Announcing “Bring It” Days At NASA Federal

You Could Pocket Up To 300 Big One$

• Get Free With Direct Deposit Checking…$100
• Take Out A Loan of $5,000 or more…$100
• Get a NASA Federal Visa Platinum…$50
• Sign Up For eStatements…$25
• Refer A Family Member…$25

Just in time for Spring, NASA Federal introduces “Bring It” days, now through June. When you broaden your relationship with NASA Federal, you can pocket up to $300! Here’s how:

Sign up for Free with Direct Deposit Checking and pocket $100*

Choose NASA Federal Credit Union’s Free with Direct Deposit Checking account if you have a regular recurring direct deposit and want a checking account that’s free. Not only do you get the Check Card that pays you back, but you’ll find a checking account that’s designed to fit your lifestyle and the way you like to manage your finances.

Get a Loan of $5,000 or more and pocket $100*

When you get a new loan with NASA Federal, you’ll pocket $100! Get an affordable auto loan, a home equity loan or line of credit or a personal loan. Application is fast and easy. Apply online at nasafcu.com/apply.

Get a NASA Federal Visa Platinum and pocket $50*

Smart shopping starts with your NASA Federal Visa Platinum with CURewards points. You’ll find a NASA Federal Visa Platinum has no hooks, no strings, no gimmicks and best of all, no surprises. Apply online today at nasafcu.com/apply and get $50 when you use your card for the first time.

Sign up for eStatements and get $25*

Sign up for eStatements—the better way to get your account statement – for you and for the environment! eStatements are secure, electronic copies of your account statements that you can view, search, save and print online. Go to nasafcu.com/estatements to sign up for eStatements today!

Refer a family member or work associate and get $25*

When you refer a family member or eligible coworker to NASA Federal, you get $25! Share the credit union advantage!

Fill Out A Redemption Certificate at nasafcu.com/bringit and return it within 7 business days of completing any of the above activities and/or account opening to earn up to $300! Hurry! Offers expire 6/30/08.

*Offer limited to maximum total bonus of $300 per member. Offers valid for activities accomplished and accounts opened between 5/1/2008 and 6/30/2008. Cannot be combined with any other rebate or bonus offer. A history of responsible account management will be required to open a checking account. Loan offers are subject to normal credit evaluation and approval is not guaranteed. Redemption Certificate must be submitted within 7 business days of account opening or activity accomplished. Cash awards will be deposited into your primary share account within 60 days of account opening or activity verification, but no later than August 31, 2008. Awards are as follows: $100 bonus and one free box of NASA Federal Shuttle checks when you open a new NASA Federal Free With Direct Deposit Checking account and establish a new net check deposit; $100 bonus applies to a new and disbursed NASA Federal loan of $5,000 or more (including Auto, Education, Home Equity, Leisure Time Vehicle, Mortgage or Signature Loans); not valid if refinancing an existing NASA Federal Credit Union loan; $50 bonus when you are approved for a NASA Federal Visa Platinum With CURewards credit card and make a purchase by 7/31/08; $25 bonus when you sign up for eStatements; $25 bonus when you refer a family member or eligible co-worker who joins, opens and funds an account (the name of the new member must be listed on your Redemption Certificate). To receive your bonus, a Redemption Certificate must be submitted within 7 business days of activity. Submit your certificate to any branch representative, fax to 301-390-4531 or mail to NASA Federal Credit Union, Department M, P.O. Box 1588, Bowie, MD 20717-1588.

Your Home Buying Road Map

Are you looking to buy a new home? Although it’s a difficult time to sell, it’s a great time to buy with mortgage rates at an all-time low and lots of inventory from which to choose! Whether you’re a first time or seasoned homebuyer, here are six steps to a successful experience:

1. Decide what kind of house you want. Create a prioritized list of the features you’d like to have in your home. Use it as a guide, but remember, depending on your funding, you may need to compromise.
2. Figure out how much you can afford. Now that you know what you want, it’s time to see what you can afford. You can start by crunching the numbers yourself using our online calculator available at nasafcu.com/mortgagecenter.
3. Start shopping for homes. When you’re ready for this step, it’s beneficial to get pre-approved first. You can do this online at mortgages.nasafcu.com. Many times, this can be used as leverage in the negotiation process. Begin searching online and target the homes that meet your criteria. Then, it’s time to contact a Real Estate Agent and visit the homes in person!
4. Make an offer. Typically, this is the most difficult step because both parties have totally different goals. In most cases, it’s better to have a real estate professional negotiate the offer.
5. Schedule inspection and arrange for insurance. Congratulations! Your offer has been accepted. Now, it’s time to set up inspections for insect, radon, building quality, title, etc. You will also need to arrange for homeowners insurance. Visit nasafcu.com/insurance to learn about group discounts with Travelers.
6. Sign on the dotted line. Before you arrive to settlement, make sure all the necessary paper work and deposits have been made. And once you close, it’s official—you own the house!

Home Loans Designed To Fit Your Budget

A home is one of the most important purchases you’ll ever make. Trust NASA Federal to help you make a smart choice when you need a mortgage. Get a NASA Federal mortgage representative involved early in the process. They can help you figure out how much you can afford and get you pre-approved. Let NASA Federal help you get payments you can live with. We charge fewer fees so closing costs are lower. For more information, call 301-249-1800 or 1-888-NASA-FCU (627-2328), ext. 207, and speak with a mortgage professional today. Or, if you prefer, check rates and apply online today at nasafcu.com/mortgagecenter.

