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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
86,347 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

Editor's Notes & Price Research

Written by
  • About this deal:
    • 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.
    • Membership Eligibility Requirements Apply.

Original Post

Written by
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
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Featured Comments

My application spent 3 weeks "in review" before I told them to close my application. Good luck to those taking a chance.
"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"
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 Dec 2006
Father of the Year
> bubble2 2,193 Posts
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Type X
04-28-2024 at 04:54 PM.
04-28-2024 at 04:54 PM.
This rate is … out of this world…
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richguy20002001
04-28-2024 at 05:35 PM.
04-28-2024 at 05:35 PM.
Funding is easy, but how you withdraw after the CD maturity
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Joined Dec 2005
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> bubble2 36,756 Posts
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SnakePlisken
04-28-2024 at 05:39 PM.
04-28-2024 at 05:39 PM.
Quote from richguy20002001 :
Funding is easy, but how you withdraw after the CD maturity
Just transfer to your savings acct.
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Joined May 2023
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eatgreens20013
04-28-2024 at 06:32 PM.

Our community has rated this post as helpful. If you agree, why not thank eatgreens20013

04-28-2024 at 06:32 PM.
"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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Joined Jun 2005
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Wildpir8
04-28-2024 at 06:41 PM.
04-28-2024 at 06:41 PM.
Quote from Slickd3aler :
So that's $270 on $5000 in 9 months?
$202.50 since that's 3/4 of a year.
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itsssmeee
04-28-2024 at 10:16 PM.

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

04-28-2024 at 10:16 PM.
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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blackmarlin8
04-28-2024 at 10:25 PM.
04-28-2024 at 10:25 PM.
If you have treading account, just fund it and get $USFR.

USFR pays 5.30% Dividend every month.

No hassle to open new accounts/transfer money and lock money in CD. Also easy on tax filing to avoid additional 1099 etc.

https://finance.yahoo.com/quote/USFR/
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rkster09
04-28-2024 at 10:30 PM.
04-28-2024 at 10:30 PM.
Quote from blackmarlin8 :
If you have treading account, just fund it and get $USFR.

USFR pays 5.30% Dividend every month.

No hassle to open new accounts/transfer money and lock money in CD. Also easy on tax filing to avoid additional 1099 etc.

https://finance.yahoo.com/quote/USFR/
Yield 5.31%
YTD Daily Total Return 1.95%
Beta (5Y Monthly) -0.01
Expense Ratio (net) 0.15%
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Plast8
04-30-2024 at 11:11 PM.
04-30-2024 at 11:11 PM.
Quote from rkster09 :
Just do a Robinhood Gold account for 5.25%.
No CD required.
- $5/mo Robinhood membership fee
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DonkeyFinest
05-02-2024 at 09:01 PM.
05-02-2024 at 09:01 PM.
Quote from Plast8 :
- $5/mo Robinhood membership fee
Robinhood isn't as reputable as Vanguard, Charles Schwab etc.
There's no one to call if there's a problem.
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Cheapskate27
05-02-2024 at 10:08 PM.

Our community has rated this post as helpful. If you agree, why not thank Cheapskate27

05-02-2024 at 10:08 PM.
Quote from rkster09 :
Just do a Robinhood Gold account for 5.25%.
No CD required.
Quote from DonkeyFinest :
Robinhood isn't as reputable as Vanguard, Charles Schwab etc.
There's no one to call if there's a problem.
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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Last edited by Cheapskate27 May 3, 2024 at 05:14 PM.
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