Why borrow with NASA FCU?

NASA FCU offers competitive APRs, an easy online application and no prepayment penalties for our personal loans.

How is my personal loan rate determined?

NASA FCU considers multiple factors in your application, such as creditworthiness, loan terms and amount, and several other factors.

Are NASA FCU loan rates fixed or variable?

All personal loans offered through NASA FCU have fixed rates, ensuring predictable monthly payments.

Do I need to be a NASA FCU member to apply?

Yes, membership is required to finalize a personal loan. You can apply for membership during the loan application process.

Can I apply for a loan online?

Yes, NASA FCU offers a secure online application process that takes just a few minutes to complete.

Is there a fee for early repayment?

No, NASA FCU does not charge prepayment penalties for personal loans.

Low Personal Loan Rates with Flexible Terms

Personal Loans

Personal Loans

Effective as of July 1, 2025. Rates and terms subject to change without notice.

View the annual percentage rate for a personal unsecured loan with terms up to 84 months
Term	Loan Amount	APR¹ as low as
up to 60 months	$1,000 - $30,000	9.49%
61 - 84 months	$1,000 - $30,000	10.49%

Payment Example: A $10,000 personal loan financed with NASA Federal at 9.49% APR for 60 months will have a monthly payment of $209.97.

For updated information, inquire at any branch office, send us a secure message via Online Banking or the mobile app, or call 1-888-NASA-FCU (627-2328).

Select to Check Your Rate on a personal loan from NASA Federal Credit Union.

Home Improvement Loans

Effective as of July 1, 2025. Rates and terms subject to change without notice.

View the annual percentage rate for a home improvement loan with terms up to 240 months
Term	Loan Amount	APR² as low as
up to 84 months	$10,000 - $100,000	8.49%
85 - 180 months	$20,000 - $100,000	8.84%
181- 240 months	$50,000 - $100,000	9.34%

Payment Example: A $50,000 home improvement loan financed with NASA Federal at 9.34% APR for 240 months will have a monthly payment of $460.85.

For updated information, inquire at any branch office, send us a secure message via Online Banking or the mobile app, or call 1-888-NASA-FCU (627-2328).

Select to Check Your Rate on a personal loan from NASA Federal Credit Union.

CashLine Line of Credit

Effective as of July 1, 2025. Rates and terms subject to change without notice.

View the annual percentage rate for a revolving CashLine unsecured line of credit for amounts up to $30,000
Term	Loan Amount	APR¹ as low as
Revolving	up to $30,000	[[PL Cashline LOC Rate]]

Maximum rate is 18.00%.

For updated information, inquire at any branch office, send us a secure message via Online Banking or the mobile app, or call 1-888-NASA-FCU (627-2328).

Select to Check Your Rate on a personal line of credit from NASA Federal Credit Union.

Share Secured Loan

Effective as of July 1, 2025. Rates and terms subject to change without notice.

View the annual percentage rates for variable share secured and certificate loans
Loan Type	Term	APR¹ as low as
Share Secured (variable)	up to 60 months	3.10%
Certificate Loan	Term of Certificate	Certificate Rate + 3.00%

Payment Example: A $10,000 share secured loan at 3.10% APR for 60 months is equal to a monthly payment of $180.13.

For updated information, inquire at any branch office, send us a secure message via Online Banking or the mobile app, or call 1-888-NASA-FCU (627-2328).

To apply, call 1-888-NASA-FCU (627-2328).

¹APR = Annual Percentage Rate. APR is based on the evaluation of creditworthiness. Rates are subject to change at any time without notice. Special offer floor rate is 9.49% APR for up to 60 months and is reserved for highly qualified individuals. The special offer floor rate for terms of 61-84 months is 10.49% APR. Your actual APR may vary. Membership eligibility requirements apply. Subject to credit approval. Refinance of existing NASA Federal Credit Union fixed-rate loans permitted one time only with a required $1,000 cash out. Maximum aggregate unsecured credit limits cannot exceed $50,000 with NASA Federal Credit Union. This limited-time offer is subject to change at any time without notice.

²APR = Annual Percentage Rate. APR is based on the evaluation of creditworthiness. Rates are subject to change at any time without notice. Special offer floor rate is 8.49% APR for up to 84 months and is reserved for highly qualified individuals. The special offer floor rate for terms of 85-180 months is 8.84% APR. Your actual APR may vary. Membership eligibility requirements apply. Subject to credit approval. Maximum aggregate unsecured credit limits cannot exceed $100,000 with NASA Federal Credit Union. This limited-time offer is subject to change at any time without notice.

^{^}Prime Rate = 7.50% as of July 18, 2025 as published in The Wall Street Journal.

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