Navy Federal CU Specials: 13-Month CD at 4.00% APY w/ Add-On Feature

Updated January 2026. Navy Federal Credit Union is the nation’s largest credit union, with a long history of serving active military members. More recently, they have expanded their field of membership to include veterans and family members of veterans. Here are some current noteworthy offers:

13-month Special Certificate at 4.00% APY. Open with as little as $50, but make additional deposits any time up to the maximum of $250,000. Valid for taxable, IRAs, ESAs.
Credit card $250 bonus: Open a new cashRewards or cashRewards Plus credit card and get $250 when you spend $2,500 within 90 days of account opening. Unlimited 2% cash back on all purchases with cashRewards Plus. No annual fee. 1.99% intro APR for 12 months from account opening on balance transfers made in your first 60 days, with no balance transfer fees.
Auto loan $200 bonus if your auto refinance loan is at least $5,000. Their rates are usually competitive as well, starting at under 4%.

NavyFed likes to offer these special add-on CDs regularly, and I usually always open one with the minimum $50 because I like the optionality. If rates drop drastically somehow, I’ll have the ability to add unlimited additional funds at 4.00% APY. If nothing big happens (most likely scenario), I’ll only have committed $50, which I can later roll over into the next special CD. Once you have joined NavyFed, it just takes a few clicks.