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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Deal Score
+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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Jk, not trying to start a war.
Again, I did not mean to start any problems; just saw an opportunity to make a joke. I hope you're okay and I didn't offend you.
That being said it doesn't seem like the rates will drop by much in 1 month.
And fwiw T bills aren't insured, but CDs are.
Lol, if the US Gov't defaults on paying back its T Bills, I'm pretty sure they wouldn't have enough money to ensure payment for the CDs/FDIC either.
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Last I checked Fidelity is offering some 6, 9, 12, month non-callable CDs @ 5.15% right now. Thinking about throwing a good chunk of change at 3-4 laddered CDs at this rate. What does everyone think, are we at/near the peak? Was the most recent Fed hike already baked in?
There are many which will give you same or better returns or even some ETFs like JEPI .
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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Share your experience with the Slickdeals community
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