Rates to help your retirement savings take off
Select to View All Rates
IRA Certificate Rates
Effective as of December 1, 2024. Rates and terms subject to change without notice.
| Term | Minimum Balance | Dividend Rate | APY^ |
|---|---|---|---|
| 60 months | $1,000 | 3.78% | 3.85% |
| 49 months1 | $10,000 | 4.02% | 4.09% |
| 48 months | $1,000 | 3.88% | 3.95% |
| 36 months Bump Rate2 | $1,000 | 3.83% | 3.90% |
| 36 months | $1,000 | 3.93% | 4.00% |
| 24 months Bump Rate3 | $1,000 | 3.93% | 4.00% |
| 24 months | $1,000 | 4.025% | 4.10% |
| 15 months4 | $10,000 | 4.26% | 4.34% |
| 12 months | $1,000 | 4.22% | 4.30% |
| 12 months Add-On† | $250 | 4.12% | 4.20% |
| 12 months Early Savers†† | $50 | 4.22% | 4.30% |
| 9 months5 | $10,000 | 4.45% | 4.54% |
| 6 months | $1,000 | 4.41% | 4.50% |
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.
Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Method: Average Daily Balance. Limitations: Early withdrawal penalties apply and may reduce earnings. Refer to Member Services Agreement. Fees: Fees could reduce earnings. Refer to Schedule of Fees. Terms: Certificate Terms and Conditions
Select to Open an Account Already a member? or Apply Here.
^APY=Annual Percentage Yield.
1 Available for Certificate and IRA funds. Minimum $10,000 new funds brought from an external source required to open certificate. Early withdrawal penalties apply and may reduce earnings. A minimum of $10,000 must be deposited between December 1, 2024, and December 31, 2024. 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 certificate renews automatically to a standard 48-month term at the rate in effect at the time of renewal unless instructed otherwise.
2 Annual Percentage Yield effective December 1, 2024. $1,000 minimum opening balance. One-time option to increase the certificate rate to like bump rate APY for the remainder of the original term to a 36-month rate offered at the time of the requested increase. Special certificate renews automatically for the same term at the rate in effect at the time of renewal unless otherwise directed. 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.
3 Annual Percentage Yield effective December 1, 2024. $1,000 minimum opening balance. One-time option to increase the certificate rate to like bump rate APY for the remainder of the original term to a 24-month rate offered at the time of the requested increase. Special certificate renews automatically for the same term at the rate in effect at the time of renewal unless otherwise directed. 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.
4 Available for Certificate and IRA funds. Minimum $10,000 new funds brought from an external source required to open certificate. Early withdrawal penalties apply and may reduce earnings. A minimum of $10,000 must be deposited between December 1, 2024, and December 31, 2024. 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 certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless instructed otherwise.
5 Available for Certificate and IRA funds. Minimum $10,000 new funds brought from an external source required to open certificate. Early withdrawal penalties apply and may reduce earnings. A minimum of $10,000 must be deposited between December 1, 2024, and December 31, 2024. 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 certificate renews automatically to a standard 6-month term at the rate in effect at the time of renewal unless instructed otherwise.
† Annual Percentage Yield as of December 1, 2024. Minimum $250 deposit to open; maximum $2,500 per month add on. Special certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless otherwise instructed. Additional deposits of at least $25 must be made by automated means (i.e. account-to-account transfers, Online Banking recurring or non-recurring transfers, etc.) but are not required. Early withdrawal penalties apply and may reduce earnings. Additional conditions apply.
†† Annual Percentage Yield as of December 1, 2024. Minimum $50 deposit to open. Must be age 23 or under to be eligible. Additional deposits of at least $25 can be made at any time, but are not required. Balance, including dividends, cannot exceed $50,000 and any excess will be automatically transferred to the Prime Savings account. Early withdrawal penalties apply and may reduce earnings. Unless otherwise instructed, at age 24, an Early Savers Certificate will automatically renew to a standard 12-month term at the rate in effect at the time of renewal unless the certificate has a balance of less than $1,000, in which case, the balance will be transferred to the Prime Savings account.
We’re here to help
Mortgages & Equity
Auto & RV Loans
Credit Cards
Personal Loans
Student Loans
Business Services
Checking & Savings
Your savings federally insured to at least $250,000 and backed by the full faith & credit of the U.S. Government. NMLS #486583.
Confidential information such as account numbers and social security numbers should not be sent by email for security reasons. Instead, please contact us directly at 1-888-NASA-FCU, send us a secure message through Online Banking or Mobile Banking, or visit your nearest branch.
You are now leaving nasafcu.com and entering a third party website that is not part of NASA Federal Credit Union.
The content you are about to view is produced by a third party unaffiliated to NASA Federal Credit Union. NASA Federal takes no responsibility for the content of the page.