NASA FCU Adds 11-Month Share Certificate Special


Deal Summary: Share Certificate Special – 11-month (2.25% APY), $20k minimum deposit of new money.

Availability: Easy Membership Requirement

At the beginning of the year, I wrote about NASA Federal Credit Union's (NASA FCU) limited-time rates on its 49-month Share Certificate Special (2.40% APY) and 15-month Share Certificate Special (1.95% APY). Good news – those rates are still in effect.

2.85%$5k-NASA Federal Credit Union49 Months Share Certificate Special (New Money)
2.50%$5k-NASA Federal Credit Union15 Months Share Certificate Special (New Money)
Rates as of July 17, 2018.

NASA FCU has just added a new 11-month Share Certificate Special (SCS) that earns 2.25% APY. The minimum opening deposit is $20k of new money. The 11-month SCS is also offered as an IRA (Traditional and Roth), earning the same APY with the same funding requirements.

While there is no stated maximum deposit balance, the fine print reads:

Credit Union reserves the right to limit deposits into this special certificate.

Like the 15- and 49-month SCS, the 11-month SCS only requires a specific minimum amount of new money. In a Live Chat today, CSR stated,

You can deposit $20k new money from an external account and combine it with existing funds in a NASA account. Only at least $20k has to be deposited as "New money."

As stated in the Certificate Terms and Conditions document, the Early Withdrawal Penalty reads as follows:

182 days for certificate accounts with terms up to 24 months and
365 days for certificate accounts with terms greater than 24 months.

Thanks to DA reader, ChasR, for his Forum post about this new hot deal.


Headquartered in Upper Marlboro, Maryland, NASA Federal Credit Union offers membership to virtually anyone, with several ways to qualify:

Easy Membership: Membership in one of 14 affiliated associations, including a complimentary membership to the National Space Society (NSS), qualifies for Credit Union membership.

Employment: Employee or retiree of NASA Headquarters, any NASA Center or Facility, or NAS are eligible for membership. In addition, any employee or member of one of 900+ NASA Federal Credit Union partner companies also qualify for membership.

Relationship: Relatives or household members of current NASA FCU members are eligible for membership.

Joining NASA FCU and/or opening a Share Certificate can be done online, or by visiting any of twelve branches located in Maryland (Annapolis, Bowie, Columbia, Greenbelt, Greenbelt-Lanham, Rockville, Upper Marlboro), Virginia (Falls Church, Oak Hall, Wallops Island), and the District of Columbia (2).

Three of the branch locations (the Goddard Space Flight Center Branch, the National Academy of Science Branch, and the GSFU-Wallops Flight Facility) have restricted assess status (employees only), but NASA FCU is a member of the CO-OP Shared Branch network, giving NASA FCU members an additional 120+ locations in the Washington metro area to conduct many business transactions.

Credit Union Overview

NASA Federal Credit Union has an overall health grade of "A" at, with a Texas Ratio of 7.92% (excellent) based on September 30, 2017 data. In the past year, NASA FCU has increased its total non-brokered deposits by $191.16 million, an excellent annual growth rate of 12.16%. Please refer to our financial overview of NASA Federal Credit Union (NCUA Certificate # 6328) for more details.

NASA Federal Credit Union was established in 1949 when seven employees received approval for a credit union charter to begin serving employees of NASA. Today, NASA Federal Credit Union is the third largest credit union headquartered in Maryland and the 104th largest credit union in the nation, with assets in excess of $2.2 billion and more than 149,000 members.

How the Share Certificate Special Compares

When compared to the 215 similar length-of-term CDs tracked by, that are nationally available and require a minimum deposit of $20k or less, NASA Federal Credit Union's 11-month Share Certificate Special APY currently ranks first.

The above rates are accurate as of 2/15/2018.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Washington CD rates, Baltimore CD rates, Norfolk CD rates, 1-year CD rates, nationwide deals

