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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

257 Comments 170,754 Views
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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
201 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
533 Posts
33 Reputation
Citizen minimum deposit requirement is $25000.

256 Comments

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May 07, 2023 02:57 PM
279 Posts
Joined Nov 2017
AmiReallyFunnyMay 07, 2023 02:57 PM
279 Posts
Quote from DogAndPony :
Wouldn't trust Goldman. I'll keep laddering t-bills and maybe throw some money in a long term CD at some point. But stay away from GS.
They have half a trillion in managed assets. Why the trust issues?
May 07, 2023 02:58 PM
7,612 Posts
Joined Sep 2008
DogAndPonyMay 07, 2023 02:58 PM
7,612 Posts
Quote from AmiReallyFunny :
They have half a trillion in managed assets. Why the trust issues?
What about 2008? They were toast
May 07, 2023 03:04 PM
6,072 Posts
Joined Jan 2011
mrdizleMay 07, 2023 03:04 PM
6,072 Posts
Quote from AmiReallyFunny :
They have half a trillion in managed assets. Why the trust issues?
Goldman has a long history of trust issues.
Investment banks are all corrupt.
May 07, 2023 03:18 PM
229 Posts
Joined Oct 2008
ek9cuscoMay 07, 2023 03:18 PM
229 Posts
Quote from IndigoPlastic487 :
1 month T-Bills are going for 5.4% if you don't want to lock up your money for 9 months. Just saying.
Which Tbill? Can you let me know? The ones I see as new from treasury in fidelity are just over 5% slightly
May 07, 2023 03:30 PM
7,612 Posts
Joined Sep 2008
DogAndPonyMay 07, 2023 03:30 PM
7,612 Posts
Quote from ek9cusco :
Which Tbill? Can you let me know? The ones I see as new from treasury in fidelity are just over 5% slightly
New issues are a bit lower now. You can still buy on the secondary market for ~5.3% yield
May 07, 2023 03:37 PM
236 Posts
Joined Jul 2014
abillmannMay 07, 2023 03:37 PM
236 Posts
Quote from trooper1414 :
What's the risk here, as in is it similar to banks collapsing ?
https://www.cuna.org/advocacy/pri...sured.html
May 07, 2023 03:59 PM
577 Posts
Joined Nov 2009
bruce460460May 07, 2023 03:59 PM
577 Posts
Quote from Pga :
I just got 5.5% for 22 months instead....
Details please?

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May 07, 2023 05:00 PM
256 Posts
Joined May 2016
euuser7646271May 07, 2023 05:00 PM
256 Posts
Quote from Kevo99 :
And my savings account has 5% rate.
For how long? It could be 0.15 by next week. Good luck.
1
May 07, 2023 05:53 PM
73 Posts
Joined Jul 2017
404userMay 07, 2023 05:53 PM
73 Posts
Do they do a hard credit pull?
May 07, 2023 05:55 PM
8 Posts
Joined Jan 2019
leannew6199May 07, 2023 05:55 PM
8 Posts
How does it work if everything turns digital? We get interest bit com?🤨
May 07, 2023 06:02 PM
30 Posts
Joined Dec 2015
Max55May 07, 2023 06:02 PM
30 Posts
Can we buy one using trading account?
1
May 07, 2023 06:04 PM
378 Posts
Joined Nov 2010
jdmmemMay 07, 2023 06:04 PM
378 Posts

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

Quote from Hawaiiana :
Okay. How does someone do tBills every 4 weeks? The website is not noob friendly.
Go on Youtube and lookup "Diamond Nest Egg". Go into Jennifer's channel and look up T-Bills. She has several extremely informative videos on purchasing t-bills step-by-step through Fidelity and also explains how to set up a t-bill ladder. You can learn a ton from watching her videos. I think they're the best on YouTube. Good luck.
1
1
May 07, 2023 06:18 PM
722 Posts
Joined Mar 2008
dhonduMay 07, 2023 06:18 PM
722 Posts
Quote from Hawaiiana :
Iam thinking about this. Was it easy to transfer money from bank to bank? I am thinking of converting my Money market to CD.

Very easy
May 07, 2023 11:27 PM
371 Posts
Joined Dec 2016
RedC1537May 07, 2023 11:27 PM
371 Posts
Quote from leannew6199 :
How does it work if everything turns digital? We get interest bit com?🤨
if everything turns digital, you run the banks and do all your shopping/trading locally. yes, I've lived in China. You don't want that.

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May 07, 2023 11:30 PM
620 Posts
Joined Jan 2018
GhostNoteSymphoniesMay 07, 2023 11:30 PM
620 Posts
Is there a growth CD option with NASA?

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