APY Ledger

Navy Federal Credit Union CD Rates — October 2026

As of October 22, 2026, Navy Federal Credit Union's highest CD rate is 4.35% APY on a 12-month promotional CD ($50 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 1.50% to 4.15% APY.

Last verified from www.navyfederal.org · NCUA-insured credit union · Vienna, VA

Best APY4.35%12 months, $50 min
vs. Treasury−0.22%same-term Treasury 4.57%
vs. national average2.5×FDIC national average 1.76%
After inflation0.61%CPI 3.7% year over year
$10,000 earns$435over 12 months, before tax

Navy Federal Credit Union CD rates

Membership is open to the military community, Department of Defense personnel and their families.

Navy Federal Credit Union CD rates
TermProductMinimumAPYvs. Treasury
3 months Standard Certificate $100,000 1.55% −2.75%
3 months Standard Certificate $1,000same APY in 2 balance tiers 1.50% −2.79%
12 months Special EasyStart Certificate Promotional $50 4.35% −0.22%
12 months Standard Certificate $100,000 4.10% −0.47%
12 months Standard Certificate $1,000same APY in 2 balance tiers 4.05% −0.52%
12 months EasyStart Certificate $50 4.00% −0.57%
18 months Standard Certificate $100,000 4.15% −0.57%
18 months Standard Certificate $1,000same APY in 2 balance tiers 4.10% −0.62%
18 months EasyStart Certificate $50 3.70% −1.02%
24 months Standard Certificate $100,000 3.70% −1.17%
24 months Standard Certificate $1,000same APY in 2 balance tiers 3.66% −1.21%
24 months EasyStart Certificate $50 3.60% −1.27%
36 months Standard Certificate $100,000 4.15% −0.80%
36 months Standard Certificate $1,000same APY in 2 balance tiers 4.10% −0.85%
60 months Standard Certificate $100,000 3.90% −1.11%
60 months Standard Certificate $1,000same APY in 2 balance tiers 3.85% −1.16%
84 months Standard Certificate $100,000 3.90% −1.19%
84 months Standard Certificate $1,000same APY in 2 balance tiers 3.85% −1.24%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 4.35% APY (12 months). The standard rate for a similar term is 4.10% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $25 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

Best rate by term

  1. 3 mo1.55%
  2. 12 mo4.35%
  3. 18 mo4.15%
  4. 24 mo3.70%
  5. 36 mo4.15%
  6. 60 mo3.90%
  7. 84 mo3.90%

Calculate earnings at 4.35% for 12 months

How Navy Federal Credit Union compares

Rate changes

No changes since we started tracking Navy Federal Credit Union on October 22, 2026.

About Navy Federal Credit Union

Legal name
Navy Federal Credit Union
Regulator ID
NCUA 5536
Headquarters
Vienna, VA
Available in
AL, AZ, CA, CO, CT, DC, FL, GA, GU, HI, IL, KS, KY, LA, MD, MI, MO, MS, NC, NE, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TN, TX, VA, WA
Total assets
$204.4 billion
Also known as
Navy Federal, NFCU
Website
www.navyfederal.org

Source: rates read from https://www.navyfederal.org/checking-savings/savings/savings-resources/certificate-rates.html. See the page text we read.

Frequently asked questions

What is the highest CD rate at Navy Federal Credit Union?

4.35% APY on a 12-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a Navy Federal Credit Union CD?

The lowest minimum we found is $50; jumbo and higher balance tiers start at up to $100,000.

How does Navy Federal Credit Union's best CD rate compare with Treasury yields?

4.35% APY is −0.22% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.35% a good CD rate?

It is 2.5 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Navy Federal Credit Union CDs insured?

Navy Federal Credit Union is a federally insured credit union (NCUA 5536). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

How often is this page updated?

We check Navy Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More CD rates

Rates are copied from Navy Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Navy Federal Credit Union before opening an account. This page is not financial advice.