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| IRA & Share Certificate Rates | |||||
Quick Link: Rates Main Page | ||
| The following rates are effective on November 1, 2008, and subject to change without notice. For updated information, inquire at any branch office or contact 301-249-1800. | ||
| IRA/ESA ServicesOpen Account Online | |||
|---|---|---|---|
| Choose From Traditional IRA * Roth IRA * SEP IRA* Education Savings Account(ESA) | |||
| Term | Minimum Opening Balance | APY (Annual Percentage Yield) | Dividend Rate |
| 60 months | $1,000 | 4.35% | 4.27% |
| 48 months | $1,000 | 4.00% | 3.93% |
| 36 months Bump Rate1 | $1,000 | 3.75% | 3.69% |
| 36 months | $1,000 | 3.90% | 3.83% |
| 24 months Bump Rate2 | $1,000 | 3.10% | 3.06% |
| 24 months | $1,000 | 3.35% | 3.30% |
| 12 months | $1,000 | 3.00% | 2.96% |
| Add-On 12 months† | $250 | 2.90% | 2.86% |
| Early Savers 12 months†† | $50 | 3.25% | 3.20% |
| 11 months4 | $5,000 | 4.00% | 3.93% |
| 6 months | $1,000 | 2.85% | 2.81% |
| IRA SavingsOpen Account Online | |||
|---|---|---|---|
| Minimum Opening Balance | APY (Annual Percentage Yield) | Dividend Rate | |
| $5.00 | 0.75% | 0.75% | |
Dividends Compounded: Monthly. Dividends Credited: Monthly. Minimum Balance For Dividends: $1,000 (IRA/ESA Certificate); $0.01 (IRA/ESA Savings). Balance Method: Average Daily Balance. Limitations: Refer to Member Services Agreement. *Fees: Refer to Schedule Of Fees.** | |||
| Share Certificate ServicesOpen Account Online | |||
|---|---|---|---|
| Term | Minimum Opening Balance | APY (Annual Percentage Yield) | Dividend Rate |
| 60 months | $1,000 | 4.35% | 4.27% |
| 48 months | $1,000 | 4.00% | 3.93% |
| 36 month Bump Rate1 | $1,000 | 3.75% | 3.69% |
| 36 months | $1,000 | 3.90% | 3.83% |
| 24 months Bump Rate2 | $1,000 | 3.10% | 3.06% |
| 24 months | $1,000 | 3.35% | 3.30% |
| 12 months | $1,000 | 3.00% | 2.96% |
| Add-On 12 months† | $250.00 | 2.90% | 2.86% |
| Early Savers 12 months†† | $50 | 3.25% | 3.20% |
| 12 months3 Interest First | $1,000 | 3.85% | 3.85% |
| 11 months4 | $5,000 | 4.00% | 3.93% |
| 6 months | $1,000 | 2.85% | 2.81% |
Dividends Compounded: Monthly. Dividends Credited: Monthly. Minimum Balance For Dividends: $1,000. Balance Method: Average Daily Balance. Limitations: Refer to Member Services Agreement. *Fees: Refer to Schedule Of Fees.** | |||
| Health Savings Certificate Services#Open Account Online | |||
|---|---|---|---|
| Term | Minimum Opening Balance | APY (Annual Percentage Yield) | Dividend Rate |
| 12 months | $2,000 | 3.15% | 3.11% |
| 6 months | $2,000 | 2.95% | 2.91% |
Dividends Compounded: Monthly. Dividends Credited: Monthly. Minimum Balance For Dividends: $2,000. Balance Method: Average Daily Balance. Limitations: Refer to Member Services Agreement. *Fees: Refer to Schedule Of Fees.** #Eligibility requirements apply. | |||
* Accounts closed before the end of the dividend period will not receive accrued dividends.
** Fees could reduce earnings.
1Annual Percentage Yield effective November 1, 2008. $1,000 minimum opening balance. One-time option to increase the certificate rate 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.
2Annual Percentage Yield effective Novemberr 1, 2008. $1,000 minimum opening balance. One-time option to increase the certificate rate 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.
3Annual Percentage Yield as of November 1, 2008. Minimum $1,000 deposit. The interest rate is fixed for the agreed period. Dividends will be deposited to the primary savings account approximately 15 days after the certificate is opened. Upon early withdrawal a penalty equal to the amount of interest paid up front will be deducted from the principal balance. This certificate will not automatically renew at term end. The balance will be transferred to the primary savings account on the maturity date. Offer subject to change without notice. NASA Federal reserves the right to limit the dollar amount deposited by a single member. Cannot be combined with any other certificate offer.
4Annual Percentage Yield as of November 1, 2008. Funds must be brought from an external source, must be deposited between November 1, 2008 and November 30, 2008 and must increase your total balance with NASA Federal as compared to your balance in all deposit accounts on October 31, 2008. Minimum $5,000 deposit required. Early withdrawal penalties apply and may reduce earnings. Special certificate renews automatically to a 12-month 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.
†Minimum $250 deposit to open; maximum $2,500 per month add on. Additional deposits of at least $25 must be made by automated means (i.e. account-to-account transfers, eBranch recurring or non-recurring transfers, etc…) but are not required. Early withdrawal penalties apply and may reduce earnings. Additional conditions apply.
††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. Additional conditions apply.
Super Share Certificates ($50,000 minimum) are also available. Please call for more information.
All rates, terms, and availability are subject to change or withdrawal without notice at the discretion of the board of directors. Early withdrawal penalties apply and may reduce earnings.
Share Certificates closed before the end of the dividend period may lose dividends.
