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NASA Federal Credit Union

Popular Accounts at this Credit Union

2.00%4-year CD49 Months Share Certificate Special
2.00%4-year IRA49 Months IRA Certificate Special (Traditional, Roth)
1.05%5-year CD60 Months Share Certificate

Overview / Commentary
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 117th largest credit union in the nation. It was established in 1949 and as of December of 2015, it had grown to 253 employees and 119,371 members at 12 locations. NASA Federal Credit Union's savings rates are 35% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership 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 49 Month CD Rate Drop. - 3/7/2016

NASA Federal Credit Union took its' top-rated 49 month CD off the board today, lowering the APY (from 2.30%) to 2.00%.  :( :(

NASA FCU Raises Rate On Competitive 49-Month CD Special - 1/3/2016

NASA FCU (easy membership) has raised the rate on its 49-month CD Special (2.30% APY). Minimum deposit is $5K of new money, and must be deposited during January 2016.

49 Month Share Certificate Yield Increase - 1/1/2016

The 49 month share certificate yield is now 2.30% versus the previous 2.15%. Share Certificates | Credit Union Rates | NASA Federal CU

View all posts from:

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.

Go NASA for checking accounts

I qualified to open an account with NASA Federal Credit Union as a relative of a NASA employee. I checked around and they offered the best checking account I could find, so I opened an account. I have been a member for nearly 3 years. The nice thing about NASA Federal Credit Union is that I opened my account with only a $100 deposit, and they only require a $5 deposit to open an account. Other banks wanted me to deposit at least $500 to open an account. My NASA Federal Credit Union also has no checking account fees and no direct deposit requirement. When I first opened my account the staff member was very courteous and assisted me quickly, I had my new account number in less than 15 minutes. I've never had any problems with my account. I highly recommend my credit union for checking accounts to anyone qualified to join.

So Far, So Good.

Posted by: jimbeau | Feb 24, 2016

You should know that getting a new account created at a credit union is usually more difficult than when dealing with a bank. At least they allowed most everything to be done online and fund the initial deposit using ACH. Some credit unions still insist on doing everything thru snail mail and want a check. The only glitch I had with getting the regular share account open was that they didn't ask for a copy of your driver's license until a few days after I had submitted the membership application. So that caused the regular share account creation to be delayed by about a week. It wasn't until I got that out of the way that I was able to create the IRA share account (savings). As of February of 2016, they've got a 49 month share certficate with an APY of 2.3%. Since this special was "This limited-time offer is subject to change at any time without notice." I had them put the IRA funds in the IRA share account before creating the IRA CD. This way I would be able to make sure that the promotional rate was still available when the IRA funds finally were transferred to NASA. You may think that this is paranoia, but I had ANOTHER UNNAMED CREDIT UNION pull the plug on their promotional rate 16 days into their CD special. This happened to be the very day they received the funds! If they hadn't honored the promotional rate I would have just left it in the share account and transferred it back out. I'll give NASA credit that they appear to keep their promotional rates available for the whole month that they offer them (and, sometimes beyond that). However, I started the application process in January and the IRA funds didn't make it to them until February. I'd recommend others to not automatically create CD's where the promotional rate has disclaimers like the one I described above. Just put the money in a regular share account, verify that the promotional rates still exist, and then have them transfer the money into a new CD. I explained my concerns to the folks at NASA and they did exactly as I requested. So, you can't ask for more than that. So far, the only negative is that they have a $35 fee to close an IRA. Hardly anyone does that anymore.

NASA Credit Union Be Careful

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



Health Grade Components

NCUA #6328
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD10.11%
Annual Interest Income$65.5MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$1.73B$1.49B
LoansQ4 2015vs Q4 2014$1.40B$1.09B
DepositsQ4 2015vs Q4 2014$1.39B$1.24B
Equity CapitalQ4 2015vs Q4 2014$181.0MM$162.9MM
Loan Loss AllowanceQ4 2015vs Q4 2014$11.4MM$7.6MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$10.3MM$6.8MM
Real Estate OwnedQ4 2015vs Q4 2014$760.00K$642.00K
  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.

NASA FCU 49 Month CD Rate Drop.

cumulus   |  
NASA Federal Credit Union took its' top-rated 49 month CD off the board today, lowering the APY (from 2.30%) to 2.00%.  :( :(

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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 cannot provide official rates or promotions.

* 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

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%--Business Savings

NASA Federal Credit Union Money Market Rates

0.55%*$100k*-Premier Advantage Money Market
OTHER TIERS: 0.25% Up to $50k | 0.45% $50k - $100k
0.55%*$100k*-Business Premier Advantage Money Market
OTHER TIERS: 0.25% Up to $50k | 0.45% $50k - $100k
0.45%$40k-Premier Plus Money Market
0.45%--Business Premier Plus Money Market
0.40%$10k-Premier Money Market
0.40%--Business Premier Money Market

NASA Federal Credit Union Checking Account Rates

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

NASA Federal Credit Union CD Rates

2.00%$5k-49 Months Share Certificate Special
1.05%$1k-60 Months Share Certificate
1.05%$1k-Business 60 Months Share Certificate
1.05%$5k-15 Months Share Certificate Special
0.80%$1k-48 Months Share Certificate
0.80%$1k-Business 48 Months Share Certificate
0.65%$1k-36 Months Share Certificate
0.65%$1k-Business 36 Months Share Certificate
0.60%$1k-36 Months Bump Rate Share Certificate
0.45%$1k-24 Months Share Certificate
0.45%$2k-12 Months Health Savings Certificate
0.45%$1k-Business 24 Months Share Certificate
0.40%$1k-24 Months Bump Rate Share Certificate
0.40%$2k-6 Months Health Savings Certificate
0.35%$50$50kEarly Savers 12 Months Share Certificate
0.35%$1k-12 Months Share Certificate
0.35%$1k-Business 12 Months Share Certificate
0.30%$1k-6 Months Share Certificate
0.30%$1k-Business 6 Months Share Certificate
0.25%$250-Add-On 12 Months Share Certificate

NASA Federal Credit Union IRA Rates

2.00%$5k-49 Months IRA Certificate Special
1.05%$1k-60 Months IRA Certificate
1.05%$5k-15 Months IRA Certificate Special
0.80%$1k-48 Months IRA Certificate
0.65%$1k-36 Months IRA Certificate
0.60%$1k-36 Months Bump Rate IRA Certificate
0.45%$1k-24 Months IRA Certificate
0.40%$1k-24 Months Bump Rate IRA Certificate
0.35%$1k-12 Months IRA Certificate
0.35%$50$50kEarly Savers 12 Months IRA Certificate
0.30%$1k-6 Months IRA Certificate
0.25%$250-Add-On 12 Months IRA Certificate

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