Navy Federal Credit Union provides money-saving products for military members and their families, including competitive CD rates, money market accounts, and savings accounts. This guide will compare Navy Fed’s interest rates to CD rates from the USA’s top banks.
Earn The Highest Interest Rates On Savings Today
Fixed annuities are almost identical to Certificates of Deposit (CDs) accounts and provide higher interest rates and penalty-free withdrawals for income.
| Term | Insurance Company | Interest Rate |
|---|---|---|
| N/A | UFB Bank Savings Account | 3.83% |
| N/A | Great Lakes Credit Union Money Market | 4.03% |
| 22 Months | SkyOne Federal Credit Union CD | 5.00% |
| 27 Months | Sallie Mae CD | 5.00% |
| 36 Months | Canvas Fixed Annuity | 5.50% |
| 48 Months | Oceanview Fixed Annuity | 5.00% |
| 5 Years | Canvas Annuity | 5.60% |
| 6 Years | Oceanview Annuity | 5.30% |
| 7 Years | Canvas Annuity | 5.70% |
| 10 Years | Oceanview Annuity | 5.20% |
Disclaimer: This is a review. The Annuity Expert is not associated with a bank or credit union. However, fixed annuities are sold at most financial institutions. We aim to help you find the highest interest rates for your retirement savings. We may receive a small referral fee if you purchase something using a link in this article.
Compare Navy Federal Credit Union CD Rates With Other Banks
Popular CD Rates Today
3-Month CD Rates
The following banks and credit unions have the highest CD rates for 3 months.
| Best 3-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Synchrony Bank | 2.25% APY | 3 Months | $0.00 |
| Popular Direct | 3.25% APY | 3 Months | $10,000.00 |
| TIAA Bank | 2.00% APY | 3 Months | $1,000.00 |
| TotalDirect Bank | 2.00% APY | 3 Months | $25,000.00 |
| Bethpage Federal Credit Union | 2.00% APY | 3 Months | $50.00 |
| Liberty Federal Credit Union | 3.25% APY | 4 Months | $1,000.00 |
| MapleMark Bank | 3.35% APY | 3 Months | $25,000.00 |
| Citibank | 3.25% APY | 3 Months | $500.00 |
| Ally | 1.50% APY | 3 Months | $0.00 |
| Merrick | 3.20% APY | 3 Months | $25,000.00 |
6-Month CD Rates
| Best 6-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| CommunityWide FCU | 3.50% APY | 6 Months | $1.000.00 |
| Quontic Bank | 3.25% APY | 6 Months | $500.00 |
| PenFed Credit Union | 2.00% APY | 6 Months | $1,000.00 |
| NASA Federal Credit Union | 4.00% APY | 9 Months | $1,000.00 |
| Synchrony Bank | 3.50% APY | 6 Months | $0.01 |
| Popular Direct | 4.25% APY | 6 Months | $10,000.00 |
| North American Savings Bank | 4.03% APY | 7 Months | $5,000.00 |
| First Internet Bank | 4.07% APY | 6 Months | $1,000.00 |
| Andrews Federal Credit Union | 5.00% APY | 7 Months | $1,000.00 |
| Bask Bank | 4.00% APY | 6 Months | $1,000.00 |
| Brilliant Bank | 4.00% APY | 9 Months | $1,000.00 |
| Marcus by Goldman Sachs | 3.25% APY | 6 Months | $500.00 |
| TAB Bank | 3.35% APY | 6 Months | $1,000.00 |
1-Year CD Rates
The following banks and credit unions have the highest CD rates for 12 months.
| Best 12-Month CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| CommunityWide FCU | 4.00% APY | 12 Months | $1,000.00 |
| Bread Savings | 4.50% APY | 12 Months | $1,500.00 |
| First National Bank of America | 4.40% APY | 12 Months | $1,000.00 |
| PenFed Credit Union | 4.25% APY | 12 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.00% APY | 12 Months | $500.00 |
| Synchrony Bank | 4.15% APY | 12 Months | $0.00 |
| Discover | 4.00% APY | 12 Months | $2,500.00 |
| Capital One | 4.00% APY | 12 Months | $0.00 |
| KS State Bank | 4.63% APY | 12 Months | $500.00 |
| Live Oak Bank | 4.50% APY | 12 Months | $2,500.00 |
| Sallie Mae Bank | 4.25% APY | 12 Months | $2,500.00 |
| Spectra Credit Union | 4.85% APY | 14 Months | $5,000.00 |
| INSBANK Online | 4.65% APY | 12 Months | $2,500.00 |
| Citi | 4.15% APY | 12 Months | $500.00 |
| My eBanc | 4.71% APY | 12 Months | $5,000.00 |
2-Year CD Rates
The following banks and credit unions have the highest CD rates for 24 months.
