Where is NASA Federal located? Interest rates can go as low as 10.15% APR. Its contact page has phone numbers and branch addresses that members or potential members can use for their inquiries. It’s worth noting, however, that at least, It should be noted that if NASA FCU does pay for the overdraft amount, the member will be charged a, Further, NASA FCU also offers a service called, According to some NASA Federal Credit Union reviews, however, at least, NASA Federal Credit Union’s website does offer several different calculators to allow members to gain more insight about how to better invest their money. While some NASA FCU cards offer unique perks, like 0% APR, secured cards, and rewards credit cards, most cards from the credit union have some of the same benefits. This is a great option for those who don’t have a need for paper checks. NASA Federal Credit Union reviews on a different website say that the service at one particular branch was horrible. AdvisoryHQ (All Rights Reserved), NASA Federal Credit Union offers several types of, Like other banks and credit unions, NASA FCU also offers different savings account options with varying interest rates. If not, then the monthly maintenance fee is $8. This is one large advantage that NASA FCU holds over large banks like Bank of America and Chase: NASA FCU is accountable to the members, not to shareholders. Before deciding which credit card is correct, members should do their due diligence by doing a NASA FCU review of all the credit cards’ rates, fees, and other terms and conditions. Joining NASA FCU provides a free one-year membership in the group and instantly opens membership. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). With just $2 in deposits, the federal credit union now has over $2.8 billion in assets, making it one of the largest credit unions in the United States. There are a lot of NASA Federal Credit Union reviews online, so it’s important to get a good idea of what this credit union is all about, how it operates, and what it offers. NASA credit cards have exceptionally low interest rates, with even the higher APR considerably below the national average. Visa Classic Credit Card: This card is for the person who wants to build up a credit history. A free inside look at company reviews and salaries posted anonymously by employees. Outside of the 14 branches and 5,600 branches it shares with other credit unions, NASA members can access over 30,000 fee-free ATMs via the CO-OP partnership. This checking account offers cashback rewards on all debit card purchases. Most NASA credit cards require a good credit score to qualify. Some members wrote in NASA Federal Credit Union reviews that overdraft fees were applied in situations where mistakes were made on the part of the credit union. It protects members from overdrafts by linking the checking accounts to a savings, money market or cash line of credit. (adsbygoogle = window.adsbygoogle || []).push({}); Copyright © 2015-2021. NASA Federal Credit Union offers members overdraft protection on their checking accounts. Fee applies to overdrafts created by check, in-person withdrawal, or other electronic means. Investment services: NASA Federal Credit Union offers investment services for members looking for increased returns on their money. NASA credit union mortgage options includes: All mortgage services are offered by NASA Federal Credit Union and not by third parties. 1 Negative balance cannot exceed $500 including fees. A free inside look at company reviews and salaries posted anonymously by employees. Review AdvisoryHQ’s, Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. However, there are still a lot of factors to consider when deciding whether or not to use a credit union. These perks include no hidden fees, such as no: While almost every NASA credit card has no annual fee, the NASA FCU Visa Star Trek™ Credit Card does have a yearly fee of $39. The benefit of Account Guardian is that it protects the member when he/she overdraws using a debit card whereas NASA Federal Credit Union’s standard overdraft protection only covers members when the transaction is through a written check. A free inside look at company reviews and salaries posted anonymously by employees. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. NASA FCU has a long history of serving its members with excellent rates and products. Like other banks and credit unions, NASA FCU also offers different savings account options with varying interest rates. Further, the board of the credit union is made up of all volunteers. While you might think NASA Federal Credit Union would be in Cape Canaveral, the headquarters is in Upper Marlboro, … Members of NASA Federal Credit Union have posted their reviews of their individual experiences online. Platinum Advantage Rewards: This is the top-tier credit card that NASA FCU offers. BestCards does not include all card companies or all card offers available in the marketplace. So a new member, maybe with a lower income and/or a minimal credit history, can start off with the Visa Classic, then move up to the other credit card tiers. Yes. 45 Reviews. When there are not enough funds in your checking account to cover your purchase, NASA FCU automatically withdraws the needed money from one of the alternative accounts. Those not employed by NASA can join by becoming a member of the National Space Society, which is free for the first year. Tax Planning: While NASA Federal Credit Union does not offer in-house tax planning services, it does recommend members use a third-party CPA firm to help with everything from real estate transactions to tax advice on significant inheritance transactions and gift giving. It doesn’t take a rocket scientist to apply. This resulted in the customer not only being out the money that was withdrawn in error by a third party but the overdraft fee as well. Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Find the right NASA FCU for you or add your own NASA FCU review. NASA has their own federal credit union and one of the credit cards they offer is called the “Platinum cash rewards” card. See Also: eSmart Reviews (What You Should Know Before Signing up with eSmart). Many customers report feeling satisfied with the products and services offered to them by NASA FCU. Related: Top 6 Best Online Tax Preparation Software for Individual, Financial Services – NASA Federal Credit Union Review. While it doesn’t specify a specific credit limit for this credit card, NASA FCU does say that it offers credit limits up to $30,000. Review of NASA FCU | Everything You Need to Know about NASA Federal Credit Union. You get several advantages for having a Star Trek card. Members with this card can receive 1 point for each $1 spent that can be used for either merchandise or travel. NASA Federal Credit Union Platinum Advantage Rewards Credit Card. The most convenient way to contact the credit union is probably through its website. Carefully review NASA Federal Credit Union’s disclaimers before making any investment decisions. You don’t have to be an astronaut to qualify for one of … The NASA FCU Visa Platinum Cash Rewards Card is a cash back rewards card that earns a solid 1.5% back with every purchase. Transfer Intro APR → 6.9% - 17.99% Until the balance is paid off|Transfer Fee: $0. While you might think NASA Federal Credit Union would be in Cape Canaveral, the headquarters is in Upper Marlboro, Maryland. With the latest technology such as Apple Pay, mobile banking, and mobile deposits, along with deposits at the ATM and cash back on debit card purchases, NASA seems to be a great choice, however, their goods and bads equal out. Mobile banking that’s fast, easy, and secure. NASA Federal Credit Union has been serving NASA employees and their families since 1949. The history of NASA Federal Credit Union (NASA FCU) dates to 1949, and seven scientists. No. Yes. If the member does not qualify, the monthly fee is $7. 2 Annual Percentage Rate (APR) is valid only on balance transfers made within 90-days of account opening for qualified applicants, based on creditworthiness and other factors. The savings account rate is 0.87%, which is lower than what most of … Personal Loans Home Loans Auto Loans. Members looking for other cards, like MasterCard or American Express, will have to go elsewhere. Other banks try to hide fees, while NASA Federal is straight forward. On the other hand, if the overdraft is not paid by NASA Federal Credit Union, then the transaction will be declined. Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. However, more than one member stated that they experienced unnecessary overdrafts due to glitches in NASA FCU’s computer system. Offer checking accounts and savings accounts, apply for Credit cards you ll. Page has phone numbers and branch addresses that members were generally happy their! Union ( NASA FCU for you or add your own NASA FCU Credit,... To deposit at least $ 500 to open an account comprehensive strategy achieve. 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