Najem Financial Logo
Home Savings & CDs
Savings & CDs

Make your money
work as hard
as you do

From high-yield savings accounts to guaranteed FD rates and tax-advantaged IRAs — we have the tools to grow your wealth at every stage.

Up to 5.00% APY
On qualifying Advantage Savings & FD accounts
Open a Savings Account Compare FD Rates
FDIC Insured
No Hidden Fees
Open in Minutes
Best Savings APY
0%
On Najem Financial Advantage Savings with Preferred Rewards
Open account
Top CD Rate
0%
12-month CD. Minimum $1,000 deposit. Fixed rate guaranteed.
Compare terms
FDIC Coverage
0
Your deposits are federally insured up to $250,000 per depositor.
Learn more
Our Products

Choose how you save

Three powerful ways to grow your money — each designed for a different goal.

Best Rate

Advantage Savings

A high-yield savings account with no monthly fees and flexible access. Earn more just by keeping your balance here.

5.00% APY
No minimum balance required
  • No monthly maintenance fee
  • Unlimited transfers
  • Earns more with Preferred Rewards
  • Mobile & online access
Open Account
Featured

Fixed Deposits

Lock in a guaranteed rate for a fixed term. CDs are perfect when you know you won't need the funds right away.

4.75% APY
12-month · $1,000 minimum
  • Terms from 3 to 36 months
  • Guaranteed fixed rate
  • FDIC insured up to $250K
  • Auto-renew or cash out
Compare CD Terms

Individual Retirement Accounts

Save for the future with powerful tax advantages. Choose between a Traditional IRA (tax-deferred) or Roth IRA (tax-free growth).

$7,000 /yr
2025 contribution limit
  • Traditional & Roth options
  • Tax-deferred or tax-free growth
  • $8,000 limit age 50+
  • Easy rollover support
Explore IRAs
How It Works

Start saving in 3 simple steps

1
Choose your account

Pick the right product for your goal

Whether you want flexible access, a locked-in rate, or tax-advantaged retirement savings — we have an option that fits. Compare rates and features side by side.

Compare products
Savings
Compare
CD
Compare
IRA
Compare
Side-by-side comparison
2
Open your account

Apply online in under 5 minutes

No paperwork, no branch visit required. Open your account from any device with just a few personal details and an initial deposit.

< 5 minutes Mobile-friendly
Open Savings Account
Full Name
SSN (last 4)
Initial Deposit
Continue
3
Watch your money grow

Track growth in real time

See interest credited daily and track your balance growth through our mobile app or online banking portal. Set savings goals and automate deposits.

Explore online banking
$12,563
Current Balance
+$62.81 this month
Preferred Rewards

Earn more when you bank more with us

Preferred Rewards members get boosted APYs, waived fees, and exclusive benefits — automatically applied based on your combined balances.

Gold
Platinum
Platinum Honors
Learn about Preferred Rewards
FAQs

Common Questions

A savings account lets you deposit and withdraw money at any time while earning interest. A Fixed Deposit (FD) locks your funds for a fixed term in exchange for a higher guaranteed rate. FDs are ideal when you know you won't need the money for a set period.
No. There is no minimum balance required to open or maintain a Najem Financial Advantage Savings account. However, Preferred Rewards tier benefits may require a combined minimum balance across your accounts.
When your FD matures, you'll have a grace period (typically 10 days) to choose your next step — withdraw the funds, roll them into a new FD, or change your term. If you take no action, the FD will automatically renew at the current rate for the same term.
For 2025, the IRA contribution limit is $7,000 per year. If you are age 50 or older, you can make an additional catch-up contribution of $1,000, for a total of $8,000.
Yes. All deposit accounts at Najem Financial are FDIC insured up to $250,000 per depositor, per ownership category. This covers savings accounts, FDs, IRAs, and checking accounts.
Start growing today

Ready to put your money to work?

Open an account in minutes. No paperwork, no branch visit — just smarter saving.

Open Savings Account Compare CD Rates