Att   |     |   Comment #1
Time to close another Ally 11 month NP. Great rate for 11 months
Att   |     |   Comment #2
Tried to open on line. No selection for 11 month CD. Called customer service. They said since it is a promo rate they will open CD for me.
BDr   |     |   Comment #3
Can you fund the CD with a credit card?
Cycles   |     |   Comment #8
Looks like the only allow up to $500 when using a CC, but the minimum to open a CD is $20K
Cycles   |     |   Comment #4
I just did it and its available under the "Select Product(s)" show more products, Certificate account section. 11 month special certificate APY 2.25% min $20K
Sylvia   |     |   Comment #6
Both Att and Cycles are correct. You can only open this product online while applying for new membership. Existing members must call or send secure message. Special CDs (11, 15 and 49 months) do not appear in drop-down menu for adding accounts through eBranch.
Bozo   |     |   Comment #5
Excellent alternative to a passbook account. Thanks, Ken.
Cycles   |     |   Comment #7
Problems with funding the account they only allow up to $100 transfer from another institution. Looks like you have to mail them a check instead. This is a deal breaker for me.
Cycles   |     |   Comment #9
I just called them and they only allow $10K daily transfer limit using ACH when pushed from another institution or initiated from NASACU. No limit when using a wire transfer except those imposed by that service. That means that you will have to make 4 transactions to savings if you want a $40K CD or open 4 $10K CDs as the funds become available on the savings account. Too much trouble and restrictions for me. I just cancelled the savings account application.
AK!   |     |   Comment #11
Thanks for your 2 cents. That's a deal breaker for me as well!
Newbie 1
Newbie 1   |     |   Comment #16
Take a check into a branch that is part of the CU Shared branch network.
hwhiteco   |     |   Comment #10
Thanks Ken!
SYC   |     |   Comment #12
Very harsh EWP for a 11 month CD - "182 days for certificate accounts with terms up to 24 months"
Bogie   |     |   Comment #13
I see nothing wrong with that. Of course EWPs never affected me.
Att   |     |   Comment #14
11 months is a short period so I really don't care about the EWP. I've only used an EWP on a Penfed CD to get a 5% rate on a 2 and change CD. Always have funds in a liquid account for emergencies. Mailing the check today.
FrankSavage   |     |   Comment #15
NASA FCU is part of the CO-OP Shared Branch network. This may be a viable alternative for those of you who want to make more timely deposits into an existing account to take advantage of the 11 month certificate.
Sylvia   |     |   Comment #17
The $10K daily limit on ACH only applies to transfers initiated from NASA. I've transferred in more, most recently for this CD, by initiating from outside. If you don't yet have NASA established as an external account with place where funds reside, the quickest and cheapest way to get CD opened is to deposit check at a shared branch, assuming you already have a member #. Money should appear in savings account right away. You can then call NASA to open CD. All this can happen in a day's time.
Cycles   |     |   Comment #21
The CS agent I spoke with was clueless. She put me on hold and came back with the information I requested. She was very specific about the $10K daily transfer limit initiated from or outside of the CU. These limits will also apply when you want to move funds out when the CD expires. I looked at all their disclosures and I could not find any limits on ACH transfers regardless of the transfer source. It seems we keep getting conflicting information.
fred   |     |   Comment #22
I've transferred $ in and out of NASA FCU that exceeded $10K. I always initiated it from my Ally bank account. Most recently, I withdrew ~$51K just over a month ago. I've never had a problem at either end.
Sylvia   |     |   Comment #23
You can find mention of the $10K limit on page 5 here,
Cycles   |     |   Comment #29
Thanks Sylvia for the document. This clearly shows that the $10K transfer limit is if you initiate from NCU not from an outside source. No mention of transfers initiated from an outside source of limits from such sources.
(v) Limitations on Dollar Amounts for Transfers.
• One-time transfers, scheduled, and recurring transfers between accounts within NASA Federal Credit Union can be for any amount between $.01 and $9,999,999.99, but not more than the available share balance in the “transfer from” account.
• Transfers to another institution are limited to $10,000.00 per day, but not more than the available share balance, including any overdraft protection limits that apply to the “transfer from” account.
Sylvia   |     |   Comment #30
Glad to help, Cycles. If it's any consolation, opening my CD took 2 calls to NASA. Both times, the CSRs put me on hold to get consultation on a routine matter. The 1st time, my call got disconnected while I was on hold. The 2nd time, I got an incorrect answer to a question. I do not recall their service being this shoddy. Maybe the current crew of CSRs are all newbies. Probably not a stretch to assume you'll get better answers from this site.
unmesh   |     |   Comment #47
I opened my account online and funded it with a wire transfer. Used Online Chat to direct the funds once deposited to more than one 11-month Certificate. Took just a few minutes. The only wrinkle that I've run into is that you cannot designate different POD beneficiaries for the different certificates.
111   |     |   Comment #18
Hmmm. This may impact whether I want to add-on to my fairly recent 15-month Navy FCU CD at 2.25% (although unfortunately it has a 50K cap). Navy, you've been great, but now you've got NASA comin' round the outside to pass (though, NASA does have a harsh EWP on this one). Navy, time to raise the targeted CD rates?
Att   |     |   Comment #19
Just gonna mail a check. They opened the account with yesterday's date. Have 10 days to fund.

