Find the latest NASA Federal Credit Union Bank CD Rates, Offers, and Promotions here.
Best CD Rates: 4.54% APY 9-Month, 4.34% APY 15-Month Terms, minimum $10k deposit of new money.
Availability: Nationwide
Credit Inquiry: Soft Pull
Update 12/2/24: Rates have decreased – however, still offers some competitive rates for longer terms.
About NASA Federal Credit Union
NASA Federal Credit Union’s core purpose is to empower people to achieve a brighter financial future and that the driving force that supports the success of our members. Their history started in 1949 when seven employees received approval for a credit union charter to begin serving employees of NASA. Today, the same great benefits of credit union membership that were once only available to the employees and families of those employed at NASA are now enjoyed by over 140,000 individuals.
NASA Federal Credit Union offers a vast array of products including CD options for all of your specific financial needs. From checking and savings account to loans and CDs, you are bound to find one that works for you.
You can fund your account via ACH, wire, or CO-OP shared branch transfer. They do participate in CO-OP Shared Branch.
| Eligibility: Complimentary membership is granted as long as you are a member of the National Space Society! If you are interested in other ways to join, check out their membership eligibility requirements on our NASA Federal Credit Union Membership Review to learn more. |
Easy Membership: Joining one of 14 affiliated associations also qualifies for credit union membership, but some of these associations have a fee to join, ranging from $20 to $50.
| Term | APY Rate | Minimum Deposit |
| 6-Month | 4.50% | $1,000 |
| 9-Month | 4.54% | $10,000 |
| 12-Month Add On | 4.20% | $250 |
| 12-Month | 4.30% | $1,000 |
| 15-Month | 4.34% | $10,000 |
| 24-Month Bump Rate | 4.00% | $1,000 |
| 24-Month | 4.10% | $1,000 |
| 36-Month | 4.00% | $1,000 |
| 36-Month Bump Rate | 3.90% | $1,000 |
| 48-Month | 3.95% | $1,000 |
| 49-Month | 4.09% | $10,000 |
| 60-Month | 3.85% | $1,000 |
*The above rates are accurate as of 12/2/2024*
NASA Federal Credit Union Rates
CDs are a certificate issued by a bank to a person depositing money for a specified length of time. Usually the longer of a term, the higher APY rate you make. The interest is compounded and credited monthly, which can be withdrawn without penalty.
With as little as $10,000, you can invest in a NASA Federal Credit Union CD account to maximize your earnings. Compare their offering now to find the solutions that fit best with your savings goals. If you’re interested in making a higher rate than a traditional savings account then make sure to check out below CD rates.
- Minimum deposit: $10,000
- Maximum deposit: None Listed
- Early withdrawal penalty:
- Loss of 182 days of dividends on the amount withdrawn for Certificates with terms up to 24 Months.
- Loss of 365 days of dividends on the amount withdrawn for Certificates with terms greater than 24 months.
(NCUA Insured)
| Alliant Credit Union 12-Month Certificate (4.05% APY) | Quontic Bank CD (Up to 4.25% APY) |
| Western Alliance Bank 3-Month CD (4.50% APY) | Western Alliance Bank 12-Month CD (4.25% APY) |
| Ponce Bank 3-Month CD (4.25% APY) | Blue Federal Credit Union 9-Month No Penalty CD (3.75% APY) |
| Sun Canyon Bank 11-Month CD (3.98% APY) | Ponce Bank 4-Month No-Penalty CD (4.15% APY) |
NASA Federal Credit Union CD Features
- Unlimited number of beneficiaries.
- Dividends compounded and credited monthly
- Competitive rates for all terms
- No monthly maintenance fee
- NCUA Insured up to $250,000
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Bottom Line
Whether you are interested in a short term or long term CD, look no further than NASA Federal Credit Union. Currently, they are offering you standard and special CD rates. All you need to do is to pick your CD term and watch your money grow. Once your funds are matured, the money can be distributed by check, wire, or transferred into an existing NASA Federal checking or savings account. You have a 10 calendar days grace period before automatic renewal.
Also, you can have peace of mind knowing that NASA Federal Credit Union is insured up to $250,000 by the NCUA. So sign up for a CD and the enjoy their high APY rates today. If you are not interested or eligible, than check out our full list of Best CD Rates here at HMB!
This is ideal for accounts like Certificate of Deposits, which require very little maintenance. The rates are worth a look, but always compare them with the nation’s best using our guides: CD Rates | Savings Rates.
