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frontpage Posted by Value-not-cheap • Sep 9, 2022
frontpage Posted by Value-not-cheap • Sep 9, 2022

NASA Federal Credit Union Members: High Yield Certificates: 15-Mo 3.75% APY, 9-Mo

& More ($10k minimum deposit)

3.55% APY

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Deal Details
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:
  1. Login to eBranch and click the eBranch Certificate Banner on the right-hand side.
  2. Select "New Certificate Account," then choose your 9-, 15-, or 49-month Certificate.
  3. 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.

Editor's Notes

Written by StrawMan86 | Staff
  • About this deal:
    • All APYs current as of September 1, 2022. Comparison rates are sourced from FDIC.gov.
    • A minimum $10,000 in new funds required and must be brought from an external source. Early withdrawal penalties apply and may reduce earnings. Credit Union reserves the right to limit deposits into this special Certificate.
    • This limited-time offer is subject to change at any time without notice.
    • Special 9-month Certificate renews automatically to a standard 6-month term at the rate in effect at the time of renewal unless instructed otherwise.
    • Special 15-month Certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless instructed otherwise.
    • Special 49-month Certificate renews automatically to a standard 48-month term at the rate in effect at the time of renewal unless instructed otherwise.
  • About this Credit Union:
    • NASA Federal Credit Union is federally insured by the NCUA. More info here.
  • Please refer to the forum thread for additional details & discussion. -StrawMan86

Original Post

Written by Value-not-cheap
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
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:
  1. Login to eBranch and click the eBranch Certificate Banner on the right-hand side.
  2. Select "New Certificate Account," then choose your 9-, 15-, or 49-month Certificate.
  3. 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.

Editor's Notes

Written by StrawMan86 | Staff
  • About this deal:
    • All APYs current as of September 1, 2022. Comparison rates are sourced from FDIC.gov.
    • A minimum $10,000 in new funds required and must be brought from an external source. Early withdrawal penalties apply and may reduce earnings. Credit Union reserves the right to limit deposits into this special Certificate.
    • This limited-time offer is subject to change at any time without notice.
    • Special 9-month Certificate renews automatically to a standard 6-month term at the rate in effect at the time of renewal unless instructed otherwise.
    • Special 15-month Certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless instructed otherwise.
    • Special 49-month Certificate renews automatically to a standard 48-month term at the rate in effect at the time of renewal unless instructed otherwise.
  • About this Credit Union:
    • NASA Federal Credit Union is federally insured by the NCUA. More info here.
  • Please refer to the forum thread for additional details & discussion. -StrawMan86

Original Post

Written by Value-not-cheap

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Top Comments

Not bad for short term.


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
Sun East [suneast.org]Fed Credit Union also has very promotion @ 4% on 9-month CD. Anyone can join Sun East by making a $10 donation to the Sun East Charitable Foundation.
They also offer 4.00% for a 6-month CD as well.

331 Comments

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Sep 11, 2022
1,531 Posts
Joined Aug 2006
Sep 11, 2022
maxim730
Sep 11, 2022
1,531 Posts
Quote from thedowg2 :
1 year T-Bill is 3.62%
max is 10K tho
1
2
Sep 11, 2022
15,688 Posts
Joined Nov 2010
Sep 11, 2022
80is
Sep 11, 2022
15,688 Posts
as Feds jack up the interest expect banks to at some point jack up interest on Savings and CD . . . at some point they will all need more $$$

this may look alike a great deal now but I would hesitate to lock into anything over a year.
Sep 11, 2022
15,688 Posts
Joined Nov 2010
Sep 11, 2022
80is
Sep 11, 2022
15,688 Posts
Quote from Justin1983 :
Seems odd to me. I either have the money to give you or not.. what's a credit score have to do with it?
data collection on you, selling the data for profit.
Sep 11, 2022
351 Posts
Joined Nov 2018
Sep 11, 2022
dealonlooker
Sep 11, 2022
351 Posts
Quote from maxim730 :
max is 10K tho
Who said so ? Are you confusing ibonds with tbill?
Sep 11, 2022
2,242 Posts
Joined Sep 2006
Sep 11, 2022
robertw477
Sep 11, 2022
2,242 Posts
Quote from surge :
Actually most hard pulls are on your credit report for 2 years, but the impact does lower over time.
Don't worry about hard pulls. Means nothing really. The majority of people I find do t understand credit or credit scores and worry over nothing.
Sep 11, 2022
3,300 Posts
Joined Nov 2010
Sep 11, 2022
bchill
Sep 11, 2022
3,300 Posts
Quote from thedowg2 :
1 year T-Bill is 3.62%
Just getting ready to post this. Also exempt from any state taxes. Repped.
Sep 11, 2022
2,242 Posts
Joined Sep 2006
Sep 11, 2022
robertw477
Sep 11, 2022
2,242 Posts
Quote from kurzer1r :
10k minimum deposit? Someone doing well at this bad times
If you put in your 500 bucks that you want you make under 20.00 interest in a year.

