{"id":19039,"date":"2025-01-09T15:27:58","date_gmt":"2025-01-09T15:27:58","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/10-month-cd-at-4-35-apy-w-add-on-feature-my-money-blog\/"},"modified":"2025-01-09T15:27:58","modified_gmt":"2025-01-09T15:27:58","slug":"10-month-cd-at-4-35-apy-w-add-on-feature-my-money-blog","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=19039","title":{"rendered":"10-Month CD at 4.35% APY w\/ Add-On Feature \u2014 My Money Blog"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2024\/04\/navycds_generic.gif\" alt=\"\" width=\"720\" height=\"335\" class=\"aligncenter size-full wp-image-82119\" \/><\/p>\n<p><strong>Updated January 2025.<\/strong> Navy Federal Credit Union is the nation\u2019s largest credit union, with a long history of serving active military members.  More recently, they have expanded their field of membership to <a href=\"https:\/\/www.mymoneyblog.com\/navy-federal-membership-without-military-service.html\" rel=\"noopener\" target=\"_blank\">include veterans and family members of veterans<\/a>.   NavyFed often offers special rates and\/or features on their <a href=\"https:\/\/www.navyfederal.org\/checking-savings\/savings\/certificates.html\" rel=\"noopener\" target=\"_blank\">share certificates<\/a>.   The most recent one:<\/p>\n<ul>\n<li><strong>Limited-Time <a href=\"https:\/\/www.navyfederal.org\/checking-savings\/savings\/certificates.html\" rel=\"noopener\" target=\"_blank\">10-month Special Certificate<\/a> at 4.35% APY.<\/strong>  Open with as little as $50.   Maximum $250,000.  Make additional deposits any time.  Valid for taxable, IRAs, ESAs.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2024\/04\/navyfed2501.gif\" alt=\"\" width=\"720\" height=\"417\" class=\"aligncenter size-full wp-image-82117\" \/><\/p>\n<p>This one does have an early withdrawal penalty.  Lesser of 90 days of interest or all interest accrued so far.<\/p>\n<blockquote>\n<p>Penalties for Early Withdrawal: (a) If the term to maturity is one year (or less) for certificates and all SaveFirst Accounts, the amount forfeited is equal to the lesser of: (1) all dividends for 90 days on the amount withdrawn, or (2) all dividends on the amount withdrawn since the date of issuance or renewal.<\/p>\n<\/blockquote>\n<p>NavyFed likes to offer these add-on CDs regularly, and I usually open one with the minimum $50 because I like the optionality.  If rates drop drastically, I\u2019ll have the ability to add unlimited additional funds at 4.35% APY.  If nothing big happens (most likely scenario), I\u2019ll only have committed $50.   I already have other products with NavyFed, so it didn\u2019t require any additional paperwork.<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Updated January 2025. Navy Federal Credit Union is the nation\u2019s 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. NavyFed often offers special rates and\/or features on their share certificates. The most recent one: Limited-Time [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19040,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[11243,11245,11244,3767,11246,832],"dealstore":[],"offerexpiration":[],"class_list":["post-19039","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-10month","tag-addon","tag-apy","tag-blog","tag-feature","tag-money"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>10-Month CD at 4.35% APY w\/ Add-On Feature \u2014 My Money Blog - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=19039\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10-Month CD at 4.35% APY w\/ Add-On Feature \u2014 My Money Blog - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Updated January 2025. Navy Federal Credit Union is the nation\u2019s 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. NavyFed often offers special rates and\/or features on their share certificates. 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