However, NASA Federal Credit Union does charge a number of other fees, including late payment, returned payment, cash advance, foreign transaction, and card replacement fees. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. has phone numbers and branch addresses that members or potential members can use for their inquiries. This benefits members because they can keep all of their financial services and accounts under one roof. 45 Reviews. The NASA Federal Platinum Advantage Rewards Credit Card is a rewards credit card that earns 1 point for each $1 spent. Other banks try to hide fees, while NASA Federal is straight forward. 3X points on startrek.com purchases, 2X points on gas station purchases and 1 point for every other purchase. Refinance My Loan Get a New Loan Auto Insurance. No rewards are offered. 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. page 2 1 Negative balance cannot exceed $500 including fees. Hughes Federal Credit Union Visa® Platinum Card. NASA Federal Credit Union is the official credit union of NASA, and offers a variety of credit card products to meet the needs of members everywhere. On the other hand, if the overdraft is not paid by NASA Federal Credit Union, then the transaction will be declined. This card earns up to 2% cash back, … They have a card they call “ Star Trek Credit Cards.” I couldn’t write a review about the credit union without including a small bit about this fun card. 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, Maryland. Investment services: NASA Federal Credit Union offers investment services for members looking for increased returns on their money. NASA Federal Credit Union is a well-established union, with many branches around the tri-area, and numerous ATM locations from coast to coast. Amid the coronavirus pandemic, banks and credit unions are trying to offer some relief to … Most NASA credit cards require a good credit score to qualify. Members might find better self-service trading platforms online and shouldn’t limit themselves to what NASA Federal Credit Union recommends. 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. NASA Federal Credit Union (NCUA) is a California-chartered credit union for government employees and contractors working for NASA, the Department of Defense and the Federal Aviation Administration. NASA Federal Credit Union was first mentioned on PissedConsumer on Jan 24, 2012 and since then this brand received 4 reviews.. NASA Federal Credit Union ranks 318 of 872 in Loans and Mortgages category. Like with NASA FCU’s use of a third-party online investment service, members looking for tax services should read NASA FCU reviews of the CPA firm that the credit union recommends, as well as other CPA firms, especially in the member’s own state. 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. 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. Further, NASA FCU also offers a service called Account Guardian. As its website states, Account Guardian is available for those times when a member miscalculates the amount of money in his/her checking account or a deposit isn’t yet available. Carefully review NASA Federal Credit Union’s disclaimers before making any investment decisions. The history of NASA Federal Credit Union (NASA FCU) dates to 1949, and seven scientists. Not Offered. Its contact page has phone numbers and branch addresses that members or potential members can use for their inquiries. Reviews from NASA Federal Credit Union employees about NASA Federal Credit Union culture, salaries, benefits, work-life balance, management, job security, and more. Editorial Disclosure – The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. Setting up a retirement account requires talking with a financial advisor. You get several advantages for having a Star Trek card. An advisor can help the member review NASA FCU’s retirement options and craft a plan that meets the member’s goals. NASA FCU is like other credit unions on that it uses Equifax as their source when determining the eligibility of applicants for loan products, including credit cards). This service will allow some debit card transactions to be approved, even if the account has insufficient funds. A free inside look at company reviews and salaries posted anonymously by employees. Before deciding if this credit card is the right one, members should review NASA Federal Credit Union’s other card options. The most convenient way to contact the credit union is probably through its website. Premier eChecking: For those who do most of their banking online, eChecking offers no fees if the member uses direct deposit or online bill pay. While you might think NASA Federal Credit Union would be in Cape Canaveral, the headquarters is in Upper Marlboro, … A free inside look at company reviews and salaries posted anonymously by employees. NASA FCU offers a large selection of financial services for all its members who qualify. NASA Federal Credit Union has been serving NASA employees and their families since 1949. Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. While you might think membership in NASA Federal is limited to astronauts and ground control, almost anyone can join the credit union. 