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Sep 11, 2022
752 Posts
Joined Dec 2019
Sep 11, 2022
1000GisaKey
Sep 11, 2022
752 Posts
Quote from publicpersona :
Apparently, Schwab has stopped doing hard pulls since the time I opened my checking account with them. But the practice of an unexpected hard pull when opening a demand deposit account is still around elsewere. See Is Opening A Bank Account A Soft Or Hard Pull? - Doctor Of Credit [doctorofcredit.com] for more discussion. Again, we all know there shouldn't be a hard pull if there is no application for credit of any sort. That's why people are pointing it out where it happens.Some seem to think this is because people are forgetting to opt out of overdraft protection but some datapoints suggest this isn't the case.
Yeah I'm struggling with these people on those links shared (ty for sharing btw) who claim a hard pull solely on DDA origination w/o odp (loc/CCA), if anything its people getting soft and hard pulls confused or they're not unchecking the odp tag on when it's credit odp.
Sep 11, 2022
2,242 Posts
Joined Sep 2006
Sep 11, 2022
robertw477
Sep 11, 2022
2,242 Posts
Quote from mlandau33 :
T-bills are fine. They are free from state and local income tax. Additionally, you can hold a large amount without running into FDIC insurance limits.
Worrying about FDIC? In the banking crisis not one dime was paid by the FDIC BTW.
2
Sep 11, 2022
2,242 Posts
Joined Sep 2006
Sep 11, 2022
robertw477
Sep 11, 2022
2,242 Posts
Quote from Cheapskate27 :
An alternative to consider…

US Treasury I-bonds pay over 9%. You can withdraw after 1 year for a penalty of the most recent 3 months of interest. Unless you do a long term CD like 49 months and are ok with this rate for 4+ years, I bonds are definitely better. Maybe even better than a long term CD, if inflation doesn't go away within a year. And the early withdrawal penalty is pretty reasonable with I bonds.
There has been more Interest in I bonds now via the past 15 years combined. Limited to 10k. Do t be so excited about that 9 rate it won't last long.
1
Sep 11, 2022
2,242 Posts
Joined Sep 2006
Sep 11, 2022
robertw477
Sep 11, 2022
2,242 Posts
Quote from publicpersona :
That is true in theory. A hard pull should mean you've applied for credit. However, some financial institutions such as NASA CU (apparently per this thread) and Schwab do a hard pull when you open a deposit account, sometimes blamed on 'know your customer" or overdraft protection that you didn't ask for. Again, they shouldn't. That's why it is noteworthy.
Boycott them . It doesn't matter . They are looking for scammers or a customer who is trouble.
Sep 11, 2022
3,300 Posts
Joined Nov 2010
Sep 11, 2022
bchill
Sep 11, 2022
3,300 Posts
Quote from Slickdeezee :
You can do it with any stock broker? What's the symbol? Thanks.
Each broker does it a little different. I use E Trade and you go under Trading and then choose Bonds and CD's. While on this topic, brokered CD's are as good as this post and are usually better than non brokered CD's when rates are going up. The T-Bills are the way to go for now unless you have not done the I bonds yet.
Sep 11, 2022
2,242 Posts
Joined Sep 2006
Sep 11, 2022
robertw477
Sep 11, 2022
2,242 Posts
Quote from 80is :
or you can buy bitcoin at get like 100000%

the young generation is learning same lesson the .com generation learned the hard way . . .
Definitely. And they tell you it's the future and such nonsense, they are all in. When the crashes occur they will be crying. All greed.
Sep 11, 2022
3,300 Posts
Joined Nov 2010
Sep 11, 2022
bchill
Sep 11, 2022
3,300 Posts
Quote from maxim730 :
max is 10K tho
T Bill does not have the max like I bond. You are getting mixed up.

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Sep 11, 2022
3,300 Posts
Joined Nov 2010
Sep 11, 2022
bchill
Sep 11, 2022
3,300 Posts
Thumbs down due to hard pull and other options as good or better.

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