Dedicated to Deposits: Deals, Data, and Discussion

49-Month CD Special with a Top Rate at NASA FCU - Easy Membership


NASA Federal Credit Union

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 deposit is $5,000, and new money is required. It’s also available in an IRA. This special is listed at the credit union’s rates table as of 2/10/2014. It’s a limited-time offer that is subject to change at any time.

NASA Federal Credit Union2.25%$5k-49 Month Share Certificate Special
Learn MoreSponsored Note: You don’t have to work at NASA to save with NASA FCU.
Accounts mentioned in this post. Rates as of August 22, 2014

According to the credit union’s Q&A’s database, the early withdrawal penalty is "up to six month's loss of dividends on the amount withdrawn."

Membership Eligibility

In addition to NASA and many other select employee groups, the credit union's field of membership includes several associations in which anyone can join. One of those associations is the Moon Society. NASA FCU has a link to the Moon Society application page. The cost ranges from $20 to $35. Once you’re a Moon Society member, you can apply online for NASA FCU membership. In the membership eligibility section of the credit union application, you can select Moon Society. For more details, please refer to the credit union’s membership page and NASA FCU’s associations page.

Credit union membership page requires a minimum balance of $5 in the savings account.

Credit Union Overview

NASA Federal Credit Union branches are located in Maryland, Washington, DC and Virginia. Some of these branches are in facilities that have restricted access. The credit union is part of the CO-OP Shared Branch network. This allows NASA FCU members to conduct many banking transactions at other credit unions that are part of this network.

NASA FCU is a large credit union with over $1 billion in assets. The credit union has an overall health grade at of an A with a Texas ratio of 4.23% (excellent) based on September 2013 data. Please refer to our financial overview of NASA Federal Credit Union for more details. The credit union is federally insured by the NCUA (Charter # 6328).

How This CD Rate Compares

NASA FCU’s 49-month CD rate is higher than any other 49- or 48-month CD rate that’s nationally available. Navy Federal has a Jumbo 48-month CD with a yield of 2.05%. However, Navy Federal membership has limitations. The highest 4-year CD rate at an internet bank is 1.75% APY at CIT Bank.

To search for the best nationwide rates and the best rates in your state, please refer to the following sections of

Edit 6/13/14: Updated membership information.

  Tags: NASA Federal Credit Union, CD rates, IRA rates, Maryland

Related Posts

Comment #1 by Anonymous posted on
Hopefully this increase in rates will spread to other Banks/CUs.

Comment #2 by Sylvia posted on
Account was easy to open online.  If you pass the automated identity verification questions, as I did, there's no need to send copy of drivers license.  I got an account number right away, which I used to wire in funds for CD.  (No cost for incoming wires.)  Through online banking, I then opened the CD by transferring money from savings account, once received.  This all happened within a day's time.  In between, I had many questions for member services, which the reps patiently answered.