NASA Federal Credit Union


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

NASA Federal Credit Union is headquartered in Upper Marlboro and is the 2nd largest credit union in the state of Maryland. It is also the 66th largest credit union in the nation. It was established in 1949 and as of September of 2024, it had grown to 366 employees and 246,370 members at 14 locations. NASA Federal Credit Union's money market rates are 5X 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 15 Month Cd Down From 5.05 To 4.54 - 9/3/2024

Nasa has gone down incrementally the last few months from 5.40, 5.25, 5.15, 5.05 and now to 4.54---Thinking this would happen, I opened several CD's at 5.05---But that is pretty much the end for me---I favor them though and have several long term's with them.

NASA FCU Rate Cuts For June - 6/1/2024

Well, as expected, NASA FCU cut their CD Special rates on June 1st: 15mo (10k min): 5.40 -> 5.25 9mo (10k min) 5.50 -> 5.35 49mo (10k min) 4.55 -> 4.40 FYI Nasa gives you 10 days to fund a CD after opening, giving you time to lock in a rate if you don't have the money instantly or you want to see which way rates go, which can be especially helpful as insurance around the end of the month right before rates tend to change. At worst you'll lose a few day's interest (no interest will be paid until you fund it), and if you change your mind you can cancel the CD (before it's funded) for no fee during those 10 days. They participate in Shared Branch, giving you an easy way to get funding to them, even at the last second. For those who have 100k, State Dept FCU is still offering a 5.41% for 15mo but it's for a Jumbo (100k min); 5.25% for normal/$500 min (currently slated to go until 6/30, but with wording that it can stop at any time). Thanks to HollyHolly for the heads up on SDFCU

Certificate Specials Gain 10bps - 4/1/2024

9 Month Share Certificate Special - 5.40% (was 5.30%) 15 Month Share Certificate Special - 5.25% (was 5.15%) 49 Month Share Certificate Special - 4.45% (was 4.35%)

