NASA Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, NASA Federal Credit Union's highest tracked CD (share certificate) rate is 4.55% APY on a 49-month promotional CD ($10,000 minimum). That is 3.5 times the FDIC national average for 48-month CDs (1.31%). Standard CD rates range from 4.30% to 4.55% APY.
Tracking began .
NASA Federal Credit Union CD & share certificate rates
Membership required. Promotional certificates require new funds; Early Savers certificates are limited to members age 23 or under. See the source for product eligibility and deposit limits.
| Term | Product | APY |
|---|---|---|
| 6 months | Share Certificate - 6 Month | 4.30%Verified October 22, 2026 |
| 9 months | Share Certificate - 9 Month Special Promotional | 4.45%Verified October 22, 2026 |
| 12 months | Share Certificate - 12 Month Early Savers Special | 4.35%Verified October 22, 2026 |
| 12 months | Share Certificate - 12 Month | 4.35%Verified October 22, 2026 |
| 12 months | Share Certificate - 12 Month Add-On Special | 4.25%Verified October 22, 2026 |
| 15 months | Share Certificate - 15 Month Special Promotional | 4.50%Verified October 22, 2026 |
| 24 months | Share Certificate - 24 Month | 4.40%Verified October 22, 2026 |
| 24 months | Share Certificate - 24 Month Bump Rate Promotional | 4.30%Verified October 22, 2026 |
| 36 months | Share Certificate - 36 Month | 4.45%Verified October 22, 2026 |
| 36 months | Share Certificate - 36 Month Bump Rate Promotional | 4.35%Verified October 22, 2026 |
| 48 months | Share Certificate - 48 Month | 4.50%Verified October 22, 2026 |
| 49 months | Share Certificate - 49 Month Special Promotional | 4.55%Verified October 22, 2026 |
| 60 months | Share Certificate - 60 Month | 4.55%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.55% APY (49 months). The standard rate for a similar term is 4.50% APY (48 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $5 less per year. Check the account terms and set a reminder before maturity.
What are NASA Federal Credit Union's best CD rates by term?
NASA Federal Credit Union's best rate is 4.55% APY on 49 months, verified October 22, 2026.
- 6 mo4.30%
- 9 mo4.45%
- 12 mo4.35%
- 15 mo4.50%
- 24 mo4.40%
- 36 mo4.45%
- 48 mo4.50%
- 49 mo4.55%
- 60 mo4.55%
How much interest could a NASA Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $106.664.30% APY · Share Certificate - 6 Month · Standard | $213.334.30% APY · Share Certificate - 6 Month · Standard | $533.324.30% APY · Share Certificate - 6 Month · Standard | $1,066.634.30% APY · Share Certificate - 6 Month · Standard |
| 9 months | Not estimated | $332.244.45% APY · Share Certificate - 9 Month Special · Promotional | $830.594.45% APY · Share Certificate - 9 Month Special · Promotional | $1,661.184.45% APY · Share Certificate - 9 Month Special · Promotional |
| 12 months | $217.504.35% APY · Share Certificate - 12 Month · Standard | $435.004.35% APY · Share Certificate - 12 Month · Standard | $1,087.504.35% APY · Share Certificate - 12 Month · Standard | $2,175.004.35% APY · Share Certificate - 12 Month · Standard |
| 24 months | $449.684.40% APY · Share Certificate - 24 Month · Standard | $899.364.40% APY · Share Certificate - 24 Month · Standard | $2,248.404.40% APY · Share Certificate - 24 Month · Standard | $4,496.804.40% APY · Share Certificate - 24 Month · Standard |
| 49 months | Not estimated | $1,991.804.55% APY · Share Certificate - 49 Month Special · Promotional | $4,979.504.55% APY · Share Certificate - 49 Month Special · Promotional | $9,959.014.55% APY · Share Certificate - 49 Month Special · Promotional |
| 60 months | $1,245.834.55% APY · Share Certificate - 60 Month · Standard | $2,491.664.55% APY · Share Certificate - 60 Month · Standard | $6,229.154.55% APY · Share Certificate - 60 Month · Standard | $12,458.304.55% APY · Share Certificate - 60 Month · Standard |
How NASA Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 1490-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| NASA Federal Credit Union (this institution) (highest tracked APY for this term)Share Certificate - 49 Month Special · Promotional | 49 months | $10,000 | Coverage: DC, MD, VA | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 49 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.98% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking NASA Federal Credit Union on October 22, 2026.
About NASA Federal Credit Union
- Legal name
- Nasa Federal Credit Union
- Regulator ID
- NCUA 6328
- Headquarters
- Upper Marlboro, MD
- Available in
- DC, MD, VA
- Total assets
- $5.8 billion
- Also known as
- NASA FCU
- Website
- www.nasafcu.com
Source: rates read from https://www.nasafcu.com/personal/checking-savings/certificates/certificates---rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at NASA Federal Credit Union?
Among the rates we track, 4.55% APY on a 49-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a NASA Federal Credit Union CD?
The lowest minimum we found is $50; jumbo and higher balance tiers start at up to $10,000.
How does NASA Federal Credit Union's best CD rate compare with Treasury yields?
4.55% APY is −0.43% versus the 49-month Treasury yield of 4.98% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.55% a good CD rate?
It is 3.5 times the FDIC national average for a similar term (1.31% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are NASA Federal Credit Union CDs insured?
NASA Federal Credit Union is a federally insured credit union (NCUA 6328). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at NASA Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check NASA Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from NASA Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with NASA Federal Credit Union before opening an account. This page is not financial advice.