Get greater than
the average bank.

Are you happy with the standard rate of return? Are you satisfied with a mediocre retirement account? At NavyArmy Community Credit Union, we believe our members deserve greater than that. In fact, our Liberty Checking interest rates are up to 50X* greater than a typical bank – so you can feel confident you’re getting nothing less than the best in banking.

Check out the greatest rates below.

Checking

Earn up to 50X* more than the national average with Liberty Checking. It’s practically free money!

Learn more

Certificate of Deposits

The safe way to build your worth by putting your money to work.

Learn more

IRAs

Planning for tomorrow shouldn’t set you back today.

Learn more

 

Certificates of Deposit (CDs) Rates As of 07/1/2020

Account Type Minimum Balance to Obtain Rate Dividend Rates APY%**
3 Month $1,000.00 0.650 0.650
6 Month $1,000.00 0.990 1.000
1 Year $1,000.00 - 99,999.99 1.240 1.250
1 Year $100,000 JUMBO 1.330 1.350
2 Year $1,000.00 - 99,999.99 1.330 1.350
2 Year $100,000 JUMBO 1.430 1.450
3 Year $1,000.00 - 99,999.99 1.330 1.350
3 Year $100,000 JUMBO 1.430 1.450
9 Month No longer available RENEWAL RATE ONLY $1,000.00 0.750 0.750

 

Business Certificates of Deposit (CDs) Rates As of 07/1/2020

Account Type Minimum Balance to Obtain Rate Dividend Rates APY%**
3 Month $1,000.00 0.650 0.650
6 Month $1,000.00 0.990 1.000
1 Year $1,000.00 - 99,999.99 1.240 1.250
1 Year $100,000 JUMBO 1.330 1.350
2 Year $1,000.00 - 99,999.99 1.330 1.350
2 Year $100,000 JUMBO 1.430 1.450
3 Year $1,000.00 - 99,999.99 1.330 1.350
3 Year $100,000 JUMBO 1.430 1.450

 

Individual Retirement Accounts (IRAs) Rates As of 07/1/2020

Account Type Minimum Balance to Obtain Rate Dividend Rates APY%**
IRA Savings (Share) Account $50.00 0.900 0.900
1 Year Term $1,000.00 - 99,999.99 1.240 1.250
1 Year Term $100,000 JUMBO 1.330 1.350
2 Year Term $1,000.00 - 99,999.99 1.330 1.350
2 Year Term $100,000 JUMBO 1.430 1.450

 

Liberty Checking Rates † As of 07/1/2020

Minimum Opening Balance Minimum Balance to Obtain Rate Dividend Rates APY%**
$20.00 $0.00 0.100 0.100
$0.01 - 25,000*** 2.970 3.010
$25,001*** 0.500 0.500

Aproveche nuestra cuenta de cheques gratuita premier que paga interés en su saldo y brinda servicio gratis de ATM a nivel nacional.
Además, disfrutará de muchos de los beneficios sobresalientes de nuestras otras cuentas de cheque. Se aplican ciertas condiciones. Vea las cualificaciones a continuación.

If there’s a month you don’t meet the qualifications, don’t worry, there’s no penalty and you still have a free checking account that earns a base annual percentage yield. Plus, the next month that you qualify you’ll be back to earning huge dividends and receiving ATM fee refunds.
***LIBERTY CHECKING MONTHLY QUALIFICATIONS – All you have to do is:

  • Make 10 NavyArmy debit card purchases each month
  • Set up one monthly Direct Deposit or authorize one monthly ACH payment from your account
  • Enroll and receive Electronic Statements (valid e-mail address is required).
  • One Liberty Checking account per household

 

Money Market Rates † As of 07/1/2020

Minimum Opening Balance Minimum Balance to Obtain Rate Dividend Rates APY%**
$2,000.00 $0 – 49,999.99 0.500 0.500
$50,000 & over 0.650 0.650

 

Basic Savings Rates † As of 07/1/2020

Minimum Opening Balance Minimum Balance to Obtain Rate Dividend Rates APY%**
$25.00 $50.00 & Over 0.250 0.250

 

Home Savings Rates † As of 07/1/2020

Minimum Opening Balance Minimum Balance to Obtain Rate Dividend Rates APY%**
$25.00 $50.00 & Over 0.250 0.250

 

 

Truth In Savings PDF

* APR = Annual Percentage Rate

* Based on rates as of 2/1/2020. Rates are subject to change. National average based on the weekly national rate caps updated on the FDIC (Federal Deposit Insurance Corporation) website. Updates can be viewed by clicking here. Rates are based on a simple average of banks for which data is available. Credit union deposit rates are not included in the national average.

** APY = Annual Percentage Yield

The APY assumes that funds remain on deposit at least one full year. A withdrawal will reduce earnings. NavyArmy uses the Daily Balance method to calculate dividends on your account.

  1. Nature of Dividends: Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The Dividend Rate and Annual Percentage Yield (APY) are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Note: not applicable for Certificate of Deposit (Term Share) Accounts.
  2. Early Withdrawal Penalty for Certificate of Deposit Accounts: We may impose a penalty if you withdraw any of the principal before the maturity date, or the renewal date, if this is a renewable account.
  3. Rate information: The Dividend Rate and APY on your accounts are set forth above. The APY is a percentage rate that reflects the total amount of dividends to be paid on an account based on the Dividend Rate and frequency of compounding for an annual period. Withdrawal of dividends or early withdrawal of principal will reduce the APY. The Dividend Rate and APY may change at any time.

 

Liberty Checking is a premier, free checking account that pays interest on your balance and delivers ATM fee refunds nationwide when qualifications are met. If there’s a month you don’t meet the qualifications, there’s no penalty and you still have a free checking account that earns a base annual percentage yield. Plus, the next month that you qualify you’ll be back to earning huge dividends and receiving ATM fee refunds.

***LIBERTY CHECKING MONTHLY QUALIFICATIONS – All you have to do is:

  • Make 10 NavyArmy debit card purchases each month
  • Set up one monthly Direct Deposit or authorize one monthly ACH payment from your account
  • Enroll and receive Electronic Statements (valid e-mail address is required)
  • One Liberty Checking account per household

 

† Denotes Blended Rate account(s). A Blended Rate account is a tiered account on which NavyArmy pays dividends at a different rate for each level on deposit.
†† CD will automatically renew at maturity to a term of one year at the then one-year term share certificate rate. Certain conditions apply and early withdrawal penalties apply.