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NASA Federal Credit Union: 9-Month High Yield Certificate of Deposit Account (CD)

5.50% APY
($10,000 min. deposit) & More
+51 Deal Score
87,448 Views
NASA Federal Credit Union is offering 9-Month High Yield Certificate of Deposit Account (CD) at 5.50% APY with $10,000 minimum deposit.Thanks to community member Hubbs1 for finding this deal.

Also Available:
  • 49-Month High Yield Certificate of Deposit Account (CD) at 4.55% APY with $10,000 minimum deposit
  • 15-Month High Yield Certificate of Deposit Account (CD) at 5.40% APY with $10,000 minimum deposit
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Edited April 28, 2024 at 05:05 PM by
NASA Federal Credit Union is offering 9 month CD's at 5.40% APY and 15 month CD's at 5.25% APY. You need to be a member but it is free to become one. I've done a few CD's with them in the last year with no issues, easy sign up and funding.

https://nasafcu.com/stellaryields
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Created 04-28-2024 at 04:41 PM by Hubbs1
in Financial Tools & Services (5)
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5.50% APY
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My application spent 3 weeks "in review" before I told them to close my application. Good luck to those taking a chance.
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"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"
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Agreed, Robinhood isn't great IMO. Schwab's money market fund pays 5.25% currently, been stable at or above 5% for a long time now. No monthly fee, no minimum balance. EXCELLENT customer support. Easy to transfer $ to/from your reguar bank. Fairly easy to sign up (though Robinhood is admittedly slightly easier). You put money in by buying $1 shares of SWVXX thru a trading account. Interest is paid monthly, but you get a prorated amount if you invest for part of a month. Great place to park some cash without commitment, and interest rates aren't going to move much until end of this year at the earliest. Fidelity is another good option. $USFR (recommended by rkster09 in a previous comment) is another great option. Regardless of which trading platform, you'll have lots of good options, better than signing up for a credit union that might not accept your application.

Also, you can buy CDs from ANY bank thru Schwab, Fidelity, etc, if you really want to do a CD. You get to pick the bank (or more than one) with the best rate without signing up for an account with that bank.

On this deal, my two cents: the commitment of buying a CD for a 9+ month term at the minimum they're asking for here isn't worth the extra 0.15%, unless you're CERTAIN you can't do anything better with the $ for 9+ months.
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Joined Oct 2010
xyz pdq
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johnny_come_lately
05-03-2024 at 01:00 AM.

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

05-03-2024 at 01:00 AM.
who needs to lock in $$ for a term when can easily get similar return at vanguard money market, last time a while back was 5.28% and can withdraw anytime .....
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Joined Oct 2010
xyz pdq
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johnny_come_lately
05-03-2024 at 01:02 AM.
05-03-2024 at 01:02 AM.
Quote from rkster09 :
Just do a Robinhood Gold account for 5.25%.
No CD required.

dumb. Robinhood is shady a f. never use trash, remember the problem when site crashed..... c'mon man. vanguard is 1000x better
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Joined Dec 2005
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_DonkeyKong_
05-03-2024 at 01:13 AM.
05-03-2024 at 01:13 AM.
Are there T-bills or bonds that will pay more expected to come out this year?
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demn
05-03-2024 at 02:00 AM.
05-03-2024 at 02:00 AM.
Quote from rkster09 :
Just do a Robinhood Gold account for 5.25%.
No CD required.
Robinhood gold is 5.0% not 5.25%. This is 0.4% higher.

If your initial reaction is, "oh, well it WAS 5.25 last month," then now you have experienced how requiring a CD contract with a promised longterm rate can be useful.
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Last edited by demn May 3, 2024 at 02:04 AM.
Joined Jul 2013
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northernraider
05-03-2024 at 03:36 AM.
05-03-2024 at 03:36 AM.
How much do I need to deposit to have enough for a space craft once it matures?
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HIDDENdamoochie05-03-2024 at 04:16 AM.
Joined Jun 2017
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thedowg2
05-03-2024 at 04:56 AM.

Our community has rated this post as helpful. If you agree, why not thank thedowg2

05-03-2024 at 04:56 AM.
Government Treasuries are currently paying ~5.3% interest for 1-month to 6-month durations. That's a higher rate than most CDs, and you don't pay State Income Tax on government treasuries.

You can see recent rates on TreasuryDirect.gov by going to https://www.treasurydirect.gov/au...a-results/

To buy them on TreasuryDirect, first log in, then go to BuyDirect, then choose Bills (1 year or less).
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thedowg2
05-03-2024 at 04:57 AM.
05-03-2024 at 04:57 AM.
Quote from damoochie :
I'll leave this here. Worthy Bonds. $10 each. No minimum. 7% APR until at least Jan 1, 2026, compounded daily. Sell them back any time. https://worthy.capital/
Too good to be true. Not going anywhere near this. When you click the 'Learn More' button on their site, you get essentially no information... including NO indication that they are FDIC insured.

Stay away!
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loudmouth
05-03-2024 at 05:10 AM.
05-03-2024 at 05:10 AM.
Quote from thedowg2 :
Too good to be true. Not going anywhere near this. When you click the 'Learn More' button on their site, you get essentially no information... including NO indication that they are FDIC insured.

Stay away!

Ditto. Dont put money in this. Buy them and sell them back at anytime? Really? Gtfo. They can only buy then back if they have funds to do so. Stay away.
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koge811
05-03-2024 at 05:38 AM.
05-03-2024 at 05:38 AM.
Do one month cds
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BrianX
05-03-2024 at 05:57 AM.
05-03-2024 at 05:57 AM.
Quote from itsssmeee :
My application spent 3 weeks "in review" before I told them to close my application. Good luck to those taking a chance.

mine opened fine after short review. Please remember when NASA FCU hits the front page they get an influx of applications and that's what causes the delay.
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whatisthebigq
05-03-2024 at 06:23 AM.
05-03-2024 at 06:23 AM.
Quote from johnny_come_lately :
who needs to lock in $$ for a term when can easily get similar return at vanguard money market, last time a while back was 5.28% and can withdraw anytime .....
I was going to say this as well.. i.e VMFXX as an example.. that said, the benefit of the OP is it is guaranteed rate.. savings rates/ money markets will change immediately when the Fed cuts rates.. so if you expect a cut way before the 9 month period, then do the OP.. otherwise keep it liquid..
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daforcebwithu
05-03-2024 at 06:35 AM.
05-03-2024 at 06:35 AM.
Quote from thedowg2 :
Government Treasuries are currently paying ~5.3% interest for 1-month to 6-month durations. That's a higher rate than most CDs, and you don't pay State Income Tax on government treasuries.

You can see recent rates on TreasuryDirect.gov by going to https://www.treasurydirect.gov/au...a-results/

To buy them on TreasuryDirect, first log in, then go to BuyDirect, then choose Bills (1 year or less).
Been running the T-bill ladder since last year............easy, quick, guaranteed 5.3%+ with no state tax. Not going to tie up my free cash reserves with one off CDs from banks or credit unions. Google it. Running an ongoing series of 8w and 13w T-bills.
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DRPics
05-03-2024 at 06:43 AM.
05-03-2024 at 06:43 AM.
Space bucks!!
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mser4fun
05-03-2024 at 06:47 AM.
05-03-2024 at 06:47 AM.
For those that pay state taxes, short term treasuries are a better option because those are exempt from state taxes. You can sell them before maturity if cash is needed with a modest market adjustment if market interest rates are higher or lower than their book interest rates.

My emergency cash is all invested in 3 month treasuries for the past 8 years now and collectively, after the tax savings, have been a better option than those CDs.
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