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12/2/21 - NASA Federal Credit Union Raises CD Special Rates
11/3/21 - NASA Federal Credit Union Boosts 15-Month CD Special Rate
11/2/21 - NASA FCU Competitive Cds
10/4/21 - NASA Federal Credit Union Ups 49-Month CD Special Rate
6/18/21 - $300 Bonus With Qualifying Direct Deposit And Debit Card Purchases.*
6/10/21 - Did NASA FCU Change The Eligibility Requirements?
5/6/21 - NASA Federal Credit Union CD Specials Continue To Be Competitive
5/3/21 - NASA Federal Credit Union Lowers 49 Month CD To 1.4% Starting May 2021
4/3/21 - NASA Federal Credit Union Gives 49-Month CD Special Major Rate Boost
12/11/20 - 0.8% 15 Month CD, 0.75% 9 Month CD
12/3/20 - NASA Federal Credit Union Ups 9-Month CD Special Rate
5/16/20 - NASA Federal Credit Union 9-Month CD Special Rate Makes A Comeback
11/1/19 - NASA Federal Credit Union Ups Rates on 9-, 15- & 49-Month CD Specials
7/1/19 - NASA FCU Drops Rate Specials Again
6/8/19 - NASA Federal Credit Union Adds 9-Month CD Special, 2.60% APY
6/2/19 - 9-Month CD, 2.60% APY, $10,000
4/1/19 - NASA Rate Drops Continue
3/1/19 - The Party's Over
2/1/19 - NASA Federal Credit Union Brings Back 15-Month CD Special, 3.20% APY
10/1/18 - NASA FCU 15-Mo. 3.25% CD Might Be Down To 2.75%
9/3/18 - NASA Federal Credit Union Offers Top Rate 15-Month CD
9/1/18 - Raised Rates For Certificates
9/1/18 - 15 Month CD @ 3.25%
7/30/18 - $125 Bonus For Premier Echecking Account With DD Or Billpay+ And Estatement
7/3/18 - NASA FCU 15-Month Special 2.50%
4/2/18 - 2.25% 11 Month CD Has Expired
2/15/18 - 2.25% 11 Month CD
2/15/18 - NASA FCU Adds 11-Month Share Certificate Special
2/15/18 - 11-Month CD
1/2/18 - NASA FCU Boosts Rates On 49- and 15-Month Certificate Specials
4/3/17 - NASA FCU Offers 49-Month CD Special
4/1/17 - 49-Month CD 2.25% APY, Limited Time Offer.
11/1/16 - NASA FCU Drops 15-Month CD Rate
10/19/16 - NASA FCU Offers Limited-Time 15-Month CD Rate Increase
7/6/16 - 49-Month Special Drops To 2.00%
6/2/16 - NASA FCU Increases 49-month CD Special Rate
6/1/16 - Rate Increase On 49-Month CD
3/7/16 - NASA FCU 49 Month CD Rate Drop.
1/3/16 - NASA FCU Raises Rate On Competitive 49-Month CD Special
1/1/16 - 49 Month Share Certificate Yield Increase
1/6/15 - NASA FCU Offers Nationally Available Top Rate 15- and 49-month CDs
10/27/14 - NASA Federal Credit Union Improves Its CD Terms Document
8/14/14 - Why You Should Always Read Account Disclosures
7/4/14 - 49-Month 2.25% CD Special Offer Extended
6/3/14 - Higher Special CD Rates at NASA Federal Credit Union
3/1/14 - 49-Month CD Special
2/10/14 - 49-Month CD Special with a Top Rate at NASA FCU - Easy Membership
10/4/09 - 2.20% 18-Month CD at NASA Federal Credit Union - Easy Membership
9/1/09 - 3.50% 55-Month CD & 2.25% 18-Month CD at NASA Federal Credit Union - Easy Membership
7/26/09 - 4.00% 50-Month CD at NASA Federal Credit Union - Easy Membership
2/2/09 - 3.50% 18-Month CD at NASA Federal Credit Union - Easy Membership
9/1/08 - 4.25% 11-Month CD at NASA FCU - Easy Membership
8/1/08 - 4.00% 11-Month CD at NASA FCU - Easy Membership
6/1/08 - 5.00% 55-Month CD at NASA FCU - Easy Membership
5/13/08 - $175 New Checking Account and Credit Card Offer at NASA FCU (Easy Membership)
5/13/08 - 5.65% 7-Month CD at NASA FCU (Open to All)
11/3/07 - 5.25% 10-Month / 5.15% 5-Month CD at NASA FCU (Open to All)
4/30/07 - 5.80% 7-Month CD at NASA FCU (Open to All)
4/6/07 - 5.50% 5-Month / 5.50% 15-Month CD at NASA FCU
3/1/07 - 5.75% IRA CD / 5.50% 15-Month CD at NASA FCU
11/17/06 - 5.80% 7-Month CD at Credit Union Open to All (NASA FCU)
10/14/06 - 6.00% 7-Month CD at a Credit Union Open to All (NASA FCU).
10/6/06 - 5.75% 9-Month CD at NASA FCU - $100K (Open To All)

Excellent Customer Service & Great Rates!

Posted by: |

Opened a CD with them on a Friday and then saw the posted rate increase the following Monday morning. Contacted customer service to see if they had any sort of Ally-like best rate guarantee. They don't, but they offered to close and reopen the CD at the higher interest rate with no penalty other than losing the small amount of interest that had accrued over the weekend. It was a quick, easy, and enjoyable customer support interaction, which is rare in the banking world and was very appreciated. Highly recommend!

Customer Service Has Been Outstanding

I moved an Ira from Stinkrony Bank to Nasa. After receiving the request fron Nasa, Stinkrony closed my account, ( no interest bearing ), and 22 days later got the funds to Nasa. Nasa offered without any prompt from me, to give me their newer/higher rate and also make it retroactive to make up for the funds lost due to Stinkrony. That's a bit above board for the current situation with bank failures. So I'm moving more funds there now as well.

Elite Checking

Posted by: |

Nasa FCU recently "upgraded" me to the new elite checking account. It still pays the same 1% interest but it's confusing as whether or not there is now a $10 per month fee. Does anyone know for sure?

