NASA Federal Credit Union is offering for their
Members: High Yield Certificates of Deposit as listed below with
minimum $10,000 deposit.
Thanks to Community Member
Value-not-cheap for posting this deal.
Note: You must be a NASA Federal Credit Union member to participate in this deal. Click
here for membership info and
here for membership application. See Deal Editor's Notes for additional terms & conditions.
Available:
- 9-Month Certificate 3.55% APY
- 15-Month Certificate 3.75% APY
- 49-Month Certificate 3.85% APY
Deal Instructions:
- Login to eBranch and click the eBranch Certificate Banner on the right-hand side.
- Select "New Certificate Account," then choose your 9-, 15-, or 49-month Certificate.
- Select the Account you'd like to transfer funds from along with the amount.
- The minimum deposit for high-yield certificates is $10,000 and funds must be available in an eligible NASA Federal deposit account at time of opening.
- There are multiple ways to deposit funds including ACH, Wire Transfers, or Mailing a Check.
Top Comments
Who is Eligible?
Not a NASA Employee? See if you're eligible! You can join NASA Federal in many ways:
If you are an employee or retiree of NASA Headquarters, any NASA Center or Facility, or National Academy of Sciences (NAS)
If you are an employee or member of the 900 NASA Federal Credit Union partner companies or associations
If you are a relative or household member of a current NASA Federal Credit Union Member
If none of the above apply to you – we will provide a complimentary one-year affiliated membership to the National Space Society (NSS) which entitles you to full NASA Federal membership benefits
331 Comments
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The discussion is about gifting I-bonds to a spouse and the limits (10k) of each gift. There is no limit to the number of 10k amounts that can be gifted, there is just a limit to the amount (10k) that can be cashed out each year, by each person.
So, I can do this today:
Me: Buy 10k
Wife: Buy 10k
Me: Gift Wife 10k
Wife: Gift Me 10k
Me: Gift Wife another 10k
Wife: Gift me another 10k
On 9/11/2023, we can both cash out the first ones we bought for each other (losing last three months of interest)
On 1/1/2024, we can both cash out the ones that were gifted (losing last three months of interest)
On 1/1/2025, we can both cash out the last ones that were gifted (losing last three months of interest)
Rinse/Repeat for as many years out as you want (at risk of much lower future rates). Push back cash out dates to five years for each scenario to not lose last three months of interest.
https://www.treasurydir
How much in I bonds can I buy for myself?
In a calendar year, you can acquire:
up to $10,000 in electronic I bonds in TreasuryDirect
up to $5,000 in paper I bonds using your federal income tax refund
Three points:
The limits apply separately, meaning you could acquire up to $15,000 in I bonds in a calendar year
Bonds you buy for yourself and bonds you receive as gifts or via transfers count toward the limit. Two exceptions:
If a bond is transferred to you due to the death of the original owner, the amount doesn't count toward your limit
If you own a paper bond issued before 2008, you can convert it to an electronic bond in your account in TreasuryDirect regardless of the amount of the bond. (The annual limit before 2008 was greater than today's limit of $10,000.)
The limits are applied per Social Security Number of the first person named as owner of a bond or, for an entity, per Employer Identification Number
https://www.treasurydir
How much in I bonds can I buy for myself?
In a calendar year, you can acquire:
up to $10,000 in electronic I bonds in TreasuryDirect
up to $5,000 in paper I bonds using your federal income tax refund
Three points:
The limits apply separately, meaning you could acquire up to $15,000 in I bonds in a calendar year
Bonds you buy for yourself and bonds you receive as gifts or via transfers count toward the limit. Two exceptions:
If a bond is transferred to you due to the death of the original owner, the amount doesn't count toward your limit
If you own a paper bond issued before 2008, you can convert it to an electronic bond in your account in TreasuryDirect regardless of the amount of the bond. (The annual limit before 2008 was greater than today's limit of $10,000.)
The limits are applied per Social Security Number of the first person named as owner of a bond or, for an entity, per Employer Identification Number
https://www.treasurydir
How much in I bonds can I buy for myself?
In a calendar year, you can acquire:
up to $10,000 in electronic I bonds in TreasuryDirect
up to $5,000 in paper I bonds using your federal income tax refund
Three points:
The limits apply separately, meaning you could acquire up to $15,000 in I bonds in a calendar year
Bonds you buy for yourself and bonds you receive as gifts or via transfers count toward the limit. Two exceptions:
If a bond is transferred to you due to the death of the original owner, the amount doesn't count toward your limit
If you own a paper bond issued before 2008, you can convert it to an electronic bond in your account in TreasuryDirect regardless of the amount of the bond. (The annual limit before 2008 was greater than today's limit of $10,000.)
The limits are applied per Social Security Number of the first person named as owner of a bond or, for an entity, per Employer Identification Number
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