NASA Federal At A Glance

Membership and eligibility required.

¹ APR=Annual Percentage Rate. Eligibility and Membership in NASA Federal Credit Union required. All offers subject to credit approval. This limited-time offer is subject to change at any time without notice. See Terms and Conditions for additional details.

² No closing cost offer available one time only per property and for primary residence only. Closing costs must be repaid if line is closed before 36 months. For loan amounts of $100,000, closing costs typically range between $1,200 and $2,100. Closing costs can vary based on the location of the property and the amount of the Loan.

³ Amount is capped at $150,000 for loans or lines of credit up to 95% of the home's value and is only available in: CO, CT, DE, DC, FL, GA, MA, ME, MD, MN, NC, NH, OR, PA, RI, VA, VT, WA, and WV. Home Equity Loans and Lines of Credit not available in AK, HI, IA, NJ, NY, and TX. 

⁴ APR = Annual Percentage Rate. APR is based on evaluation of applicant's credit and on associated loan-to-value (LTV) ratio. Your actual APR may vary.
Fixed Equity Loan Example: A $50,000 loan at 6.50% APR for 60 months would have an estimated monthly payment of $978.31. Payments shown do not include taxes or insurance, so your payment may be greater. Other restrictions apply.

⁵ APR = Annual Percentage Rate. Variable rate as low as Prime minus 0.25%. 4.00% Floor Rate regardless of a lower Prime Rate. The APR is a variable rate and is based on the Prime rate as disclosed in The Wall Street Journal plus or minus a margin based on your credit history. The rate is subject to change. Maximum APR is 18%. For loan amounts of $100,000, closing costs typically range between $1,200 and $2,100. Closing costs can vary based on the location of the property and the amount of the loan.
Payment Example: A $100,000 loan at 8.25% APR for 20 years would have an estimated payment of $852.07. Payments shown do not include taxes or insurance, so your payment may be greater. Other restrictions apply.

⁶ APR = Annual Percentage Rate. APR is based on an evaluation of creditworthiness, so your rate may vary. Credit approval required. Membership and eligibility requirements apply. The refinance of an existing NASA Federal Credit Union fixed-rate loan is permitted one time only with a required $1,000 cash out. Verification of current rate is required. The minimum that can be refinanced is $5,000. Rates are higher for older model cars. The APR for model years 2015 - 2020 are 1% higher and model years greater than 10 years (≤ 2014) are 2% higher than the quoted floor or as low as rates. Payment Example: A $20,000 auto loan financed with NASA Federal at 6.09% APR for 63 months will have a monthly payment of $371.71.

⁷ Monthly payment reduction claim is based on average payment reduction our members experience with their new loan (same term or longer) disbursed between 1/1/2023 – 12/31/2023, compared to their prior monthly loan payments. Monthly payment reduction may result from a lower interest rate, a longer term or both. Your actual savings may be different.

⁸ The loan will still accrue interest during the 45-day deferral period.

⁹ APR = Annual Percentage Rate. APR is based on the evaluation of creditworthiness. Rates are subject to change at any time without notice. Special offer floor rate is 9.59% APR for up to 60 months and is reserved for highly qualified individuals. The special offer floor rate for terms of 61-84 months is 10.59% APR. Your actual APR may vary. Membership eligibility requirements apply. Subject to credit approval. Refinance of existing NASA Federal Credit Union fixed-rate loans permitted one time only with a required $1,000 cash out. Maximum aggregate unsecured credit limits cannot exceed $50,000 with NASA Federal Credit Union. This limited-time offer is subject to change at any time without notice. 
Payment Example: A $10,000 personal loan financed with NASA Federal at 9.59% APR for 60 months will have a monthly payment of $210.46.

¹⁰ Your loan maturity date may vary if you participate in skip-a-payment or if you pay more or less than the amount reflected in your payment schedule.

¹¹ The loan will continue to accrue interest during the 60-day payment deferral period.

¹² Funds will be issued upon receipt of all required loan documents.

¹³ All APYs current as of April 1, 2025. Comparison rates are sourced from FDIC.gov.

**A minimum $10,000 of new funds brought from an external source required to open special certificates. Early withdrawal penalties apply and may reduce earnings. 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. Special 9-month Certificate renews automatically to a standard 6-month term at the rate in effect at the time of renewal unless instructed otherwise. Special 15-month Certificate renews automatically to a standard 12-month term at the rate in effect at the time of renewal unless instructed otherwise. Special 49-month Certificate renews automatically to a standard 48-month term at the rate in effect at the time of renewal unless instructed otherwise.