2 CDs
Navy Federal Credit Union CD rates
Every CD we track from Navy Federal Credit Union, by term, with each term’s place among the CDs we track and its terms of business.
At each term
Its best rates
- 1 year4.35%#68 of 176
- 18 months3.70%#52 of 107
- 2 years3.60%#58 of 134
Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
Every CD
Its CDs, by term
EasyStart Certificate
1 year4.00%#61 of 176
18 months3.70%#52 of 107
2 years3.60%#58 of 134
- Minimum to open
- $50navyfederal.org, checked Nov 1, 2026
- Early withdrawal penalty
- Penalties may apply for early withdrawals from certificate accounts.navyfederal.org, checked Nov 1, 2026
- Grace period at maturity
- 21 daysnavyfederal.org, checked Nov 1, 2026
- Interest compounds
- Dividends compounded daily, credited monthlynavyfederal.org, checked Nov 1, 2026
- Membership
- Membership required:
- Servicemembers in all branches of the armed forces, including active duty members, Delayed Entry Program (DEP), DoD Officer Candidate/ROTC, DoD Reservists, veterans, retirees and annuitants
- Immediate family members include parents, grandparents, spouses, siblings, children (including adopted and stepchildren), grandchildren and household members
- 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
- An existing member who is a parent, grandparent or guardian of a minor can share the gift of membership through the minor membership application
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
Special EasyStart Certificate
1 year4.35%#68 of 176
- Minimum to open
- $50navyfederal.org, checked Nov 1, 2026
- Early withdrawal penalty
- Penalties may apply for early withdrawals from certificate accounts.navyfederal.org, checked Nov 1, 2026
- Interest compounds
- Dividends compounded daily, credited monthlynavyfederal.org, checked Nov 1, 2026
- Membership
- Membership required:
- Servicemembers in all branches of the armed forces, including active duty members, Delayed Entry Program (DEP), DoD Officer Candidate/ROTC, DoD Reservists, veterans, retirees and annuitants
- Immediate family members include parents, grandparents, spouses, siblings, children (including adopted and stepchildren), grandchildren and household members
- 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
- An existing member who is a parent, grandparent or guardian of a minor can share the gift of membership through the minor membership application
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake