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NASA Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.25%4-year CD49 Months Share Certificate Special
1.50% - Ally Bank Raise Your Rate 4-Year CDAdvertisement
2.25%4-year IRA49 Months IRA Certificate Special (Traditional, Roth)
1.23% - National Average
1.60%18-month CD15 Months Share Certificate Special
1.35% - Ally Bank High Yield 18-Month CDAdvertisement
View all NASA Federal Credit Union rates »

Overview / Commentary
www.nasafcu.com
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 104th largest credit union in the nation. It was established in 1949 and as of December of 2016, it had grown to 277 employees and 138,252 members at 12 locations. NASA Federal Credit Union's money market rates are 36% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in NASA Federal Credit Union is open to anyone through a complimentary membership to the National Space Society. Membership is also open to employees or retirees of NASA Headquarters or any NASA Center or Facility or NAS, employees or members of NASA Federal Credit Union partner companies or associations.
See current membership details

Related Posts

NASA FCU Offers 49-Month CD Special (2.25% APY) - 4/3/2017

NASA FCU (easy membership) has raised the rate on its 49-month Share Certificate Special (2.25% APY). Minimum deposit is $5k of new money.

49-Month CD 2.25% APY, Limited Time Offer. - 4/1/2017

According to NASA FCU's website: Available for Certificate and IRA funds. Minimum $5,000 new funds required. Early withdrawal penalties apply and may reduce earnings. A minimum of $5,000 in new funds must be brought from an external source and must be deposited between April 1, 2017 and April 30, 2017.

EWP Increased On New Cds At NASA Federal Credit Union - 2/14/2017

NASA Federal Credit Union’s 49-month CD special now has an early withdrawal penalty (EWP) of 365 days of interest. It had been 180 days. Here’s the EWP change that was added to NASA FCU’s Certificate Terms & Conditions document. 182 days for certificate accounts with terms up to 24 months and 365 days for certificate accounts with terms greater than 24 months (effective for new certificates and certificate renewals on and after November 1, 2016). Thanks to the reader who emailed me news of this change.

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Reviews (21)

Happy customer

Posted by: Steph1223 | Jan 11, 2015

I have been a happy customer of NASA federal credit union for years. Initially I was concerned with the fact that there are no locations nearby enough to go to, but I have not had any issues doing my banking online with them. When I have a check to deposit, it is easy enough to take a picture of it and deposit it using my phone without even having to travel anywhere. It has been quick and easy to make any transfers as well as authorizing larger purchases with my accounts. In every instance in which I've had to call customer service, they have been friendly, understanding, and I've hung up the phone being very pleased with the experience. I made an error with my checking account at one point, and after a quick phone call, they offered to refund a fee I was charged from my own error. Overall, I am very happy with this credit union.

7

Checking and saving accounts

Posted by: Camelia77 | Mar 3, 2015

I have been with NASA Federal Credit Union for more than 10 years. Compared to my experience with other banks, I really like that there is no monthly fees or other fees for my both checking and saving accounts. Another good thing is that I don't need to worry about the overdraft fees for my checking account. If there is not enough money in my checking account, the bank will automatically transfer money from my saving account, without any fees or penalty! That's very nice. I have a checking and a saving accounts with another bank. It didn't offer the same service, so I was charged a overdraft fee. Also, it is very convenient for me to withdraw cash from either the bank or the ATM machine, without fees, AGAIN!

3

NASA Credit Union Be Careful

Posted by: DepositGuy835 | May 6, 2016

If you open an account here they do a HARD credit pull which lowers your credit score.

6

Satisfied NASA FCU Customer

Posted by: Shawn | Nov 6, 2015

I have had a premier money market account with NASA Federal Credit Union for quite some time now. I really like banking with them because they are such a reputable company. Their web and mobile experience has been very good! I think both their mobile app and website are highly user friendly and they even allow you to deposit a check by taking a picture of both the front and back side of the check. That is very convenient and makes my life easier. They are very reasonable when it comes to fees as well. The only thing that is a bit annoying is that they require a minimum balance for certain accounts. In my case, I have to keep $10,000 in my money market account at all times. I deal with it, but it would be nice if I did not have to worry about that. NASA FCU's customer service has always been wonderful. Their staff are all consummate professionals who go out of their way to help me every time I call them. Overall I am very happy with this credit union and highly recommend them.

