This year Navy Federal is offering a Military Appreciation Certificate, min $25, 12 mo term, 3.50%APY. Terms and conditions from Navy Federal's rates page
APY=Annual Percentage Yield. Penalty for early withdrawal. Limit one Military Appreciation Certificate per member. This offer, including the stated APY, is effective May 01, 2014. Navy Federal reserves the right to end or modify these offers at any time. $5,000 maximum balance. Additional deposits are allowed at any time. Certificate owner(s) age 18 and older must have Direct Deposit of Net Pay, minimum $300 per Direct Deposit (excluding allotment) and a Navy Federal Active Duty Checking Account within 90 days of the certificate issue date. If these requirements have not been satisfied by the 90th day, your Military Appreciation Certificate dividend rate will be reduced to the prevailing dividend rate of a standard EasyStart Certificate for the remainder of the certificate's term. At maturity, the Military Appreciation Certificate will automatically renew to a $100 minimum, standard EasyStart Certificate at the prevailing dividend rate unless member specifies otherwise.
The Special Easy Start certificate continues at 3% for a 12 mo term, maximum $3k.
On a stand-alone basis, the low cap will make these non-starters for someone who is not already a member - but otherwise this year's special may be of interest.