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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 170,706 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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Jun 21, 2023 05:14 PM
715 Posts
Joined Nov 2009
imnotminkusJun 21, 2023 05:14 PM
715 Posts
Quote from Hubbs1 :
Been working through the account setup process now going on the 4th business day and I've been very prompt with submitting the necessary documents. Comparing that to my most recent CD with Savebetter there's no comparison, Savebetter was amazing and this is slow with some pain. I've gone this far so I'll stick with it but if I had to do again its not worth a slightly higher rate.
Thank you for the SaveBetter mention! (apparently they're now called Raisin.) They have some pretty good rates, but that led me to look into other CD brokers to allow for less moving money around, and I found that Vanguard (and probably Fidelity and Schwab) broker CDs with good rates too. So those are other decent options.
Jun 22, 2023 05:22 AM
1,839 Posts
Joined Sep 2006
addtd2sdJun 22, 2023 05:22 AM
1,839 Posts
Quote from Hubbs1 :
Been working through the account setup process now going on the 4th business day and I've been very prompt with submitting the necessary documents. Comparing that to my most recent CD with Savebetter there's no comparison, Savebetter was amazing and this is slow with some pain. I've gone this far so I'll stick with it but if I had to do again its not worth a slightly higher rate.
+1 I tried to open the account last week and uploaded all the required documents and it's complete silence from their side.
Jun 23, 2023 08:41 PM
1,707 Posts
Joined Feb 2007
dcs693Jun 23, 2023 08:41 PM
1,707 Posts
Quote from addtd2sd :
+1 I tried to open the account last week and uploaded all the required documents and it's complete silence from their side.
Not unusual. I think it was 1.5 weeks before I heard back.
Jun 25, 2023 07:12 AM
244 Posts
Joined Jan 2006
HDP_Jun 25, 2023 07:12 AM
244 Posts
Quote from Blade107 :
Is WF = Wells Fargo?

Could you expand more about this product? What about the referral.. If Wells Fargo would that be easier if i bank with them already?

oops I see reading back it ain't Wells Fargo bank.

Anyone knows if Wells Fargo has good options on CDS?

Thanks!
WF = Wealthfront. Check out www.wealthfront.com [wealthfront.com]. It's an online-only banking that offers great high saving rate right now. Mine is at 5.05% APY.
Jul 08, 2023 11:27 PM
1,706 Posts
Joined Dec 2011
DilberticJul 08, 2023 11:27 PM
1,706 Posts
It took about 2 weeks for them to approve my application ? I saw others said the same thing which is a bit scary. Has anyone used this bank before and have feedback how hard it is to deal with them ?

TY
Jul 14, 2023 01:54 PM
1,706 Posts
Joined Dec 2011
DilberticJul 14, 2023 01:54 PM
1,706 Posts
Just a FYI for Nasa FCU, it took them almost 3 weeks to open my account, the website is outdated and slow and thinks your logged out most of the time. After verifying my external bank account, I tried to transfer in funds like you would at all the banks and it says, you can only transfer 0 to 500.00 from a external bank.

I called CS and it hung on me, tried online chat and it says it's best to use iOS.. WTH, so really not worth all the trouble, really hate to see how hard it is to get your money back out..
Jul 16, 2023 10:23 PM
849 Posts
Joined Mar 2005
digital330Jul 16, 2023 10:23 PM
849 Posts
Please help on steps to needed to fund the CD. My account is open, not sure what next steps are to get money into CD.

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Jul 16, 2023 10:31 PM
3,668 Posts
Joined Aug 2004
CyberGuyJul 16, 2023 10:31 PM
3,668 Posts
Quote from digital330 :
Please help on steps to needed to fund the CD. My account is open, not sure what next steps are to get money into CD.
After you've logged into NASA, go here [nasafcu.com] and click "EPN form". Make note of your EPN (account) number and routing number. Then arrange an ACH transfer from your external bank while providing those numbers to them. That will move the money into your NASA savings. Finally move the money to your CD which I think requires you to call NASA. I'm not sure if you can do the final part through their website.
Last edited by CyberGuy July 16, 2023 at 04:35 PM.
Jul 20, 2023 07:29 PM
2,113 Posts
Joined Jul 2008
screenshotJul 20, 2023 07:29 PM
2,113 Posts
I applied for new NASA membership account on last Thursday (7/13) and my application is still under review after a week. Is this what everyone here experiencing?
Jul 20, 2023 07:31 PM
2,113 Posts
Joined Jul 2008
screenshotJul 20, 2023 07:31 PM
2,113 Posts
Quote from Dilbertic :
Just a FYI for Nasa FCU, it took them almost 3 weeks to open my account, the website is outdated and slow and thinks your logged out most of the time. After verifying my external bank account, I tried to transfer in funds like you would at all the banks and it says, you can only transfer 0 to 500.00 from a external bank.

I called CS and it hung on me, tried online chat and it says it's best to use iOS.. WTH, so really not worth all the trouble, really hate to see how hard it is to get your money back out..
Wow...Its been a week since I applied and still waiting to open my account. Looks like I will park my money elsewhere.
Jul 25, 2023 11:26 PM
123 Posts
Joined Mar 2014
moavJul 25, 2023 11:26 PM
123 Posts
NASAFCU does not mean federal credit union FCU means exactly what you think it means...the gal on the phone said, "you are trying to circumvent the system...we actually want to cater to folks who work or live near a NASA facility...ok I understand...so I went to my local credit union instead not as good only 5.25% but it took 90 seconds.
Jul 25, 2023 11:53 PM
199 Posts
Joined Sep 2013
GottaLoveItttJul 25, 2023 11:53 PM
199 Posts
Quote from CyberGuy :
After you've logged into NASA, go here [nasafcu.com] and click "EPN form". Make note of your EPN (account) number and routing number. Then arrange an ACH transfer from your external bank while providing those numbers to them. That will move the money into your NASA savings. Finally move the money to your CD which I think requires you to call NASA. I'm not sure if you can do the final part through their website.
If you create a new CD account, part of the creation process will allow you to transfer from your savings account.
Jul 25, 2023 11:55 PM
199 Posts
Joined Sep 2013
GottaLoveItttJul 25, 2023 11:55 PM
199 Posts
Quote from screenshot :
Wow...Its been a week since I applied and still waiting to open my account. Looks like I will park my money elsewhere.
I called the CS a couple times and they opened it on the 7th business day (i.e., 9th day).
Jul 27, 2023 12:45 PM
840 Posts
Joined Jun 2012
samwathegreatJul 27, 2023 12:45 PM
840 Posts
With the latest fed rate hike, do we expect yields to increase further on CDs?

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Jul 27, 2023 06:45 PM
6 Posts
Joined Oct 2021
pakkanaJul 27, 2023 06:45 PM
6 Posts
Can we trust this Bank ?
Any suggestions
1

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