This is a great opportunity to invest in a high-interest CD from NASA Federal Credit Union. However, you may want to compare them with our best CD Rates:
- 6-Month CD Rates
- 9-Month CD Rates
- 12-Month CD Rates
- 18-Month CD Rates
- 24-Month CD Rates
- 36-Month CD Rates
- 48-Month CD Rates
- 60-Month CD Rates
- No Penalty CD Rates
You might even find yourself earning more than a regular savings account. Be sure to apply as soon as you can to start your new account experience. Check back often for the latest NASA Federal Credit Union CD Rates!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
| Service Credit Union | 4.25% APY 9-Month CD | Review |
| Western Alliance Bank | 4.50% APY 3-Month CD | Review |
| Western Alliance Bank | 4.40% APY 6-Month CD | Review |
| First Tech Federal Credit Union | 4.35% APY 13-Month Share Certificate | Review |
| Sallie Mae | 4.35% APY 10-Month CD | Review |
| Western Alliance Bank | 4.25% APY 12-Month CD | Review |
| Ponce Bank | 4.25% APY 3-Month High Yield CD | Review |
| Sallie Mae | 4.25% APY 14-Month CD | Review |
| Ponce Bank | 4.15% APY 4-Month No-Penalty CD | Review |
| Live Oak Bank | 4.10% APY 12-Month CD | Review |
| Live Oak Bank | 4.10% APY 12-Month Business CD | Review |
| First Mid Bank & Trust | 4.08% APY 9-Month CD | Review |
| Alliant Credit Union | 4.05% APY 12-Month Certificate | Review |
| Discover Bank | Up to 4.00% APY CD | Review |
| Sun Canyon Bank | 3.87% APY 11-Month CD | Review |
| Western Alliance Bank | 3.85% APY 5-Month CD | Review |
| Quontic Bank | Up to 3.75% APY CD | Review |
| GreenState Credit Union | 3.65% APY 10-Month CD | Review |
| Blue Federal Credit Union | 3.55% APY 15-Month CD | Review |
| Blue Federal Credit Union | 3.50% APY 9-Month No Penalty CD | Review |
| CIT Bank | 3.50% APY 13-Month CD | Review |
| CIT Bank | 3.50% APY 11-Month No-Penalty CD | Review |
| Southwestern National Bank | 3.40% APY 8-Month CD | Review |
| Ponce Bank | 3.00% APY 1-Month High Yield CD | Review |
| CIT Bank | 3.00% APY 6-Month CD | Review |
| CIT Bank | 3.00% APY 18-Month CD | Review |
NASA Credit Union is great. They refunded all the interest accumulated on my CD’s in the last three years upon my request without penalty. They offer one of the best rates on CD in the nation. I like to see them adding more services such as paybills online and Zelle payment.
Opening an account online at NASA CU seems to be a pain. They repeatedly asked for a copy of my DL, which I sent twice. Finally, I got fed up and messaged them to cancel my application, which was the one request they immediately followed through on. You’ll probably have better luck if you can go to one of their branch in-person.
Stay away from NASA FCU..
In order to qualify their promotion, you need $10,000 of new money.. okay.. I am okay with this and have done so.
However, I wasn’t aware of the transfer restrictions to my own Chase account.. I had to get a hold of CS to learn the details. Once I setup the transfer, it got blocked again.. The ACH Department want to verify my identity even after I completed the transaction with Customer Service. ACH was telling this is standard policy that I called her BS.
As a rate chaser, I have never heard of this transfer policy from anywhere else.
Good luck if you ever need to use your money.
Here are Transfer Restrictions
Only $10,000 per day with $30,000 max per month
or
Wire Transfer – no limit – $15 fee
I’ve been a member of NASA FCU for a couple of years now and all in all I can say that I am happy with their service and rates. Most credit unions nowadays are using higher standards of security and it is beneficial to their members in the long run.
I got mine setup, just fine. Looks like Credit Unions are no longer doing Shared Branch stuff anymore.
Good luck actually getting a new CD set up with NASA if you’re not able to walk into one of their branches to open it. They’ll ask for photocopies of your Driver’s License and Social Security card and then scans of a utility bill or something similar to prove your identity. And then… they’ll try and run a full “hard pull” credit check on you all just for the privilege of you investing money with them! Completely ridiculous hoops to jump through just to open a CD. These guys must have had some serious fraud related issues in the past to have these types of protocols in place now.