Rates to help your retirement savings take off
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IRA Certificate Rates
Effective as of April 1, 2024. Rates and terms subject to change without notice.
| Term | Minimum Balance | Dividend Rate | APY^ |
|---|---|---|---|
| 60 months | $1,000 | 3.93% | 4.00% |
| 49 months1 | $10,000 | 4.36% | 4.45% |
| 48 months | $1,000 | 4.025% | 4.10% |
| 36 months Bump Rate2 | $1,000 | 4.07% | 4.15% |
| 36 months | $1,000 | 4.17% | 4.25% |
| 24 months Bump Rate3 | $1,000 | 4.17% | 4.25% |
| 24 months | $1,000 | 4.27% | 4.35% |
| 15 months4 | $10,000 | 5.13% | 5.25% |
| 12 months | $1,000 | 4.41% | 4.50% |
| 12 months Add-On† | $250 | 4.31% | 4.40% |
| 12 months Early Savers†† | $50 | 4.41% | 4.50% |
| 9 months5 | $10,000 | 5.27% | 5.40% |
| 6 months | $1,000 | 4.79% | 4.90% |
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
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^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 April 1, 2024, and April 30, 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 April 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 April 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 April 1, 2024, and April 30, 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 April 1, 2024, and April 30, 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 April 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 April 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.
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