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frontpageaddictedsaver posted May 04, 2023 02:17 PM
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frontpageaddictedsaver posted May 04, 2023 02:17 PM

NASA Federal Credit Union Members: High Yield Certificates: 15-Mo 5.30% APY, 9-Mo

& More ($10k minimum deposit)

5.50% 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 addictedsaver for sharing 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 5.50% APY
  • 15-Month Certificate 5.30% APY
  • 49-Month Certificate 4.60% 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 SaltyOne | Staff
  • About this deal:
    • All APYs current as of May 1, 2023. Comparison rates are sourced from FDIC.gov.
    • A minimum of $10,000 of new funds brought from an external source required to open all special certificates. 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 49-month Certificate renews automatically to a standard 48-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 9-month Certificate renews automatically to a standard 6-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.
  • Compare this rate to other CDs in the market.

Original Post

Written by addictedsaver
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 addictedsaver for sharing 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 5.50% APY
  • 15-Month Certificate 5.30% APY
  • 49-Month Certificate 4.60% 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 SaltyOne | Staff
  • About this deal:
    • All APYs current as of May 1, 2023. Comparison rates are sourced from FDIC.gov.
    • A minimum of $10,000 of new funds brought from an external source required to open all special certificates. 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 49-month Certificate renews automatically to a standard 48-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 9-month Certificate renews automatically to a standard 6-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.
  • Compare this rate to other CDs in the market.

Original Post

Written by addictedsaver

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Top Comments

Commodities1
200 Posts
168 Reputation
If you have an account with NASA FCU, this is a great deal. However, if you need to open an account and transfer cash in and then transfer cash out - well maybe there are better alternatives.

1. Zero Coupon (3 mo) T-bills are yielding 5.2% (Cusip: 912796XY0). You can ladder these and get up to the 9 mos if you want. The extra 0.3% at NASA (assume $10k deposit) is worth $22.

2. Munis - I am seeing Munis (around 9 mos expiration) yielding 4% - these are tax exempt, so 4% / (1-your tax rate) to get after tax yield. These 4% therefore are close to 6%, but there is some risk in munis.

3. Is it worth it - so for each 0.5% increase in yield on a CD (assume you deposit $10k), you get an extra $37. If your bank has a 5% CD and you go through the hassle (I am assuming it is a hassle) to open a new account to get the 5.5%, is the extra $37 worth it to you. That is the real qs.

Just my $0.02. Peace
imnotminkus
715 Posts
176 Reputation
Credit Unions are insured by NCUA [wikipedia.org], the credit union version of the FDIC. And NASA FCU is NCUA insured: https://www.nasafcu.com/about-us
Hope4Best
519 Posts
29 Reputation
Citizen minimum deposit requirement is $25000.

256 Comments

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May 05, 2023 07:40 AM
9,271 Posts
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May 05, 2023 07:40 AM
texstMay 05, 2023 07:40 AM
9,271 Posts
Is this the best rate around?
1
Global Mod
May 05, 2023 10:35 AM
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Joined May 2008
May 05, 2023 10:35 AM
pur
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May 05, 2023 10:35 AM
2,485 Posts

Our community has rated this post as helpful. If you agree, why not thank pur

Quote from texst :
Is this the best rate around?
Looks like it's pretty much the top rate at the moment, along with Northern Bank Direct
2
1
May 05, 2023 01:22 PM
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May 05, 2023 01:22 PM
imnotminkusMay 05, 2023 01:22 PM
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I did this about 1.5 years ago. NASA FCU has "shared branches" with lots of other credit unions where you can make deposits/withdrawals, and also use shared ATMs just like they were NASA FCU branches/ATMs.

https://www.nasafcu.com/branches-...d-branches

Their map to search for them is funky and doesn't show results until you zoom in far enough.
1
1
May 05, 2023 03:48 PM
1,389 Posts
Joined Jan 2015
May 05, 2023 03:48 PM
Deal_Hunter_XMay 05, 2023 03:48 PM
1,389 Posts
Quote from pur :
Looks like it's pretty much the top rate at the moment, along with Northern Bank Direct
So as Citizens Bank, 5.5% APY 10mo.
1
May 05, 2023 06:42 PM
1,110 Posts
Joined Apr 2014
May 05, 2023 06:42 PM
wwphilMay 05, 2023 06:42 PM
1,110 Posts
are they insured by FDIC? i don't see that on their website.
1
7
May 05, 2023 07:21 PM
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May 05, 2023 07:21 PM
imnotminkusMay 05, 2023 07:21 PM
715 Posts

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Quote from wwphil :
are they insured by FDIC? i don't see that on their website.
Credit Unions are insured by NCUA [wikipedia.org], the credit union version of the FDIC. And NASA FCU is NCUA insured: https://www.nasafcu.com/about-us
9
May 05, 2023 07:25 PM
715 Posts
Joined Nov 2009
May 05, 2023 07:25 PM
imnotminkusMay 05, 2023 07:25 PM
715 Posts
Quote from Deal_Hunter_X :
So as Citizens Bank, 5.5% APY 10mo.
Link to this offer? I don't see it.
1

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May 05, 2023 07:39 PM
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Joined Jan 2015
May 05, 2023 07:39 PM
Deal_Hunter_XMay 05, 2023 07:39 PM
1,389 Posts
Quote from imnotminkus :
Link to this offer? I don't see it.
See attached.
2
May 05, 2023 09:19 PM
62 Posts
Joined Sep 2018
May 05, 2023 09:19 PM
Adinel-RobertNMay 05, 2023 09:19 PM
62 Posts
Quote from Deal_Hunter_X :
See attached.
Branch only
1
May 05, 2023 11:16 PM
1,467 Posts
Joined Jun 2021
May 05, 2023 11:16 PM
HawaiianaMay 05, 2023 11:16 PM
1,467 Posts
Quote from Deal_Hunter_X :
So as Citizens Bank, 5.5% APY 10mo.
i cant find this one. can u give the link?
1
May 06, 2023 06:19 AM
169 Posts
Joined Dec 2015
May 06, 2023 06:19 AM
NightHawk55May 06, 2023 06:19 AM
169 Posts
Callable?
2
May 06, 2023 07:44 AM
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May 06, 2023 07:44 AM
Hope4BestMay 06, 2023 07:44 AM
519 Posts

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Quote from Deal_Hunter_X :
So as Citizens Bank, 5.5% APY 10mo.
Citizen minimum deposit requirement is $25000.
7
1
May 06, 2023 08:01 AM
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May 06, 2023 08:01 AM
K819May 06, 2023 08:01 AM
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Required hard pull for opening the account
2
2
May 06, 2023 08:12 AM
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May 06, 2023 08:12 AM
IndigoPlastic487May 06, 2023 08:12 AM
103 Posts

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1 month T-Bills are going for 5.4% if you don't want to lock up your money for 9 months. Just saying.
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May 06, 2023 08:14 AM
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May 06, 2023 08:14 AM
trooper1414May 06, 2023 08:14 AM
2,575 Posts
What's the risk here, as in is it similar to banks collapsing ?
5

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