Stay Away From This Bank

Posted by: |

A few months ago, I signed up for their "Premiere eChecking" account which said no monthly fee is charged if you make 3 BillPay payments. So I have been making 3 or more BillPay payments to my credit cards diligently every month. But I noticed that NASA FCU did charge me the $7 the monthly fee the last couple of months of September and October. I tried to dispute this through secure messaging, multiple times, but they just wouldn't acknowledge that they're outright dishonoring what they publicized on their website "No monthly maintenance fee - With direct deposit or BillPay+ and eStatements". The original account description page has vanished mysteriously but it's still recorded on the Wayback Machine site. I always keep screenshots for my records. They employ a very sneaky way to take money from their customers knowing some customers just won't monitor account activities carefully.

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Health

Health Grade Components

Overall
NCUA #6328
Year Chartered1949
Employees366
Primary Regulator
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD7.79%
Annual Interest Income$224.8MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$5.5B$5.36B
LoansQ3 2024vs Q3 2023$4.24B$4.1B
DepositsQ3 2024vs Q3 2023$4.41B$4.34B
Equity CapitalQ3 2024vs Q3 2023$538.9MM$497MM
Loan Loss AllowanceQ3 2024vs Q3 2023$34.3MM$30MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$27.3MM$23.5MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%*$100k*-Health Savings Services
OTHER TIERS: 0.35% $0 - $2.5k | 0.40% $2.5k - $10k | 0.45% $10k - $25k | 0.50% $25k - $50k | 0.55% $50k - $100k
0.25%$5-IRA Savings
0.15%$5-Education Savings
0.10%$5-Prime Savings
0.10%$0-Holiday Club
0.10%$0-Business Savings
0.10%$0-Special Savings

NASA Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$100k*-Premier Advantage Money Market
OTHER TIERS: 1.65% $0 - $50k | 1.85% $50k - $100k
2.00%*$100k*-Premier Advantage Money Market IRA
OTHER TIERS: 1.65% $0 - $50k | 1.85% $50k - $100k
1.80%$40k-Premier Plus Money Market
1.80%$40k-Premier Plus Money Market IRA
1.75%$10k-Premier Money Market
1.75%$10k-Premier Money Market IRA
0.45%*$100k*-Business Premier Advantage Money Market
OTHER TIERS: 0.15% $0 - $50k | 0.35% $50k - $100k
0.30%$40k-Business Premier Plus Money Market
0.25%$10k-Business Premier Money Market

NASA Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$0-Elite Checking
0.35%$0-Business Checking with Dividends

NASA Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.34%$10k-9 Month Share Certificate Special - New Money
4.25%$1k-6 Month Share Certificate
4.25%$2k-6 Month Health Savings Certificate
4.14%$10k-15 Month Share Certificate Special - New Money
4.09%$10k-49 Month Share Certificate Special - New Money
4.05%$50$50k12 Month Early Savers Share Certificate
4.05%$1k-12 Month Share Certificate
4.05%$1k-48 Month Share Certificate
4.05%$1k-60 Month Share Certificate
4.05%$2k-12 Month Health Savings Certificate
4.00%$1k-36 Month Share Certificate
3.95%$250-12 Month Add-On Share Certificate
3.95%$1k-24 Month Share Certificate
3.90%$1k-36 Month Bump Rate Share Certificate Special
3.85%$1k-24 Month Bump Rate Share Certificate Special
0.75%$1k-Business 60 Month Share Certificate
0.60%$1k-Business 48 Month Share Certificate
0.55%$1k-Business 36 Month Share Certificate
0.50%$1k-Business 24 Month Share Certificate
0.45%$1k-Business 12 Month Share Certificate
0.40%$1k-Business 6 Month Share Certificate

NASA Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.34%$10k-9 Month IRA Certificate Special - New Money
4.25%$1k-6 Month IRA Certificate
4.14%$10k-15 Month IRA Certificate Special - New Money
4.09%$10k-49 Month IRA Certificate Special - New Money
4.05%$1k-12 Month IRA Certificate
4.05%$50$50k12 Month Early Savers IRA Certificate
4.05%$1k-48 Month IRA Certificate
4.05%$1k-60 Month IRA Certificate
4.00%$1k-36 Month IRA Certificate
3.95%$250-12 Month Add-On IRA Certificate
3.95%$1k-24 Month IRA Certificate
3.90%$1k-36 Month Bump Rate IRA Certificate Special
3.85%$1k-24 Month Bump Rate IRA Certificate Special
Locations

Availability

Baltimore Area

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