyStart Certificate at the prevailing dividend rate unless member specifies otherwise.
  • Rates on variable rate accounts(i.e. Share Savings, Checking, and MMSA) could change after account opening. Rates for 3-year Variable Rate Share and IRA Certificate adjust each year on the anniversary date of the purchase.
    *(APY = Annual Percentage Yield).
  • Penalties for early withdrawal on term share accounts.
  • Fees may reduce earnings.
  • Offering rates may change.
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