What are the current interest rates at NASA Federal Credit Union?

Current rates for NASA Federal Credit Union include: 12-Month CD: 4.25%, 24-Month CD: 4.30%, 60-Month CD: 4.55%

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NASA Federal Credit Union

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NASA Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join NASA Federal Credit Union?

Yes, to access services at NASA Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, NASA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

NASA Federal Credit Union's top rates as of October 7, 2026 are 4.55% APY on its 49 Month CD, 1.00% APY on checking, personal loans from 8.04% APR, and credit cards from 8.90% APR, according to rates verified by MonitorBankRates. Other NASA Federal Credit Union CD rates include 60 Month CD at 4.55%, 15 Month CD at 4.50%, and 48 Month CD at 4.50%. MonitorBankRates evaluates the financial stability of NASA Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.54%. Rates last updated and verified on 10/07/2026.

NASA Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at NASA Federal Credit Union? Share your experience about NASA Federal Credit Union by leaving a review below, or read customer reviews before you decide to use NASA Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.54%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

NASA Federal Credit Union
Colllington Branch

500 Prince Georges Blvd
Upper Marlboro, MD 20774

https://www.nasafcu.com

Customer Reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

NASA Federal Credit Union CD Rates

Product	Rate	APY	Term
49 Month Share Certificate	4.46%	4.55%	49 months
Min Balance $10,000 Details Balance: $10,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.30% → 4.55% ▲ 0.25 pts · high 4.55% / low 4.30% Sep 27, 20264.55%▲ from 4.30% Sep 18, 20264.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
60 Month Share Certificate	4.46%	4.55%	60 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.28% → 4.55% ▲ 0.27 pts · high 4.55% / low 4.28% Sep 27, 20264.55%▲ from 4.28% Sep 18, 20264.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
15 Month Share Certificate	4.41%	4.50%	15 months
Min Balance $10,000 Details Balance: $10,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Sep 27, 20264.50%▲ from 4.25% Sep 18, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
48 Month Share Certificate	4.41%	4.50%	48 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20% Sep 27, 20264.50%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 Month Share Certificate	4.36%	4.45%	36 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15% Sep 27, 20264.45%▲ from 4.15% Sep 18, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
9 Month Share Certificate	4.36%	4.45%	9 months
Min Balance $10,000 Details Balance: $10,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.20% → 4.45% ▲ 0.25 pts · high 4.45% / low 4.20% Sep 27, 20264.45%▲ from 4.20% Sep 18, 20264.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 Month Share Certificate	4.31%	4.40%	24 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10% Sep 27, 20264.40%▲ from 4.10% Sep 18, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 Month Share Certificate	4.27%	4.35%	12 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Sep 27, 20264.35%▲ from 4.05% Sep 18, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 Month Share Certificate	4.27%	4.35%	12 months
Min Balance $50 Details Early Savers; Balance: $50 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05% Oct 7, 20264.35%▲ from 4.05% Sep 18, 20264.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
36 Month Share Certificate	4.27%	4.35%	36 months
Min Balance $1,000 Details Bump Rate; Balance: $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15% Sep 27, 20264.35%▲ from 4.15% Sep 18, 20264.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
24 Month Share Certificate	4.22%	4.30%	24 months
Min Balance $1,000 Details Bump Rate; Balance: $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10% Sep 27, 20264.30%▲ from 4.10% Sep 18, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
6 Month Share Certificate	4.22%	4.30%	6 months
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00% Sep 27, 20264.30%▲ from 4.00% Sep 18, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
12 Month Share Certificate	4.17%	4.25%	12 months
Min Balance $250 Details Add-On; Balance: $250 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95% Oct 7, 20264.25%▲ from 3.95% Sep 18, 20263.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

NASA Federal Credit Union Checking Rates

Product	Rate	APY	View More
Elite Checking	1.00%	1.00%
Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

NASA Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.94%	Up to 36 Months
Details Loan Amount: $5,000-$125,000 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 4.69% → 4.94% ▲ 0.25 pts · high 4.94% / low 4.69% Oct 2, 20264.94%▲ from 4.69% Sep 15, 20264.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Auto Purchase Loan	-	-	4.94%
Details Rates are higher for older model cars. The APR for model years 2016 - 2021 are 1% higher and model years greater than 10 years (<= 2015) are 2% higher than the quoted floor or as low as rates. Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 4.69% → 4.94% ▲ 0.25 pts · high 4.94% / low 4.69% Oct 2, 20264.94%▲ from 4.69% Sep 27, 20264.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Auto Refinance Loan	-	-	4.94%
Details Rates are higher for older model cars. The APR for model years 2016 - 2021 are 1% higher and model years greater than 10 years (<= 2015) are 2% higher than the quoted floor or as low as rates. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 4.69% → 4.94% ▲ 0.25 pts · high 4.94% / low 4.69% Oct 2, 20264.94%▲ from 4.69% Sep 15, 20264.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Auto Loan	-	-	5.54%	37-63 Months
Details Loan Amount: $10,000-$125,000 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.29% → 5.54% ▲ 0.25 pts · high 5.54% / low 5.29% Oct 2, 20265.54%▲ from 5.29% Sep 15, 20265.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Auto Loan	-	-	6.39%	64-75 Months
Details Loan Amount: $15,000-$125,000 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.14% → 6.39% ▲ 0.25 pts · high 6.39% / low 6.14% Oct 2, 20266.39%▲ from 6.14% Sep 15, 20266.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Auto Loan	-	-	7.24%	76-84 Months
Details Loan Amount: $20,000-$125,000 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 2, 20267.24%▲ from 6.99% Sep 15, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

