Navy Federal Credit Union is the largest credit union in the United States, serving millions of military members, veterans, and their families. The Navy Federal Calculator on this page projects the growth of a savings balance at any annual yield you enter. Set your initial deposit, monthly contribution, APY, and timeframe, and it shows your future balance, total contributions, interest earned, milestone balances at years 1 and 5, and what share of the final balance came from interest alone.