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PERSONAL LOANS
There are certain times in life when you need more cash than you have. At NASA Federal, we get it!
It's why Investopedia recognized our personal loans as best for debt consolidation - with flexible terms and great rates!
Personal Loans
Consolidating debt or planning home renovations? Personal loans offer fixed payments for the term of the loan – perfect for paying down debt or making large purchases.
- Low, fixed monthly payments
- Rates as low as 9.84% APR1
- Flexible terms up to 84 months2
- No origination fees or prepayment penalties
- Amounts available up to $30,000
- Quick delivery of funds3
on a Personal Loan from NASA Federal Credit Union.
Effective as of December 1, 2024. Rates and terms subject to change without notice.
| Term | Loan Amount | APR1 as low as |
|---|---|---|
| up to 60 months | $1,000 - $30,000 | 9.84% |
| 61 - 84 months | $1,000 - $30,000 | 10.84% |
Payment Example: A $10,000 personal loan financed with NASA Federal at 9.84% APR for 60 months will have a monthly payment of $211.68.
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.
Already applied? Check your application status here.
CashLine Line of Credit
Need money for an ongoing project or temporary cash flow? Lines of credit allow you to pay interest only on what you borrow and have credit in reserve for on-going or unexpected expenses.
- No collateral required
- Low minimum payments
- Amounts available up to $30,000
on a Personal Line of Credit from NASA Federal Credit Union.
Effective as of December 1, 2024. Rates and terms subject to change without notice.
| Term | Loan Amount | APR1 as low as |
|---|---|---|
| Revolving | up to $30,000 | 12.24% (Prime^ + 4.74%) |
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
If you have existing NASA Federal deposit funds, you can get preferred loan rates. To apply, visit a branch location or call 1-888-NASA-FCU (627-2328).
- Rates as low as 3.10% APR4 (3.00% + share rate)
- Terms up to 60 months5
- Automatic payment options
- Low loan rates
- Certificate Pledged Loan also available (call for details)
Funds must be secured on the same account. Maximum loan amount is $125,000 or the amount of deposit, whichever is less. The maximum term is 60 months for funds secured against a share.
Effective as of December 1, 2024. Rates and terms subject to change without notice.
| 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).
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 9.84% 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 10.84% 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.
2Payment Example: A $10,000 personal loan financed with NASA Federal at 9.84% APR for 60 months will have a monthly payment of $211.68.
3Funds will be issued upon receipt of all required loan documents.
4APR = Annual Percentage Rate. APR is based the evaluation of creditworthiness. Rates are subject to change at any time without notice. Your actual APR may vary. Membership eligibility requirements apply. Subject to credit approval.
5Payment Example: A $10,000 share secured loan at 3.10% APR for 60 months is equal to a monthly payment of $180.13.
^Prime Rate = 7.50% as of December 26, 2024 as published in The Wall Street Journal.
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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.
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