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The Navy Federal Credit Union's Special Easy Start Certificate is a beneficial savings option for those who find it challenging to save money. It offers a higher annual percentage yield (APY) compared to traditional savings accounts, making it a more attractive choice. While savings accounts allow for easy access and withdrawals, which can impede saving discipline, the Easy Start Certificate locks in funds for a set term. You can deposit funds into the certificate at any time, although early withdrawals incur penalties. This structure encourages quick savings for individuals who may struggle with impulse spending and discipline, ultimately helping them grow their savings effectively.