Live Oak has the best opening process. If you do before 4 PM they pull the funds the same night and your account is all set the next business day
Anonymous   |     |   Comment #20
Is this better than FreedomCU 3.04% apy 3-year CD? Money in this CD is essentially betting that in 11 months, rates would be better than ~3.5% for ~2yr CD?
Att   |     |   Comment #28
#30 I agree with you. 2 reasons I didn't:

Pain to join a credit union and the stupid $5 in a share account

Almost always a pain to open an account with a new institution. Already have account with NASA. Called them and account was opened in 10 seconds. Prefer ACH but mailed check. They opened the account 2/15 and I have 10 days to fund the account.
Anon   |     |   Comment #53
I couldn't decide so I put some money into both deals.
Joe   |     |   Comment #24
Just curious. The review above mentions you can join the NSS on a complimentary basis. I went to their website and didn't find any free membership. It was like $20 or so to join I think. Maybe I missed something?
Joe   |     |   Comment #25
Never mind, I think you have to go through the application process first.
eskayvee   |     |   Comment #26
Called CSR this morning with some questions. CSR seemed quite knowledgeable -
1) They do a hard pull when setting up a new membership.
2) You need to fund the CD within 10 days of opening.
3) The 11 month 2.25% CD special is to run till end of March.
Has anyone gotten similar answers?
eskayvee   |     |   Comment #27
Correction - meant to say "Called NASA FCU this morning with some questions, and talked to a seemingly knowledgeable CSR who said - "
Amos   |     |   Comment #31
Lots of helpful folks and good info in this thread. Thanks everyone.
RJM   |     |   Comment #32
I find it frustrating that Ken does not provide the cost of the "easy membership". In this case, I think its $20.
Anon   |     |   Comment #33
Ken does provide the cost, which is zero:

"including a complimentary membership to the National Space Society".
RJM   |     |   Comment #34
my bad. I thought it was $20.

This deal seems hard to pass up.
RJM   |     |   Comment #35
Ok, I think I just opened an account. Although it looks like a typo or something regarding the link.

I want to leave a check at a shared branch credit union but it does not say I can or cant do that.
And it did not give me an account number and Im sure Im going to need that.

Really rather not have to spend a stamp.

I opened a $50k 11 month 2.25% and $5 for the required savings. It did not mention anything about the membership other than they give me the comped one.
Thank You

Your NASA Federal Membership application was successfully submitted and is currently under review. If we require more information, we will contact you. Once your application has been processed, you will be notified by email.
Thank you for choosing NASA Federal. We look forward to serving your financial needs.
Check the status of your appplication, upload requested documents or contact a Member Services Representative anytime by visiting
Check Status

Mailing a check to fund your account? Please send the check to:
NASA Federal Credit Union
P.O. Box 1910
Bowie, MD 20717-1910
RJM   |     |   Comment #36
The check status did not show up for me like it did here?
RJM   |     |   Comment #37
Ok, now they want a copy of my social security card. Great. Haven't seen it in over 10 years.

How often do scammers try to deposit $50k in someone else's name?

Because Id be ok with scammers doing that for me.
Bogie   |     |   Comment #38
That's what I don't understand about my local home town CU. I have to sign each time I make a withdrawal or DEPOSIT.
Nothing   |     |   Comment #39
Drop it in the deposit "box" after properly endorsed
RJM   |     |   Comment #43
I almost never withdrawal in recent years. When I do the shared branch thing, they need my drivers license and signature and SS# for even a deposit which is fine, I guess. Does not make sense though. 20 + years ago, I made a deposit to my dads bank account, all I needed was his account number.
anonymous   |     |   Comment #41
I've also recently observed an uptick in the number of CUs requiring additional SS doc.
anonymous   |     |   Comment #40
The teller at your local CO-OP shared branch, usually at minimum, needs your remote CU primary
share savings acct no., as you note. In-person CO-OP deposits generally 'complete' very fast!
However, I'm not sure you can deposit directly to a CD that way. It's possible you might need to
contact NASA to request funds be moved to the CD once the funds are in primary savings.
RJM   |     |   Comment #44
I chatted before they requested the SS Card and she did not mention I would need that. She said they would see my deposit right away but she was not clear that I would have to call in to transfer it. But, i did not ask either.
RJM   |     |   Comment #42
My account was later updated to approved pending final approval or something. I got an account number but they did not respond to my question on their comment about providing a SS Card.

I haven't seen it in over a decade.

So I'm unclear if I'm ok to deposit to a shared branch or not.
anonymous   |     |   Comment #45
That you received the account/member number is certainly encouraging.

However, if final approval status is still pending, as you seem to indicate, it sounds like there's a
possibility you could be in a 'limbo state' with someone waiting for you to upload SS copy to
proceed further.

If you don't hear anything more shortly, I'd probably give them a call to check status.
If they really do need the SS card, and you can't locate it, an alternative secondary ID,
such as a passport, or maybe some proof of residence, for example, might be accepted.
You'll have to inquire!

