Item 1 of 4
Item 1 of 4
frontpageaddictedsaver posted May 4, 2023 2:17 PM
& More ($10k minimum deposit)
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.
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.
- 9-Month Certificate 5.50% APY
- 15-Month Certificate 5.30% APY
- 49-Month Certificate 4.60% APY
- 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.
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.
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.
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.
- 9-Month Certificate 5.50% APY
- 15-Month Certificate 5.30% APY
- 49-Month Certificate 4.60% APY
- 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.
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.
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+97
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Top Comments
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
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256 Comments
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Why is 9 months APY (5.5%) greater than 15 months APY (5.3%)? How is this helpful?
Our community has rated this post as helpful. If you agree, why not thank nba2k18
Lol that's ironic- both are backed by the full faith and credit of the US government.
Jk, not trying to start a war.
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Why is 9 months APY (5.5%) greater than 15 months APY (5.3%)? How is this helpful?
https://www.cnbc.com/2019/08/14/t...money.html
Can you get the interest earned paid out monthly on this CD? Or is the money locked up the whole time?
I noticed some credit unions have this feature at a slightly lower rate. Many people can use the monthly funds to help with bills etc
Why is 9 months APY (5.5%) greater than 15 months APY (5.3%)? How is this helpful?
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
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
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Lol that's ironic- both are backed by the full faith and credit of the US government.
Join The Conversation
Share your experience with the Slickdeals community
Share information with the community. Please follow our Community Guidelines and be kind!