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Space lovers nationwide can cash in on some impressive CD deals.
NASA Federal Credit Union is offering a 49-month CD paying 2.25 percent APY. That’s about a quarter percentage point higher than the most competitive 4-year-CD rates offered by First Internet Bank of Indiana and EverBank.
Interest rates may gradually rise over the next couple of years. That makes long-term certificates of deposit less appealing for folks trying to snag the top rates.
But CDs that mature in 60 months or more typically have the highest yields.
That’s why NASA FCU’s 49-month deal is so special. You can earn nearly as much interest as you would through a 5-year CD without locking yourself into a term lasting that long.
15-month CD special
NASA FCU also offers a 15-month CD that pays 1.6 percent APY. That’s a tenth of a percentage point higher than the best nationally available 1-year deals.
The minimum opening balance for both CD specials is $5,000. So new savers may want to consider other offers.
Top nationally available 12-month CD rates
Institution
APY
Minimum deposit
Connexus Credit Union
1.50%
$5,000
VirtualBank
1.46%
$10,000
Home Savings Bank
1.45%
$5,000
EverBank
1.45%
$5,000
How to join
Membership is open to:
Current or retired employees of NASA Centers and Facilities or NASA Headquarters
Members or employees of dozens of approved companies and associations
Relatives or roommates of current NASA FCU members
Don’t fall into any of those categories? You can join by becoming a member of the National Space Society. Membership through that organization is free of charge.
Open a CD today
Filling out an online application is easy and should take less than 10 minutes.
Like most banks and credit unions, NASA FCU charges an early withdrawal penalty. It’s equal to six months of dividends for the 15-month CD and a year’s worth of dividends for the 49-month special.
NASA FCU, an NCUA-insured institution that is headquartered in Upper Marlboro, Maryland, earned four out of five stars on Bankrate’s latest Safe & Sound Ratings, which measures financial health of banks and credit unions throughout the United States.
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