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301-249-1800
500 Prince Georges Blvd
Upper Marlboro, MD 20774

NASA Federal Credit Union is headquartered in Upper Marlboro and is the 3rd largest credit union in the state of Maryland. It is also the 151st largest credit union in the nation. It was established in 1949 and as of December of 2013, it had grown to 249 employees and 90,785 members. NASA Federal Credit Union's savings rates are 35% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

There are several ways to qualify for NASA Federal Credit Union membership: Be an employee or retiree of NASA Goddard, NASA Headquarters, NASA Wallops, NASA Kennedy Space Center and NAS; or Be an employee or a member of one of 900 NASA Federal Credit Union partner companies or associations; or Be an immediate family or household member of a current NASA Federal Credit Union member; or Be a member of the American Consumer Council, a non-profit organization dedicated to protecting consumers. Simply select "American Consumer Council” from the Membership Eligibility drop-down menu of the membership application. There are no fees to join, but you will be required to open a Savings Account with an opening deposit of at least $5 to establish your membership. - See Details

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49-Month CD Special with a Top Rate at NASA FCU - Easy Membership - 2/10/2014

It has been awhile since NASA Federal Credit Union has offered a competitive CD special. So I’m pleasantly surprised to see its new CD special which has a 2.00% APY and a 49-month term. Minimum deposi ...



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Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 NASA Federal Credit Union had $7.45 million in non-current loans and owned real-estate with $149.61 million in equity and loan loss allowances on hand to cover it. This gives NASA Federal Credit Union a Texas Ratio of 4.98% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for NASA Federal Credit Union experienced no significant changes from 4.11% as of December 31, 2012 to 4.98% as of December 31, 2013, resulting in a negative change of 21.24%. This indicates that the balance sheet and financial strength for NASA Federal Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
B

In the past year, NASA Federal Credit Union has increased its total deposits by $6.02 million, resulting in 0.56% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth NASA Federal Credit Union has shown is above average.

Capitalization

GRADE:
A

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. NASA Federal Credit Union has $1.27 billion in assets with $149.61 million in equity, resulting in a capitalization level of 11.74%, which is excellent.

Institution Statistics

Overall
NCUA #6328
Year Chartered1949
Employees249
Primary Regulator
Assets and Liabilities
Assets$1.27 billion
Loans$899.91 million
Deposits$1.08 billion
Equity Capital$141.98 million
Loan Loss Allowance$7.63 million
Unbacked Noncurrent Loans$6.37 million
Real Estate Owned$1.08 million
Historic Data - December 2012
Assets$1.23 billion
Equity Capital$130.94 million
Loan Loss Allowance$8.55 million
Unbacked Noncurrent Loans$6.37 million
Real Estate Owned$375,000
Profit Margin - Quarterly
Net Interest Margin4.27%
Return on Assets1.18%
Return on Equity10.62%
Interest Income$46.51 million
Rates

Always verify rates and promotions with the bank or credit union. We are not NASA Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.

NASA Federal Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.70%$100k-Health Savings Services
0.35%$2k-12 Month Health Savings Certificate
0.30%$2k-6 Month Health Savings Certificate
0.15%--Education Savings
0.15%--IRA Savings
0.15%--Roth IRA Savings
0.15%--SEP IRA Savings
0.10%--Prime Savings
0.10%--Holiday Club
0.10%--Sub-Savings
0.10%--Business Savings

NASA Federal Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.45%$100k-Business Premier Advantage Money Market
0.40%$100k-Premier Advantage Money Market
0.35%--Business Premier Plus Money Market
0.30%$40k-Premier Plus Money Market
0.30%--Business Premier Money Market
0.25%$10k-Premier Money Market

NASA Federal Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.05%--Premier Preferred Checking Account
0.05%--Business Checking with Interest

NASA Federal Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
2.00%$5k-49 Month Share Certificate Special
1.70%$1k-Business 60 Month Share Certificate
1.25%$1k-Business 48 Month Share Certificate
1.00%$5k-15 Month Share Certificate
0.95%$1k-60 Month Share Certificate
0.85%$1k-Business 36 Month Share Certificate
0.70%$1k-48 Month Share Certificate
0.55%$1k-36 Month Share Certificate
0.50%$1k-36 Month Bump Rate Share Certificate
0.50%$1k-Business 24 Month Share Certificate
0.35%$1k-24 Month Share Certificate
0.30%$1k-24 Month Bump Rate Share Certificate
0.30%$1k-Business 12 Month Share Certificate
0.25%$50$50kEarly Savers 12 Month Share Certificate
0.25%$1k-12 Month Share Certificate
0.25%$1k-Business 6 Month Share Certificate
0.20%$1k-6 Month Share Certificate
0.15%$250-Add-On 12 Month Share Certificate

NASA Federal Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
2.00%$5k-49 Month IRA Certificate Special (Traditional,Roth,CESA,SEP)
1.20%$1k-60 Month IRA Certificate (Traditional,Roth,SEP,CESA)
1.00%$5k-15 Month IRA Certificate (Traditional,CESA,Roth,SEP)
0.95%$1k-48 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.80%$1k-36 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.75%$1k-36 Month Bump Rate IRA Certificate (Traditional,Roth,SEP,CESA)
0.60%$1k-24 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.55%$1k-24 Month Bump Rate IRA Certificate (Traditional,Roth,SEP,CESA)
0.50%$1k-12 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.45%$1k-6 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.25%$50$50kEarly Savers 12 Month IRA Certificate (Traditional,Roth,SEP,CESA)
0.15%$250-Add-On 12 Month IRA Certificate (Traditional,Roth,SEP,CESA)
Locations

NASA Federal Credit Union has 12 locations. Click to view all NASA Federal Credit Union locations.