NASA Federal Checking & Savings Accounts

NASA Federal Checking & Savings Accounts give members a cash-back debit checking account, everyday savings, money market and share certificates from a member-owned cooperative. This independent guide explains the deposit lineup at NASA Federal Credit Union (NASA FCU), including how cash-back checking can earn up to $250 a year, current certificate yields and the low fees that come with credit-union banking. It is not the official site.

Because NASA Federal is a not-for-profit, member-owned institution rather than a shareholder bank, earnings flow back to members as higher deposit yields and lower fees. Every deposit account below is federally insured by the NCUA, the U.S. government agency that backs credit-union savings up to at least $250,000 per depositor. To open any of them you first become a member by opening a share savings account — see how membership works.

The lineup is built to cover a full financial life in one place: a checking account for everyday spending, a savings account for the cushion behind it, a money-market tier for larger balances, and share certificates for money you can set aside. Since NASA Federal Credit Union operates as a cooperative, opening one account makes you a part-owner rather than just a customer, and the benefits scale with how much of your banking you bring under one roof.

Deposit accounts at NASA Federal

Checking & savings at a glance

NASA Federal Credit Union has served members since 1949 and now holds roughly $5.8 billion in assets for more than 238,000 members. Deposit accounts are backed by the same federal insurance that protects every U.S. credit union, administered by the National Credit Union Administration.

How the cash-back checking account works

The headline deposit product is cash-back debit checking. Instead of charging a monthly fee, it rewards the debit spending you already do: qualifying signature-based purchases earn a rebate, and members who meet the monthly activity requirements can collect up to $250 over a year. That turns an everyday account into a small but steady return, which is unusual for checking. Pair it with free digital banking and no-surcharge ATM access and the account largely runs itself. If you also carry a card balance, a low-rate NASA Federal Visa keeps the borrowing side inexpensive too.

For savers, the choice comes down to access versus yield. Share savings and money market keep funds liquid, while a share certificate trades that flexibility for a fixed, higher rate — currently as high as 4.38% APY on promotional terms. A common approach is to keep an emergency cushion in savings and ladder certificates for money you will not need soon.

Moving money in and out

To set up direct deposit, automatic transfers or bill pay on a NASA Federal checking or savings account you will need the NASA Federal routing number, 255077833, along with your account number. Our routing-number guide shows exactly where each appears, and the online banking overview walks through transfers, mobile deposit and card controls. When you are ready to apply or sign in, you will do that on the official site — this independent NASA FCU reference only points you there.

NASA Federal Checking & Savings — FAQ

How much can cash-back checking earn?

Up to $250 per year when monthly signature-debit and deposit requirements are met, with no monthly maintenance fee.

What certificate yield is available?

Share certificates run as high as 4.38% APY on promotional terms. Confirm current rates on the rates page.

Do I need a savings account first?

Yes. A membership share savings account opens the relationship, then you can add checking, money market or certificates. See membership.

Are these accounts insured?

Yes. NASA FCU deposits are federally insured by the NCUA, a U.S. government agency, up to applicable limits.