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Health
A

Data as of Q4 2016

Learn why bank health matters

Health Grade Components

Overall
NCUA #6328
Year Chartered1949
Employees277
Primary Regulator
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD11.98%
Annual Interest Income$84.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$2.10B$1.73B
LoansQ4 2016vs Q4 2015$1.64B$1.40B
DepositsQ4 2016vs Q4 2015$1.73B$1.39B
Equity CapitalQ4 2016vs Q4 2015$205.6MM$181.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$14.9MM$11.4MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$18.0MM$10.3MM
Real Estate OwnedQ4 2016vs Q4 2015$44.00K$760.00K
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

49-Month CD 2.25% APY, Limited Time Offer.

Carpline   |  
According to NASA FCU's website:

Available for Certificate and IRA funds.
Minimum $5,000 new funds required.
Early withdrawal penalties apply and may reduce earnings.
A minimum of $5,000 in new funds must be brought from an external source and must be deposited between April 1, 2017 and April 30, 2017.
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Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

NASA Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.70%*$100k*-Health Savings Services
OTHER TIERS: 0.15% → Up to $10k | 0.25% → $10k - $25k | 0.50% → $25k - $50k | 0.60% → $50k - $100k
0.15%--Education Savings
0.15%--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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$100k*-Premier Advantage Money Market
OTHER TIERS: 0.30% → Up to $50k | 0.50% → $50k - $100k
0.55%*$100k*-Business Premier Advantage Money Market
OTHER TIERS: 0.25% → Up to $50k | 0.45% → $50k - $100k
0.50%$40k-Premier Plus Money Market
0.45%$10k-Premier Money Market
0.45%--Business Premier Plus Money Market
0.40%--Business Premier Money Market

NASA Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Premier Preferred Checking Account
0.05%--Business Checking with Interest

NASA Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$5k-49 Months Share Certificate Special
1.60%$5k-15 Months Share Certificate Special
1.25%$1k-60 Months Share Certificate
1.05%$1k-Business 60 Months Share Certificate
1.00%$1k-48 Months Share Certificate
0.85%$1k-36 Months Share Certificate
0.80%$1k-36 Months Bump Rate Share Certificate
0.80%$1k-Business 48 Months Share Certificate
0.65%$1k-24 Months Share Certificate
0.65%$2k-12 Months Health Savings Certificate
0.65%$1k-Business 36 Months Share Certificate
0.60%$1k-24 Months Bump Rate Share Certificate
0.60%$2k-6 Months Health Savings Certificate
0.55%$50$50kEarly Savers 12 Months Share Certificate
0.55%$1k-12 Months Share Certificate
0.50%$1k-6 Months Share Certificate
0.45%$250-Add-On 12 Months Share Certificate
0.45%$1k-Business 24 Months Share Certificate
0.35%$1k-Business 12 Months Share Certificate
0.30%$1k-Business 6 Months Share Certificate

NASA Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$5k-49 Months IRA Certificate Special
1.60%$5k-15 Months IRA Certificate Special
1.25%$1k-60 Months IRA Certificate
1.00%$1k-48 Months IRA Certificate
0.85%$1k-36 Months IRA Certificate
0.80%$1k-36 Months Bump Rate IRA Certificate
0.65%$1k-24 Months IRA Certificate
0.60%$1k-24 Months Bump Rate IRA Certificate
0.55%$1k-12 Months IRA Certificate
0.55%$50$50kEarly Savers 12 Months IRA Certificate
0.50%$1k-6 Months IRA Certificate
0.45%$250-Add-On 12 Months IRA Certificate
Locations

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