2 more

Last Updated: 04/18/2025

Navy FCU EasyStart Certificate

in CD Accounts from Navy Federal Credit Union

Last Updated: 04/18/2025

Rating not yet determined2 total votes

2 users recommend

Explore a similar product

Try this top product in CD Accounts

Barclays CD

Strongly recommended24 reviews

Visit Site

Compare All CD Accounts

Filter & compare all your options in one place.

View All Products

Highlights

APY (Annual Percentage Yield)

0.4% - 3%(Verified 06/21/2024)

Disclaimer popup with additional information

Minimum Opening Deposit

Starting at $50

Certificate Term

6 months
12 months
18 months
2 years

Navy FCU EasyStart Certificate Review

Navy FCU EasyStart Certificate are offered by Navy Federal Credit Union, a credit union founded in 1933 and based in Vienna, VA. Navy Federal Easystart are available in 50 states and Washington, DC.

Key Takeaways

Small selection of CD account types. Navy Federal Easystart only offers IRA and traditional CDs.
Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 3%, which is much higher than the national average for a certificate account.
Small minimum initial deposit. You only need $50 to open an account.
Wide selection of certificate terms. Navy Federal Easystart allows you to create a certificate ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.

Pros & Cons of Navy FCU EasyStart Certificate

Pros

Cons

Insured by NCUA.
Multiple certificate terms available.
Available in 50 states and Washington, DC.
High-dividend yield

There isn't a no-penalty certificate option.

Navy FCU EasyStart Certificate FAQ

Are share certificates from Navy Federal federally insured?

Yes, your share certificates are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What is the difference between CDs and Share Certificates?

Certificates of Deposit (CDs) and Share Certificates are both deposit accounts where your money can grow at a fixed rate for a predetermined period of time. Both are low-risk and federally insured products designed to give you a better rate on your deposits than typical savings accounts. The main difference between them is that CDs are offered by for-profit banks, whereas Share Certificates are offered by member-owned, not-for-profit credit unions.

What types of share certificates does Navy Federal Credit Union offer?

Navy Federal Easystart provides the following types of share certificates.

Traditional share certificates. These share certificates pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the share certificate for another term.
IRA share certificates. An IRA share certificate is a type of IRA that consists entirely of share certificates. In general, you can invest in share certificates in any IRA, but Navy Federal Easystart offers a share certificate that is specifically for retirement.

What rates does Navy Federal Credit Union offer on its share certificates?

Navy Federal Easystart offers an APY starting at 0.4% and ranging up to 3%. APY stands for annual percentage yield and shows the interest rate paid by the share certificate after taking into account compounding.

What terms does Navy Federal Easystart offer?

Navy Federal Credit Union offers share certificate terms of the following lengths:

Navy FCU EasyStart Certificate Rates & Terms

Description

Certificate Term

6 months
12 months
2 years
18 months

12-Month APY

0.5% - 3%

APY (Annual Percentage Yield)

0.4% - 3%

6-Month APY

0.4%

2-Year APY

0.6%

What is the minimum deposit to open a share certificate account with Navy Federal Credit Union?

Navy Federal Easystart require a minimum deposit of $50 to open an account.

What is the grace period for Navy Federal Easystart?

There is a 21-day grace period for Navy Federal Easystart. A grace period is a period of time during which you can withdraw the money in your share certificate without paying an early withdrawal penalty. A grace period starts the day after a share certificate’s maturity date, or the final day a share certificate is opened. Standard share certificates renew automatically at the same term if you don't withdraw your money after the 21-day grace period. Note that the new share certificate rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does Navy Federal Credit Union charge?

Financial institutions don't typically charge many fees on share certificates. However, most charge a fee if you choose to withdraw your money before the term ends.

Navy Federal Credit Union charges an early withdrawal fee.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from Navy Federal Easystart

Our members are the mission. As our valued member, you're at the heart of everything we do, and we strive to do what's right for you. As our valued member, you're at the heart of everything we do, and we strive to do what's right for you. Focusing on values of Service, Integrity and Community supports our mission to make you our top priority. Compassionate service goes beyond knowing your name and rank. It’s understanding and caring about what’s important to you. That’s why we’re truly dedicated to your overall financial well-being and helping you achieve what you want in life. As a not-for-profit credit union, we strive to do what’s right for our membership as a whole, so we can bring real value to each and every member. It’s a matter of integrity and simply the right thing to do. So, you can trust that 24/7/365, we’re focused on your needs. We’re dedicated to fostering financial health and well-being for the military, veterans, their families, and to embracing and celebrating diversity and inclusion in all the communities we serve. Because as a community, we’re stronger together.

EasyStart Certificates are an easy way to start building savings quickly with a low minimum purchase and flexible term lengths. With a Special EasyStart Certificate, start saving at a higher rate of return with a low minimum purchase.

Contact

Headquarters

820 Follin Ln SE

Vienna, VA 22180

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

7:00AM - 5:00PM

Tuesday

7:00AM - 5:00PM

Wednesday

7:00AM - 5:00PM

Thursday

7:00AM - 5:00PM

Friday

7:00AM - 5:00PM

Saturday

Closed

Other Services by Navy Federal Credit Union

Business Checking Accounts

Rating not yet determined (1 Review)

Checking Accounts

17 Reviews

Money Market Accounts

2 products

Rating not yet determined (1 Review)

Savings Accounts

5 Reviews

Business Loans

Rating not yet determined (1 Review)

Business Credit Cards

Rating not yet determined (2 Reviews)

Credit Cards

5 products

15 Reviews

Auto Loans

Rating not yet determined (4 Reviews)

Personal Loans

Rating not yet determined (1 Review)

Private Student Loans

Rating not yet determined (1 Review)

Home Equity Loans

6 Reviews

Home Mortgage Loans

Rating not yet determined (2 Reviews)

Auto Loan Refinancing

Be the first to rate

Other CD Accounts from Navy Federal Credit Union

Navy Federal Credit Union SaveFirst Account

Rating not yet determined

2 reviews

APY (Annual Percentage Yield)

0.4%

Disclaimer popup with additional information

Minimum Opening Deposit

Starting at $5

Certificate Term

3 months
6 months
9 months

11 months
12 months
13 months
15 months
16 months
18 months
2 years
28 months
30 months
3 years
42 months
4 years
5 years

Visit Site

Navy Federal Credit Union Standard Certificate

Rating not yet determined

Be the first to rate

APY (Annual Percentage Yield)

0.45% - 0.95%

Disclaimer popup with additional information

Minimum Opening Deposit

Starting at $1K

Certificate Term

3 months
6 months
11 months

12 months
2 years
3 years
4 years
5 years
7 years

Visit Site

Navy Federal Credit Union Variable Rate Certificate

Rating not yet determined

Be the first to rate

APY (Annual Percentage Yield)

0.38%

Disclaimer popup with additional information

Minimum Opening Deposit

Starting at $500

Certificate Term

3 years

Visit Site

SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

+100

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.