Open a Certificate for What Matters Most
Certificates are a great way to safely tuck away savings and lock-in a fixed high APY. Whether you want to protect current assets or plan for the future – you don’t need a big deposit, and you have several great options for savings:
SHARE CERTIFICATES
- Flexible deposit terms from 6 months to 5 years
- Fixed APY1 and guaranteed rate of return for the full term
- Ability to borrow against your funds in times of need
Select to View Rates »
Open a share certificate online today and lock-in a fixed APY.1 for shared certificates.
Select to Open Account for shared certificates.
HIGH-YIELD CERTIFICATES
- Get up to 4.23% APY1 on select Certificate terms
- Choose from 9, 15, and 49-month certificate terms available2
- Bigger dividends with yields among the highest in the nation1
Select to View High-Yield Certificate Rates »
Maximize earnings with high-yield certificate rates among the highest in the nation.1 for shared certificates.
Select to Open Account for high-yield certificates.
EARLY SAVERS CERTIFICATES
(Age 23 & Under)
- Available for Members 23 and under*
- Open with only $50 minimum deposit
- Additional contributions accepted during term
- Perfect for starting to save for your child's future
Select to View Early Savers Certificate Rates »
Start a youth certificate (ages 23 and under) with a $50 minimum deposit. for shared certificates.
Select to Open Account for shared certificates.
ADD-ON CERTIFICATES
- Low $250 minimum deposit
- Short, 12-month term
- Add up to $2,500 per month throughout the term
- Ideal for a low, initial deposit but will have funds in the future
Select to View Add-On Certificate Rates »
Open a 12-month Add-On Certificate with a low minimum deposit and ability to add funds. for add-on certificates.
Select to Open Account for add-on certificates.
PREMIER BUMP-RATE CERTIFICATES
- 24 or 36 month certificate term
- One-time rate increase request during the term
- $1,000 minimum opening balance
- Great option if you want to have control over your rate
Select to View Premier Bump-Rate Certificate Rates »
Choose a Bump-Rate Certificate with a one-time rate increase at 24 or 36 months. for premier bump-rate certificates.
Select to Open Account for premier bump-rate certificates.
HSA CERTIFICATES
- Available for eligible Health Savings Account (HSA) funds
- Earn higher dividends on HSA funds with a 6 or 12 month term
- $2,000 minimum opening balance
- Ideal for HSA dollars outside of yearly out of pocket maximums
Select to View HSA Certificate Rates »
Choose a HSA Certificate with eligible funds. for a HSA certificate.
Select to Open Account for a HSA certificate.
Certificate Dividend Calculator
See how much your Share Certificate will earn with our Certificate Dividend Calculator.
Frequently Asked Questions
Are CDs and Share Certificates the same?
Certificates of Deposit (CDs) and Share Certificates are both time-based deposit products offering fixed interest rates. The key difference lies in the institution offering them: CDs are issued by banks and are typically insured by the FDIC, while share certificates are offered by credit unions and are tyipcally insured by the NCUA. Despite the naming difference, they function nearly identically.
How often are dividends credited and compounded?
NASA Federal Certificate dividends are credited and compounded monthly using the average daily balance method. However, early withdrawal penalties apply and may reduce earnings.
What is a Certificate ladder and when does it make sense?
A Certificate ladder is a strategy where you open multiple certificates with varying term lengths and rates/APYs. By selecting products with staggered maturity dates, you have regular access to funds while earning more on longer terms. It's ideal for balancing liquidity and returns.
How can you offer Certificate yields that are among the highest in the nation?
We are a not-for-profit cooperative built to provide benefits directly to our members, not stockholders. This is how we can offer lower rates and fewer fees on loans and yields that are among the highest in the nation.
Open Your Account
Open your Certificate and start earning dividends today!
That's smart. NASA Smart!
Terms & Conditions
View Terms and Conditions to determine which option is best for you and your goals.
*Upon age 24, certificate rolls to a standard 12-month term
1 APY = Annual Percentage Yield. All APYs current as of October 1, 2025. Comparison rates are sourced from FDIC.gov.
2 A minimum $10,000 required to open all 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 49-month Certificate renews automatically to a standard 48-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 9-month Certificate renews automatically to a standard 6-month term at the rate in effect at the time of renewal unless instructed otherwise.
Membership Eligibility Requirements Apply.
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