Top CD Rates offered through Navy Federal Credit Union

February 5, 2013 1 Comment »
Top CD Rates offered through Navy Federal Credit Union

Navy Federal Credit Union’s CD rates and savings accounts are regularly featured here on because of their high APY’s and promotional features. In a savings environment that has left consumers with little in the form of interest, NFCU has been able to keep their rates substantially above the national average as well as supplementing their product line with promotional deposit accounts, such as their “Easy Start Certificate“.

NFCU is the largest credit union in the United States by both asset size and membership even though their membership is still relatively exclusive – allowing only those who have served in the United States military and their family members to join.

During the last couple of years we’ve seen a number of credit unions grow more lenient with membership restrictions. Even Pentagon Federal Credit Union has made membership more widely available – requiring just a $20 fee to the “National Military Family Association” or the “Voices for America’s Troops” foundations before joining. We’re still waiting, however, for NFCU to follow suit with lifting restrictions so that more consumers can take advantage of their products.

Navy Federal Credit Union CD Rates 2013:

(Rates accurate as of February 2013. Visit to see updated rates.)

$10k Deposit APY
$100k Deposit APY
3 Months 0.50% 0.65%
6 Months 0.60% 0.75%
9 Months 0.70% 0.85%
12 Months 0.85% 1.00%
18 Months 0.95% 1.10%
24 Months 1.05% 1.20%
3 Years 1.25% 1.40%
4 Years 1.45% 1.60%
5 Years 1.70% 1.85%
6 Years 1.85% 2.00%
7 Years 2.00% 2.15%

Outlook on Deposit Rates:

In general the outlook for any kind of savings account is not great. The FED is continuing to keep rates at historic lows in an attempt to stimulate borrowing. This unfortunately has been hurting savers who rely on deposits for income. The FED may also continue purchasing long term treasury bonds (quantitative easing) which will keep rates low for the foreseeable future.

Navy Federal Credit Union Locations and Reviews:

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  • Jason Brasskey

    Check out the latest top bank rates from
    Bank Rates:

    First Robinson Savings Bank – Robinson, IL 6.01
    Southern Missouri Bank & Trust 6.01
    Bank of Ripley – Ripley, TN 5.26
    Communication Federal Credit Union – OK 5.25
    LA DOTD Federal Credit Union – Denham Spring, LA 5.25
    Keystone Bank – Auburn, AL 5.15
    Connexus Credit Union – Wausau, WI 5.15
    Altra Federal Credit Union 5.05
    Farmers and Merchants – Nashville, IL 5.05
    Community State Bank – Poteau, OK 5.05
    First State Bank – Kansas City, KS 5.03
    State Employees Credit Union – Santa Fe, NM 5.02
    Grand Bank of Texas – Grand Prairie, TX 5.02
    Harbor Credit Union – Green Bay, WI 5.01
    Malvern Federal Savings Bank – Paoli, PA 5.01
    Union State Bank – Everest, KS 5.01
    United National Bank – Cairo, GA 5.01
    First Banking Center – Lake Geneva, WI 5.01
    Noble Bank & Trust – Anniston, AL 5.01
    The Community Bank – Brockton, MA 5.01
    Bank of Little Rock – Little Rock, AR 5.01
    Community Bank of Pleasant Hill – Pleasant Hill, MO 5.01
    Community Bank of Raymore – Raymore, MO 5.01
    Olmsted National Bank – Rochester, MN 5.01
    Royal Banks of Missouri – St. Louis, MO 4.78
    Texas Citizens Bank – Pasadena, TX 4.76

    Courtesy of BancVue