NASA Federal Credit Union CD Rates

How NASA Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Washington, DC-VA-MD-WV, where NASA Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
NASA Federal Credit Union
4.55%APY
Term
49 months
Minimum
$10,000
Earns on $10,000
$1,992
Share Certificates
Top rate
Tower Federal Credit Union
5.20%APY
Term
24 months
Minimum
$500
Earns on $10,000
$1,067
Tower Federal Credit Union rates
2nd-highest rate
Apple FCU
5.00%APY
Term
70 months
Minimum
$500
Earns on $10,000
$3,292
Apple FCU rates

Compare CD rates near you →

CD score

Higher than 99% of U.S. banks and credit unions

By term

3–8 months3–8 mo4.30%
9–15 months9–15 mo4.50%
16–30 months16–30 mo4.40%
31–60 months31–60 mo4.55%
QualifiedQualified4.55%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

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Where NASA Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Share Certificates

Up to 4.55%APY · 9 termsFrom $50 to open

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

Earnings on $10,000 over the term.
Term	APY · Up to $50,000	APY · $250 and up	APY · $1,000 and up	APY · $10,000 and up	APY	Earns on $10,000Earns
6 months	—	—	4.30%	—	4.30%	$213
9 monthsAvailable 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 October 1, 2026, and October 31, 2026. 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	—	—	—	4.45%	4.45%	$332
12 months	—	—	4.35%	—	4.35%	$435
12 monthsAnnual Percentage Yield as of October 1, 2026. 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	—	4.25%	—	—	4.25%	$425
12 monthsAnnual Percentage Yield as of October 1, 2026. 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	4.35%	—	—	—	4.35%	$435
15 monthsAvailable 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 October 1, 2026, and October 31, 2026. 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	—	—	—	4.50%	4.50%	$566
24 months	—	—	4.40%	—	4.40%	$899
24 monthsAnnual Percentage Yield effective October 1, 2026. $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	—	—	4.30%	—	4.30%	$878
36 months	—	—	4.45%	—	4.45%	$1,395
36 monthsAnnual Percentage Yield effective October 1, 2026. $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	—	—	4.35%	—	4.35%	$1,363
48 months	—	—	4.50%	—	4.50%	$1,925
49 monthsAvailable 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 October 1, 2026, and October 31, 2026. 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	—	—	—	4.55%	4.55%	$1,992
60 months	—	—	4.55%	—	4.55%	$2,492

Sources (1)

nasafcu.com/personal/checking-…tes/certificates---rates · captured Oct 15, 2026

Special-purpose accounts

IRA Certificate

Up to 4.55%APY · 9 termsIRAFrom $50 to open

Earnings on $10,000 over the term.
Term	APY · Up to $50,000	APY · $250 and up	APY · $1,000 and up	APY · $10,000 and up	APY	Earns on $10,000Earns
6 months	—	—	4.30%	—	4.30%	$213
9 monthsAvailable 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 October 1, 2026, and October 31, 2026. 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	—	—	—	4.45%	4.45%	$332
12 months	—	—	4.35%	—	4.35%	$435
12 monthsAnnual Percentage Yield as of October 1, 2026. 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	—	4.25%	—	—	4.25%	$425
12 monthsAnnual Percentage Yield as of October 1, 2026. 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	4.35%	—	—	—	4.35%	$435
15 monthsAvailable 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 October 1, 2026, and October 31, 2026. 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	—	—	—	4.50%	4.50%	$566
24 months	—	—	4.40%	—	4.40%	$899
24 monthsAnnual Percentage Yield effective October 1, 2026. $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	—	—	4.30%	—	4.30%	$878
36 months	—	—	4.45%	—	4.45%	$1,395
36 monthsAnnual Percentage Yield effective October 1, 2026. $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	—	—	4.35%	—	4.35%	$1,363
48 months	—	—	4.50%	—	4.50%	$1,925
49 monthsAvailable 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 October 1, 2026, and October 31, 2026. 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	—	—	—	4.55%	4.55%	$1,992
60 months	—	—	4.55%	—	4.55%	$2,492

Sources (2)

All captured Oct 15, 2026

Health Savings Certificates

Up to 4.35%APY · 2 termsHSAFrom $2,000 to open

Membership and eligibility requirements apply. Accounts closed before the end of the dividend period will not receive accrued dividends. Early Certificate withdrawal penalties apply and may reduce earnings. Fees could reduce earnings. Dividends Compounded: Monthly. Dividends Credited: Monthly. Balance Method: Average Daily Balance. Limitations: Refer to Member Services Agreement. Fees: Refer to Schedule of Fees.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months	4.30%	$213
12 months	4.35%	$435

Sources (1)

nasafcu.com/personal/checking-…vings-accounts/hsa-rates · captured Oct 15, 2026

Who can join NASA Federal Credit Union

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