If you get past this hurdle and actually complete the shared branch deposit, definitely give
them a call afterwards to confirm funds get properly moved into the CD!
Nothing   |     |   Comment #46
New banking requirements...they have to verify Soc Sec no. is yours...they normally go to credit agency to verify another Cu I told them i’m not erasing freeze for that question ONLY to them, ie go pound sand! Emailed a copy of Soc Sec card and that worked
DPlts123   |     |   Comment #48
Nothing   |     |   Comment #49
And your point is?
RJM   |     |   Comment #50
ok, my account at Nasa is up & showing.

They never did answer me on the darn SS Card. Only issue I had was I stupidly transposed my account number when I wrote it down so I had to call them at a local shared branch.

I confirmed there is no ACH out limit so if when it expires I want to take it out of there, I can just ACH it out via Ally. Well, if I can find their routing number and I set it up.

Considering opening another large one just to get myself below the FDIC limit at Ally.

Their 49 month rate is nothing to write home about.

I forgot to ask about a beneficiary. It did not ask when I opened it.

If anyone knows how to add them and has the routing number, please advice.

If I end up calling, I will post it here.

No mention anywhere on the application regarding the complimentary space station group or whatever.
anonymous   |     |   Comment #51
Routing number is posted at the bottom of main web page.
RJM   |     |   Comment #52
The Credit Union's routing number (also known as a transit number or ABA number) is 25507783-3. It is the first set of numbers shown on your check.
Miju   |     |   Comment #54
That's gone
RJM   |     |   Comment #55
I just closed a very big 1.75% no penalty at ally and put in in this 11 month 2.25%.

I hope I don't regret it.

This will put me well below the limit again at Ally. But Ive got more CDs maturing in a month and 2 months and 5 months. I have WAY too much cash lying around for my age. 56.

I keep hoping for a big market correction and it just does not seem to be coming. My SO has come down some and I added a little there.

But by and large, Im just unwilling to invest a lot in stocks at current valuations.

Im even holding a couple that I might otherwise sell just because I want to defer taking the gain for as long as possible.
One of them, Im pushing the company to increase the dividend and I think they will. But it already yields 2% and they could go to 3-3.5% easy if they wanted. They probably just go up to 2.5-2.75%.
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Deal Summary: Share Certificate Specials – 49-month (2.40% APY), 15-month (1.95% APY), $5k minimum deposit, total deposit must include $5k of new money.

Availability: Easy Membership Requirement

It’s a new year and NASA Federal Credit Union (NASA FCU) increased the rates of its popular 49-months Share Certificate Special (2.40% APY) and 15-months Share Certificate Special (1.95% APY). Both Share Certificate Specials are offered as IRAs (Traditional and Roth) earning the same APY, with the same funding requirements. As is usual, NASA FCU highlights that these are...

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NASA FCU Offers 49-Month CD Special

Deal Summary: Share Certificate Specials – 49-month (2.25% APY) and 15-month (1.60% APY); $5k minimum deposit, new money.

Availability: Easy Membership Requirement

NASA Federal Credit Union (NASA FCU) began the month by raising the rates on its popular 49-month Share Certificate Special (2.25% APY) and 15-month Share Certificate Special (1.60% APY).

Both Share Certificate Specials are offered as IRAs (Traditional and Roth) earning the same APY, with the same funding requirements and same time limitations.

Both Specials require new money, but the wording in the fine print as to the...

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UPDATE 10/19/16: Extended through October 31, 2016.

Availability: Easy Membership Requirement

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The wording in the fine print regarding the new funds requirement is a bit vague:

CSR confirmed that whatever the amount of the opening deposit, $5k must be new funds, while the...

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Availability: Easy Membership Requirements

At the beginning of the year, I wrote about NASA Federal Credit Union (NASA FCU) competitive 49-month Share Certificate Special. At that time, the Certificate Special’s rate had just been increased to 2.30%, which placed it at the top of DA's CD Rates Summary. That rate lasted for about two months before it dropped to 2.00% APY.

Good news - as of yesterday, the 49-month Share Certificate Special (2.20% APY) is again the top 4-year nationally available CD in DA’s CD Rates Summary.

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NASA FCU Raises Rate On Competitive 49-Month CD Special
Availability: Easy membership

It’s been about a year since I wrote about NASA Federal Credit Union (NASA FCU). 2014 was a productive year for competitive CD rates at NASA FCU, but 2015 didn’t see many changes.

The first weekend of the new year has changed that, with an increase to the already competitive 49-month Share Certificate Special (2.30% APY), which has been the top-rated nationally available 4-Year CD on DA's CD Rates Summary for a year.

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