| Best 2-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.50% APY | 24 Months | $1,500.00 |
| Synchrony Bank | 4.30% APY | 24 Months | $0.01.00 |
| First National Bank of America | 4.40% APY | 24 Months | $1,000.00 |
| Pentagon Federal Credit Union | 4.35% APY | 24 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.25% APY | 24 Months | $500.00 |
| KS State Bank | 4.73% APY | 24 Months | $500.00 |
| Sky One Federal Credit Union | 5.00% APY | 22 Months | $1,000.00 |
| Skyla Credit Union | 4.75% APY | 21 Months | $500.00 |
3-Year CD Rates
The following banks and credit unions have the highest CD rates for 3 years.
| Best 3-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.50% APY | 36 Months | $1,500.00 |
| Pentagon Federal Credit Union | 4.05% APY | 36 Months | $1,000.00 |
| Synchrony Bank | 4.30% APY | 36 Months | $0.01% |
| First National Bank of America | 4.40% APY | 36 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.00% APY | 36 Months | $500.00 |
| Discover | 4.15% APY | 36 Months | $2,500.00 |
| Capital One | 4.15% APY | 36 Months | $0.00 |
| Sallie Mae Bank | 4.50% APY | 36 Months | $2,500.00 |
| Alliant Credit Union | 4.50% APY | 36 Months | $1,000.00 |
| CFG Bank | 4.60% APY | 36 Months | $500.00 |
| Crescent Bank | 2.90% APY | 36 Months | $1,000.00 |
| Popular Direct | 4.55% APY | 36 Months | $10,000.00 |
| Barclays | 4.15% APY | 36 Months | $000.00 |
4-Year CD Rates
The following banks and credit unions have the highest CD rates for 4 years.
| Best 4-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.65% APY | 48 Months | $1,500.00 |
| NASA Federal Credit Union | 4.60% APY | 49 Months | $10,000.00 |
| PenFed Credit Union | 3.90% APY | 48 Months | $1,000.00 |
| Synchrony Bank | 4.30% APY | 48 Months | $0.01 |
| First National Bank of America | 4.35% APY | 48 Months | $1,000.00 |
| Marcus by Goldman Sachs | 4.00% APY | 48 Months | $500.00 |
| First Internet Bank | 4.44% APY | 48 Months | $1,000.00 |
| Merrick Bank | 4.60% APY | 48 Months | $25,000.00 |
5-Year CD Rates
The following banks and credit unions have the highest CD rates for 5 years.
| Best 5-Year CD Rates | Rate | Term | Minimum |
|---|---|---|---|
| Bread Savings | 4.75% APY | 60 Months | $1,500.00 |
| Popular Direct | 4.50% APY | 60 Months | $10,000.00 |
| Synchrony Bank | 4.30% APY | 60 Months | $0.00 |
| PenFed Credit Union | 3.90% APY | 60 Months | $1,000.00 |
| First National Bank of America | 4.35% APY | 60 Months | $1,000.00 |
| Marcus by Goldman Sachs | 3.80% APY | 60 Months | $500.00 |
| Discover | 4.25% APY | 60 Months | $2,500.00 |
| Capital One | 4.25% APY | 60 Months | $0.00 |
| Sallie Mae Bank | 4.55% APY | 60 Months | $2,500.00 |
| Connexus Credit Union | 3.51% APY | 60 Months | $5,000.00 |
| CFG Bank | 4.60% APY | 60 Months | $500.00 |
| Barclays | 4.25% APY | 60 Months | $0.00 |
Next Steps
In conclusion, NFCU CD rates are an excellent option for those looking for a good interest rate. However, comparing the different rates other banks offer is essential to finding the best option for you. Contact us today for a quote, and we would be happy to help!
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