Navy Federal CD Rates (November 2026) & Calculator
Navy Federal pays up to 4.35% APY on a 1-year certificate. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
Navy Federal CD rates (Nov 3, 2026)
Every certificate term Navy Federal lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | APY at $100,000+ | $10,000 earns |
|---|---|---|---|---|---|
| 3 months | Standard Certificate | $1,000 | 1.50% | 1.55% | $37.29 |
| 1 year | Special EasyStart CertificateRelationship | $50 | 4.35% | – | $435.00 |
| Standard Certificate | $1,000 | 4.05% | 4.10% | $405.00 | |
| EasyStart Certificate | $50 | 4.00% | – | $400.00 | |
| 18 months | Standard Certificate | $1,000 | 4.10% | 4.15% | $621.26 |
| EasyStart Certificate | $50 | 3.70% | – | $560.10 | |
| 2 years | Standard Certificate | $1,000 | 3.66% | 3.70% | $745.40 |
| EasyStart Certificate | $50 | 3.60% | – | $732.96 | |
| 3 years | Standard Certificate | $1,000 | 4.10% | 4.15% | $1,281.12 |
| 5 years | Standard Certificate | $1,000 | 3.85% | 3.90% | $2,079.04 |
| 7 years | Standard Certificate | $1,000 | 3.85% | 3.90% | $3,027.03 |
Special is a promotional rate. Relationship needs a linked account at Navy Federal. A dash means the same APY as the opening balance. The highlighted row is Navy Federal's top rate.
Source: Navy Federal certificate rates. Rates change often; confirm before you open an account.
Navy Federal vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 8 other banks we track for the same term.
| Term | Navy Federal | National avg | Best other bank |
|---|---|---|---|
| 3 months | 1.50% | 1.14% |  Ally 2.90% |
| 1 year | 4.35% | 1.76% | Ally 4.50% |
| 18 months | 4.10% | 1.76% (12 mo) | Ally 4.50% |
| 2 years | 3.66% | 1.55% |  Marcus 4.40% |
| 3 years | 4.10% | 1.39% | Marcus 4.40% |
| 5 years | 3.85% | 1.41% | Ally 4.50% |
| 7 years | 3.85% | 1.41% (60 mo) |  PenFed 3.50% |
Navy Federal certificate early withdrawal penalty
| Term | Penalty |
|---|---|
| 1 year or less | 90 days of interest |
| More than 1 year and less than 5 years | 180 days of interest |
Example: $10,000 in a 1-year certificate at 4.05%, withdrawn after 6 months, has earned $200.49. The penalty is $97.90, so you would get $10,102.59.
Penalty is the lesser of the stated days of dividends or all dividends earned, so it does not reach your principal. We could not confirm the rule for 5-year terms in the official disclosure, so those terms ask you for the penalty. Official disclosure (checked 2026-11-04).
Who can join Navy Federal
Open to active duty, veterans, retirees and annuitants of all U.S. armed forces branches, DoD and DHS civilian personnel who support them, and their immediate family and household members. Membership details.
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Navy Federal's published rule for that term.
Rates come from Navy Federal's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Navy Federal's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 3, 2026 · Maintained by the Financial Calculator editorial team.
Navy Federal CD FAQs
Quick answers about Navy Federal certificate rates and penalties.
What are Navy Federal's CD rates today?
How much will $10,000 earn in a Navy Federal 1 year certificate?
What is Navy Federal's certificate early withdrawal penalty?
Are Navy Federal certificates insured?
How do Navy Federal's rates compare with the national average?
CD rates at other banks
Top APY at each bank for a $10,000 deposit.
- Chase CD ratesup to 3.50%
- Wells Fargo CD ratesup to 4.25%
- Citi CD ratesup to 4.25%
- Capital One CD ratesup to 4.50%
- Ally CD ratesup to 4.50%
- Marcus CD ratesup to 4.40%
- U.S. Bank CD ratesup to 3.50%
- PenFed CD ratesup to 3.50%
- CD calculator (any bank)