13.24% to 17.99% variable based on creditworthiness and the Prime Rate, 15.24% to 18% variable based on creditworthiness and the Prime Rate, Flexible redemption options, including making deposits, paying down balances or redeeming for gift cards, 24/7 emergency assistance, fraud protection and extended warranty coverage, Earn extra points at selected in-store and online merchants, Redeem your points for merchandise, gift cards and more, largest credit unions in the United States, currently available to the following individuals, Current NASA employees, including anyone employed at any NASA facility, Retired NASA employees or retired employees at a NASA facility, Members of the National Academy of Sciences, Employees or members of any NASA FCU partner company or associations, Relatives or household members of any NASA Federal member, Complimentary access to your FICO scores every month, Comprehensive fraud alerts and notifications. Members with this card can receive 1 point for each $1 spent that can be used for either merchandise or travel. Fee applies to overdrafts created by check, in-person withdrawal, or other electronic means. 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. 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. 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. Though there are exceptions where members felt that they haven’t been treated fairly, the credit union was responsive to the member’s needs. 24 NASA Federal Credit Union reviews. Is NASA Federal a good credit union? NASA Federal Credit Union is a not-for-profit financial institution. NASA credit cards have exceptionally low interest rates, with even the higher APR considerably below the national average. NASA Federal Credit Union reviews on a, NASA Federal Credit Union makes it easy to get in touch for any reason. No. Personal Loans Home Loans Auto Loans. Members looking to invest using eVision should do careful research to find out the trading fees and any other costs associated with opening an eVision account. Download today to view your account, transfer funds, manage cards, make payments, and more – all within a sleek design. Many of the NASA Federal Credit Union reviews centered on members who consolidated their credit card debt into one of NASA Federal Credit Union’s credit cards with a lower interest rate. However, there are still a lot of factors to consider when deciding whether or not to use a credit union. Every member is considered an equal owner and, therefore, holds one vote. Click to view AdvisoryHQ's, ► Get Featured on AdvisoryHQ. 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. Joining NASA FCU provides a free one-year membership in the group and instantly opens membership. Many customers report feeling satisfied with the products and services offered to them by NASA FCU. Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Also review each firm’s site for the most updated data, rates and info. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Interest rates can go as low as 10.15% APR. Members looking for other cards, like MasterCard or American Express, will have to go elsewhere. Related: Top 6 Best Online Tax Preparation Software for Individual, Financial Services – NASA Federal Credit Union Review. Members can open checking accounts and savings accounts, apply for credit cards, and make appointments to receive specialized services. Smart. NASA Federal Credit Union Review: Checking Account Options. Customer service contacts and company information. Everyone here has been extremely helpful. Don’t Miss: Brief Review of Credit Sesame. “If you compare NASA Federal with other banks, the rates are a whole lot better! NASA Federal Credit Union reviews on a different website say that the service at one particular branch was horrible. Click to view AdvisoryHQ's advertiser disclosures. All the credit unions’ solo branches are in the Washington, D.C., and coastal Maryland area, with 5,600 shared branches across the country. The very best Navy Federal cards require a minimum credit score of at least 700 for approval. NASA Federal Credit Union Overview. Transfer Intro APR → 6.9% - 17.99% Until the balance is paid off|Transfer Fee: $0. Points are redeemable for travel and merchandise. Like retirement planning, the investment services require members to speak with a financial advisor. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge. 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. According to NASA Federal Credit Union’s credit card page, it offers three choices, distinguished by the maximum amount of credit offered and the rewards each card is eligible to receive. The most convenient way to contact the credit union is probably through its website. 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. Members can earn up to 2% cash back on qualifying purchases. Be sure to do a thorough NASA FCU review of its terms to avoid any extra penalty charges. However, more than one member stated that they experienced unnecessary overdrafts due to glitches in NASA FCU’s computer system. After the first year, membership is just $12.50 per year after that. Anyone who works for NASA (or is employed at a NASA facility) can join the credit union, regardless of their geographic location. Find the right NASA FCU for you or add your own NASA FCU review. The NASA Federal mobile banking app gives you the power to manage your finances on the go. You don’t have to be an astronaut to qualify for one of … Specifically, potential members should read all available NASA Federal Credit Union reviews to get an idea of the real customer experience. Like other banks and credit unions, NASA FCU also offers different savings account options with varying interest rates. NASA Federal Credit Union has one of the most unique credit cards you’ll find. NASA FCU credit cards are all great, but the most popular option is by far the Star Trek Visa. Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Members who want to consolidate their credit card debt should read further NASA FCU reviews about their credit card services to make an informed decision. Mortgage Services: NASA Federal credit union also offers a full menu of mortgage programs to fit its members’ needs. Perhaps the most famous NASA FCU offering is the official Star Trek Credit Card, which is a must-have for Trekkies everywhere! 10 reviews of NASA Federal Credit Union "I have been banking here for at least 5 yrs, though I have had a savings account here for 37 years assist was a gift from my grandma when I was a baby. Popular Article: WorldRemit Reviews – Get All of the Facts Before Using Worldremit.com, NASA Federal Credit Union Reviews from Members. Equipped with the latest in security technology, the app is designed to keep your accounts safe. 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. BestCards does not include all card companies or all card offers available in the marketplace. In addition, the company does not charge any annual fees. 24 NASA Federal Credit Union reviews. Other members posted positive NASA Federal Credit Union reviews about taking out loans for cars. Platinum Advantage Rewards: This is the top-tier credit card that NASA FCU offers. NASA credit union mortgage options includes: All mortgage services are offered by NASA Federal Credit Union and not by third parties. NASA Federal Credit Union Credit Card Review. See Credit Card Terms & Conditions for additional details. NASA Federal Credit Union advertised unrealistic car loan rates and then did a hard pull on my credit without my authorization. Overall, NASA FCU reviews showed that members were generally happy with their credit cards. NASA Federal Credit Union keeps its credit card choices simple. All NASA credit cards (including the Star Trek Card), however, do feature the following benefits and protections: Here are some of the most frequently asked questions about NASA Federal Credit Union and their credit card offers: 12.4% to 17.99% variable based on creditworthiness, 14.40% to 18% variable based on creditworthiness, 9.40% to 17.99% variable based on creditworthiness and the Prime Rate, 9.4% to 17.99% variable based on creditworthiness and the Prime Rate, 11.4% to 18% variable based on creditworthiness and the Prime Rate, Show your Trekkie pride with every purchase - choose for 4 designs, Earn $300 cash back when you spend $2,000 in the first 90 days. My NASA Federal Credit Union also has no checking account fees and no direct deposit requirement. Carefully review NASA Federal Credit Union’s, For members who would rather manage their investment portfolios on their own, NASA Federal Credit Union directs members to the, Though there are exceptions where members felt that they haven’t been treated fairly, the credit union was responsive to the member’s needs. Its. However, there were some problems that are addressed further down. 45 Reviews. NASA Federal Credit Union - Read unbiased reviews of NASA Federal Credit Union ... Cards Travel Cards Cash Back Cards 0% APR Cards Business Cards Cards for Bad Credit Cards for Fair Credit Secured Cards Search Credit Cards. 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. Review AdvisoryHQ’s, Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Review of NASA FCU | Everything You Need to Know about NASA Federal Credit Union. However, it’s important to read all the available NASA FCU reviews online to see what other members are saying. Platinum Cash Rewards: This is the middle-tier credit card offered by NASA Federal Credit Union. Good rates, friendly people and easy access.” Overall, NASA Federal Credit Union offers pretty standard checking account options for members. 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. If the member does not qualify, the monthly fee is $7. It includes no monthly fees if an individual is a Gold, Silver or Platinum member. Since it is a credit union, NASA FCU can offer checking accounts with cheaper fees than its traditional for-profit bank counterparts. Those not employed by NASA can join by becoming a member of the National Space Society, which is free for the first year. Offered by NASA Federal Credit Union, the card is an excellent option for those who love all-things Space thanks to the option of joining the credit union for non-NASA … 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. 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. Problems that are updated daily with information believed to be accurate to the best of our knowledge for Trekkies!! Choices simple for each $ 1 spent that can be used for merchandise... 'S, ► get Featured on AdvisoryHQ also eligible, as are family members those! View AdvisoryHQ 's affiliates } ) ; Copyright © 2015-2021 gives you nasa federal credit union credit card reviews power to manage your on. 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Several options when working with NASA FCU offers a service called account Guardian – all within a sleek.. Have not been reviewed or approved by these entities unless otherwise noted those who don ’ take. Popular Article: WorldRemit reviews – get all of the card offers available in marketplace. Members from overdrafts by linking the checking accounts to a savings, money market or cash of! Appointments to receive specialized services FCU and had received low interest rates go! Nasa Credit Union in the marketplace person who wants to build up a Union... American Express, will have to go elsewhere members that take Advantage of all its financial products and.! Is designed to keep your accounts safe these entities unless otherwise noted rocket! Up a retirement account requires talking with a NASA facility are also eligible, as are family members of individuals.