Navy Federal CU Certificate of Deposit
Cannot be determined — product page returned a 404 error.
Cannot be determined — product page returned a 404 error.
SwitchWize was unable to retrieve any usable product data for this Navy Federal Credit Union Share Certificate listing. The source URL returned a 404 Not Found error, meaning the page has either moved or been taken down. No APY, term options, minimum deposit, fee schedule, or compounding details could be extracted. SwitchWize's own rate database also carries no verified APY for this product at this time, so we cannot place it against the current CD category average or rank it within our competitive set. With the Fed Funds Rate sitting at 3.63%, top-tier CDs in our database are clustered between 4.00% and 5.00% APY depending on term — but we have no basis to assess where Navy Federal's certificates land today. Navy Federal is a well-regarded, NCUA-insured credit union with a large military membership base and historically competitive certificate rates. However, until a live product page with current terms is accessible, we are flagging this listing as unverifiable. Do not make a deposit decision based on this review. Confirm current rates directly with Navy Federal before acting.
Confirm the rate and term are still available. Review the early-withdrawal penalty in the fee schedule — it can erase months of interest.
May 2026
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Product page was unavailable at time of review. Visit navyfederal.org/checking-savings/savings/certificates.html or call 1-888-842-6328 to get current share certificate terms and open an account. Membership is required before opening any certificate.
SwitchWize was unable to retrieve any usable product data for this Navy Federal Credit Union Share Certificate listing. The source URL returned a 404 Not Found error, meaning the page has either moved or been taken down. No APY, term options, minimum deposit, fee schedule, or compounding details could be extracted. SwitchWize's own rate database also carries no verified APY for this product at this time, so we cannot place it against the current CD category average or rank it within our competitive set. With the Fed Funds Rate sitting at 3.63%, top-tier CDs in our database are clustered between 4.00% and 5.00% APY depending on term — but we have no basis to assess where Navy Federal's certificates land today. Navy Federal is a well-regarded, NCUA-insured credit union with a large military membership base and historically competitive certificate rates. However, until a live product page with current terms is accessible, we are flagging this listing as unverifiable. Do not make a deposit decision based on this review. Confirm current rates directly with Navy Federal before acting.
What happens if I withdraw from a CD early?
Most CDs charge an early-withdrawal penalty — typically 60 to 150 days of interest depending on the term. Breaking a 12-month CD at month 3 with a 90-day penalty can reduce your effective yield to near zero. Always read the fee schedule before opening.
Is a CD FDIC insured?
Yes. Certificates of deposit at FDIC-member banks are insured up to $250,000 per depositor. The fixed rate and FDIC coverage make CDs one of the safest places to hold cash you can afford to leave untouched for the full term.
What is a CD ladder?
A CD ladder splits your savings across multiple CDs with staggered maturities — for example, 3-month, 6-month, and 12-month terms. As each CD matures, you reinvest at the current rate, giving you the higher rates of longer terms and regular access to a portion of your cash.
Can the CD rate change after I open it?
No. The APY on a standard CD is locked at the opening rate for the full term. This is the main advantage over a high-yield savings account: you know exactly what you will earn, regardless of future Fed rate cuts.
Rates are sourced from Bankrate and verified by SwitchWize. SwitchWize may earn a referral fee when you click through to a partner. Content is for informational purposes only and does not constitute financial advice. Verify current rates directly with the institution before opening an account.