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.
Community Voting
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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https://www.cnbc.com/2019/08/14/t...money.html
I have another question:
Current APY shows 5.5% for 9 months.
What happens after maturity?
If I want to roll over my money to the next term, will it be same APY or will it vary (considering the interest rates changed after 9 months)?
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.
Good luck with that, please post to the crypto bank Certificate of Deposit thread next time. Oh wait, there isn't one...
On a side note, I think it's the crypto "famous for being famous" crap that is responsible for the bubble in the market overall, and it likely will bring down more banks to come. Hope to hell it could be contained in those godawful markets and exchanges but I fear the virus has spread...
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Good luck with that, please post to the crypto bank Certificate of Deposit thread next time. Oh wait, there isn't one...
On a side note, I think it's the crypto "famous for being famous" crap that is responsible for the bubble in the market overall, and it likely will bring down more banks to come. Hope to hell it could be contained in those godawful markets and exchanges but I fear the virus has spread...
I'm fortunate enough to have a good career, "normal investments", and a few other things going on.
If crypto were to disappear, I'd certainly be upset. Hell, I'm upset I didn't sell when BTC was nearly $70k. It is what it is.
I believe that in the long run, some form of crypto currency will replace the current standard. I don't know home many years or which coin.
edit:
In response to your comment about crypto being 'hackable,' it depends on which currency you are referring to. In addition, they technically aren't 'hacks.' Most of the time it was a compromised account (Sim swap, dictionary attack, prior password breach via another avenue (think FB posts)).
Some crypto did have holes, but they weren't 'hacks.' Mkre like leveraging the system, which has happened plenty of times in the history of the US (prior recessions, depressions)
Furthermore, and addressing your comment regarding your crypto being secured by the government or any other agency - thus is why crypto always beloved in "not your keys, not your coins." If everyone stored their coins in cold storage, there would be fewer thefts of crypto.
it isn't fair to a newbie, as they may not understand cold wallets. They just want to trade like a regular stock. That's part of the problem.
Eventually, the crypto community will have to devise a way to Keep it Simple. once they achieve that, it will further grow and perhaps be backed by the full faith and government of [insert here].
Without that happening (and it's certainly a lot), I believe crypto will stay in limbo and be considered a risky asset.
I wouldn't BUY any crypto currencies as it is a huge risk, especially at this point (or in the past 4 - 6 years, excusing the dump in 2020 when BTC was around 2.5k-3k).
Again, I was very lucky to get in early, when mining was reasonably profitable. If anyone reading this is interested in buying crypto, please do your own research and don't 'invest' more than you care to lose. Personally, I'd consider it a casino at this point, despite my belief that it has merits and will eventually become a trading platform where there is no need to convert to USD/CAD/etc
I'm fortunate enough to have a good career, "normal investments", and a few other things going on.
If crypto were to disappear, I'd certainly be upset. Hell, I'm upset I didn't sell when BTC was nearly $70k. It is what it is.
I believe that in the long run, some form of crypto currency will replace the current standard. I don't know home many years or which coin.
edit:
In response to your comment about crypto being 'hackable,' it depends on which currency you are referring to. In addition, they technically aren't 'hacks.' Most of the time it was a compromised account (Sim swap, dictionary attack, prior password breach via another avenue (think FB posts)).
Some crypto did have holes, but they weren't 'hacks.' Mkre like leveraging the system, which has happened plenty of times in the history of the US (prior recessions, depressions)
Furthermore, and addressing your comment regarding your crypto being secured by the government or any other agency - thus is why crypto always beloved in "not your keys, not your coins." If everyone stored their coins in cold storage, there would be fewer thefts of crypto.
it isn't fair to a newbie, as they may not understand cold wallets. They just want to trade like a regular stock. That's part of the problem.
Eventually, the crypto community will have to devise a way to Keep it Simple. once they achieve that, it will further grow and perhaps be backed by the full faith and government of [insert here].
Without that happening (and it's certainly a lot), I believe crypto will stay in limbo and be considered a risky asset.
I wouldn't BUY any crypto currencies as it is a huge risk, especially at this point (or in the past 4 - 6 years, excusing the dump in 2020 when BTC was around 2.5k-3k).
Again, I was very lucky to get in early, when mining was reasonably profitable. If anyone reading this is interested in buying crypto, please do your own research and don't 'invest' more than you care to lose. Personally, I'd consider it a casino at this point, despite my belief that it has merits and will eventually become a trading platform where there is no need to convert to USD/CAD/etc
Crypto Jeeniuses have wrecked us all
Why they come to troll a real bank finance thread for people trying to counteract their damage is beyond me. Well, they got nothing better to do praying for crypto revival I guess...
Crypto Jeeniuses have wrecked us all
Why they come to troll a real bank finance thread for people trying to counteract their damage is beyond me. Well, they got nothing better to do praying for crypto revival I guess...
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I have another question:
Current APY shows 5.5% for 9 months.
What happens after maturity?
If I want to roll over my money to the next term, will it be same APY or will it vary (considering the interest rates changed after 9 months)?
It's tough to predict. For example if it's 5.5% for 12 months and rates drop severely where after the 12 month maturity, all you have are 12 month CDs at 4%...then a 5% for 24 months may have been better if you consider the entire 24 months as a whole.
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