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NASA Federal Credit Union

Popular Accounts at this Credit Union

2.25%4-year CD49 Months Share Certificate Special
2.25%4-year IRA49 Months IRA Certificate Special (Traditional, Roth)
1.60%18-month CD15 Months Share Certificate Special

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 106th largest credit union in the nation. It was established in 1949 and as of June of 2017, it had grown to 289 employees and 146,032 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 - 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.

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.

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!

NASA Credit Union Be Careful

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

Their Mistake? Too Bad, You Pay

Posted by: afl1 | Dec 5, 2017

Customer for 7 years, never had a problem until my bank card was skimmed. I caught the error within 12 hours. Filed the claim, completed their paperwork, mailed it to the address they said to mail to. The paperwork disappeared and instead of following up, they simply denied my reimbursement. Couple hours on the phone trying to find a solution. Can I send the new form via registered mail? No, because it's a P.O. box. Do you think that you should warn customers that your system is broken? No, because you could have fax'd it. Really? Fax?

So I find a fax place on line and drive 6 miles during work hours. Fax the paperwork (they finally said they'd reopen my claim). Two weeks later, no response.

In the end, they said, they can't reimburse me because more than 30 days have passed since the charge was made. Not 30 days since they last heard from me. I followed up twice within the 30 days.

Bottom line: The institution is inflexible and unwilling to hold itself accountable for its own flawed processes. That translates to lousy customer service when you most need it.



Health Grade Components

NCUA #6328
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD0.68%
Return on Equity - YTD6.92%
Annual Interest Income$47.6MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.20B$1.94B
LoansQ2 2017vs Q2 2016$1.74B$1.58B
DepositsQ2 2017vs Q2 2016$1.84B$1.59B
Equity CapitalQ2 2017vs Q2 2016$213.3MM$193.8MM
Loan Loss AllowanceQ2 2017vs Q2 2016$19.9MM$13.2MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$16.2MM$12.4MM
Real Estate OwnedQ2 2017vs Q2 2016$989.00K$1.4MM
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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

0.60%*$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

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

NASA Federal Credit Union CD Rates

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

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