There’s also the 12-month Navy Federal Credit Union Special EasyStart Certificate that earns 5.30% APY, although it has a maximum deposit cap of $3,000 and requires a checking account that receives recurring direct deposits. You can even set up recurring automatic deposits. While most CDs only allow a single initial deposit, you can add money to your EasyStart Certificate at any time.
With a low minimum opening deposit of $50, these certificates are perfect for building your savings from scratch. Navy Federal Credit Union’s EasyStart Certificates offer a competitive APY-up to 4.95%-for terms ranging from six to 24 months.