NASA Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan	-	6.04%	Up to 36 months
Details Loan Amount: $5,000 - $19,999 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 5.79% → 6.04% ▲ 0.25 pts · high 6.04% / low 5.79% Oct 2, 20266.04%▲ from 5.79% Sep 15, 20265.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Recreational Vehicle Loan	-	7.29%	37-63 months
Details Loan Amount: $10,000 - $19,999 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.04% → 7.29% ▲ 0.25 pts · high 7.29% / low 7.04% Oct 2, 20267.29%▲ from 7.04% Sep 15, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Recreational Vehicle Loan	-	8.04%	64-75 months
Details Loan Amount: $20,000 - $49,999 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.79% → 8.04% ▲ 0.25 pts · high 8.04% / low 7.79% Oct 2, 20268.04%▲ from 7.79% Sep 15, 20267.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Recreational Vehicle Loan	-	8.44%	76-144 months
Details Loan Amount: $50,000 - $74,999 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.19% → 8.44% ▲ 0.25 pts · high 8.44% / low 8.19% Oct 2, 20268.44%▲ from 8.19% Sep 15, 20268.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%
Recreational Vehicle Loan	-	8.99%	145-180 months
Details Loan Amount: $75,000 - $125,000 Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.74% → 8.99% ▲ 0.25 pts · high 8.99% / low 8.74% Oct 2, 20268.99%▲ from 8.74% Sep 15, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

NASA Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	8.90%
Details LIFETIME 8.9% APR for balance transfers. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

NASA Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	8.04%
Details As Low As; quick funding, no application fees, and no payment for 45 days. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.79% → 8.04% ▲ 0.25 pts · high 8.04% / low 7.79% Oct 7, 20268.04%▲ from 7.79% Sep 15, 20267.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

NASA Federal Credit Union’s Texas Ratio fell from 4.42% in Q3 2023 to 3.54% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$5.8B	3.54%	5.0	A+
March 31, 2026	$5.8B	3.91%	5.0	A+
December 31, 2025	$5.7B	4.25%	5.0	A+
September 30, 2025	$5.7B	4.46%	5.0	A+
June 30, 2025	$5.5B	4.51%	5.0	A+
March 31, 2025	$5.6B	4.89%	5.0	A+
December 31, 2024	$5.5B	5.13%	5.0	A+
September 30, 2024	$5.5B	4.75%	5.0	A+
June 30, 2024	$5.5B	4.36%	5.0	A+
March 31, 2024	$5.4B	4.65%	5.0	A+
December 31, 2023	$5.2B	4.27%	5.0	A+
September 30, 2023	$5.4B	4.42%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for NASA Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather NASA Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with NASA Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name NASA Federal Credit Union

Website https://www.nasafcu.com

Address 500 Prince Georges Blvd, Upper Marlboro, MD 20774

Phone 301-895-2354

Fax 301-390-4538

President Lewis Andrews

CEO Douglas Allman

Full-Time Employees 376

Part-Time Employees 17

Branch Locations 13

ATM Locations 12

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.54%

Return on Assets (ROA)

0.4326%

Return on Equity (ROE)

4.1251%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

5,797,664,048

Total Amount of Shares and Deposits

4,659,089,174

Total Shares and Deposits < 1 Year

3,871,710,170

Total Shares and Deposits 1 3 Years

486,444,823

Total Shares and Deposits > 3 Years

300,934,181

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

967,637,846

Total Uninsured Shares and Deposits > $250K (F+J)

970,982,611

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,688,106,563

Total Interest Expense (Sum of items 6 8)

76,620,526

Share Certificates

42,836

Number of Accounts for Share Drafts

56,277

IRA KEOGH Accounts

9,911

Number of Accounts for Regular Shares

288,431

All other shares

3,413

Non Member Deposits

226

Money Market Shares

3,655

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

932,463,447

Total Liabilities

5,187,360,367

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

NASA Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About NASA Federal Credit Union

How many branches does NASA Federal Credit Union operate?

NASA Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join NASA Federal Credit Union?

Yes, to access services at NASA Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, NASA Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, NASA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does NASA Federal Credit Union offer online and mobile banking?

Most modern institutions like NASA Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nasafcu.com.

Current NASA Federal Credit Union Rates

12-Month CD4.25%
24-Month CD4.30%
60-Month CD4.55%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

NASA Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

NASA Federal Credit Union Texas Ratio

NASA Federal Credit Union Health Trend

NASA Federal Credit Union CD Rates

NASA Federal Credit Union Checking Rates

NASA Federal Credit Union Auto Loan Rates

NASA Federal Credit Union RV, Boat and Powersport Loan Rates

NASA Federal Credit Union Credit Card Rates

NASA Federal Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

NASA Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About NASA Federal Credit Union

How many branches does NASA Federal Credit Union operate?

Is a member application needed to join NASA Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does NASA Federal Credit Union offer online and mobile banking?

Current NASA Federal Credit Union Rates

Compare to Other Credit Unions