Time For Spring Cleaning?

As Spring approaches, you may be looking at boxes of bills, piles of papers and lots of receipts wondering how much of this stuff you really need? Each day, the typical family receives five to 10 items that include personal information. That easily translates into 50 items a week or 2,500 items a year. So, how can you decide what to keep and what to throw away? Here are some pointers on when you can toss:

• Credit card receipts—Hold onto receipts until your monthly statement arrives; if it’s correct, you can shred the receipts. Exceptions: Keep a receipt if you’re disputing a bill or to cover a warranty or return period.
• Paycheck stubs—At the end of the year, verify the information matches your annual W-2, then you can shred the stubs. If your employer lists vacation/sick leave carryover on your paycheck stub, you might want to keep the last one of the year.
• Account statements or check copies—At the end of each year, go through your account statements and only keep those related to taxes, business expenses, housing or mortgage payments.
• Home purchase or remodeling documentation—Keep purchase price information and the cost of permanent improvements to your property, such as remodeling, for six years. Also, if you buy or sell property, keep records of legal fees and your real estate agent’s commission for six years after you sell your house. Keeping these records, especially home improvement records, is a good idea and could potentially assist you in lowering capital gains tax should you decide to sell.
• Tax returns—Keep tax records for about seven years. The IRS has three years to audit your return, and you have three years to file an amended return to claim a refund if you made a mistake. If you made a mistake of underreporting your gross income by 25% or more on a return, the IRS has six years to challenge it. If you filed a fraudulent return or didn’t file one at all, the IRS can catch you on it at any time.
• Some things you keep forever—Updated household inventory, birth and death certificates, marriage license, divorce papers, military records, insurance claims, accident reports and claims, proof of ownership and major debt repayment and legal correspondence.

Need help safely destroying personal documents? Visit NASA Federal’s Greenbelt Branch on May 17 from 10 a.m. to 1 p.m. for Community Shred Day and we’ll shred up to 3 boxes worth—FREE!

When She decides What She wants To be…

Will you be ready?

SAVE Today for Your Child’s Tomorrow
Early Savers Certificate
3.30%APY*
12-month Certificate
$50 Minimum Deposit

Submit your child’s photo and you could win $100†.

*Annual Percentage Yield (APY) as of May 1, 2008, subject to change at any time. 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.

†Go to nasafcu.com/photoalbum for details.

Gift Cards Make The Perfect Gift

A lot of important days are coming up: Mother’s Day, Father’s Day, birthdays, graduations and weddings. Did you know you can find the perfect gift for any occasion right at NASA Federal? Select the gift that’s perfect for any occasion—Visa Gift Cards. With the Visa Gift Card, the lucky recipient can purchase exactly what they want at any location that accepts Visa. No need to find the right store, web site or restaurant.

Get your Visa Gift Card, in any denomination between $25 and $500, for just $3.95 at your local branch office. For a list of branch locations, go to nasafcu.com/locations.

Ride Out The Housing Market With Smart Upgrades To Your Home

Do you have visions of SOLD signs dancing in your head? If your house has been lingering on the market for a while or if you’re planning to list your property soon, consider upgrading your home to make it more appealing to buyers.

Look to NASA Federal for a Home Equity Loan or Line of Credit to finance your projects. Home improvements, landscaping, additions—the list of possible improvements is endless! Borrow up to $400,000 and pay no points or closing costs*! Apply online at nasafcu.com/apply or call 301-249-1800 or toll-free 1-888-NASA-FCU (627-2328).

*No closing cost offer available one time only per property. Closing costs must be repaid if Line is closed before 24 months.

Cherry Blossom Run—A Huge Success

This year’s Credit Union Cherry Blossom 10-Mile Run was a huge success! More than $1 million has been raised for the Children’s Miracle Network this year with local donations going to Children’s National Medical Center in Washington, DC. NASA Federal was proud to be a title sponsor of the event and congratulates our own Team Mercury who finished 2nd out of the 48 teams competing in the Credit Union Team Challenge.

Spring Into Green Rewards

From green travel to eco-friendly merchandise, there is a spring-into-green reward waiting just for you! This Spring, smart shopping starts with the NASA Federal Visa Platinum with CURewards. It’s the card that combines a low fixed rate, rewards with every purchase and real value that other cards just can’t match. Simply enjoy the privilege and convenience of the NASA Federal Visa Platinum card. For every dollar you charge, you earn a point toward a valuable green reward.

Visit nasafcu.com/CURewards for a full selection and descriptions of the merchandise and travel opportunities. To apply for your NASA Federal Platinum with CURewards points, call us at 301-249-1800 or toll-free 1-888-NASA-FCU (627-2328) or apply online at nasafcu.com/apply for 24-hour service. It’s time you rewarded yourself—you’ve earned it!

Extended Hours For Your Convenience

Have questions about your account or loan? We’re here for you with extended hours of operation. To better serve you, representatives will be available to answer your telephone calls:

Monday – Friday: 8:00 a.m. to 6:00 p.m.
Saturday: 9:00 a.m. to 2:00 p.m.

How can we be of service? Call 301-249-1800 or toll-free 1-888-NASA-FCU (627-2328) for more information.

NOTICE: New Member Services Agreement Available

An updated Member Services Agreement is available online at nasafcu.com/terms and in branch offices.