Archive for Personal Finance

New & Used Auto Loans

Auto Loans

Apply Online for Low Rates and a Quick Approval Process

Capture2We offer some of the lowest rates around and can help make the application process a smooth ride. So, let NASA FCU be your one-stop shop for all your auto loan financing needs. Apply online, visit any branch or call us at 1-888-NASA-FCU, ext. 203.

  • Get pre-approved so you can shop with negotiating power
  • Enjoy fast, free online auto loan application
  • Choose from flexible terms up to 75 months
  • Calculate savings with our online payment tools

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Refinance Your Auto Loan with NASA FCU and We’ll Beat Your Current APR by 2%*

It’s simple, quick and straightforward.

Auto LoanRates as low as 1.49%*

Imagine the savings

Apply online

It’s easy and you’ll get an immediate response

Call us at 1-888-NASA-FCU (627-2328), ext. 222

It only takes minutes to see what you could save

 

*APR = Annual Percentage Rate. Subject to credit approval. Special offer floor rate is 1.49% Annual Percentage Rate (which includes a .25% discount for Auto Pay), otherwise 1.74% for up to 36 months and is reserved for highly qualified individuals financing a 2012 or newer vehicle. The special offer floor rate for terms of 37-63 months is 1.99% (which includes a .25% discount for Auto Pay), otherwise 2.24%. Additional restrictions apply for finance terms over 63 months. Call for details. Payment Example: A $20,000 auto loan financed with NASA FCU at 2.49% APR for 63 months will have a monthly payment of $338.99.

^Monthly payment reduction claim is based on average payment reduction our members experience with their new loan (same or a long term) disbursed between 7/12/12 – 3/29/13, 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.

Onsite Financing at Local Dealers

Whether you’re planning to buy new or used, a sedan or SUV, hybrid or diesel, NASA FCU’s dealer affiliations ensure you’ll enjoy some of the best car prices around—all from the comfort of the dealership.

  1. Visit any dealer and choose your car from more than 60 makes and models
  2. Request Here & Now Financing for your car
  3. Finalize your NASA FCU loan right at the dealership

It’s that easy! So what are you waiting for? Take advantage of great auto deals through NASA FCU’s Here & Now Program today! Soon you’ll be cruising home in your new ride—at a price you thought possible only in your dreams.

PLUS, save even more by visiting one of our Platinum Plus Dealers.

For more car-buying articles—including Does the Car Fit You? and Protect Yourself From Flood Damaged Vehicles, visit Platinum Plus online, or pick up your free Auto Purchase & Research Guide at any NASA FCU Branch.

Save time & money by reading the new issue of the Platinum Plus Auto Purchase & Research Guide today!

Fuel Economy of a New Car

Fuel Economy

The fuel economy figures printed on a vehicle’s window sticker and in automaker advertising and brochures are estimates based on a test created by the Environmental Protection Agency (EPA). For each vehicle, there are two figures:

> City—represents urban driving, in which a vehicle is started in the morning and driven in stop-and-go rush-hour traffic.

> Highway—represents a mix of rural and interstate highway driving in a warmed-up vehicle, typical of longer trips in free-flowing traffic.

Based on dynamometer testing, these figures provide a way of comparing the gas mileage of different models. All EPA fuel-economy estimates can be accessed at fueleconomy.gov and they are also included on the ConsumerReports.org car model pages.

In Consumer Reports’ real-world fuel-economy testing, we’ve found that EPA estimates have typically been higher than you’re likely to get in normal driving. That’s why Consumer Reports conducts several different fuel-economy tests of their own, including separate city and highway driving loops. Vehicle speeds and atmospheric conditions are carefully monitored to ensure consistency. Fuel is measured by splicing a fuel meter into the vehicle’s fuel line.

The EPA revised its testing methods starting with the 2008 model year. Additional tests to account for faster speeds and acceleration, air-conditioner use, and colder outside temperatures have been added to the city and highway tests. The EPA has also said that mileage estimates have been adjusted downward to account for wind and road surface resistance, factors that can’t be replicated in the testing procedure.

Regardless of where the original figures come from, a vehicle’s fuel economy is not a constant or fixed number; it depends on driving styles and conditions, and will vary over time.

Article reprinted courtesy of Consumer Reports.

2013 Cherry Blossom Run

Cherry Blossom Run

On April 7, 2013, approximately 70 NASA FCU volunteers and 89 NASA FCU runners participated in the 10-Mile Credit Union Cherry Blossom Run. Each year, the event brings together credit unions from across the country in support of the Children’s Miracle Network. The 2013 Washington, D.C.-based event raised another $500,000, bringing the total amount raised to $6.5 million since credit unions became the title sponsors in 2002.

Financial Aid Webinar Recording

Watch the recording of our 2013 Financial Aid Webinar — College Financing 101: Understanding Your Award Letter

Financial aid expert Melissa Hunt discusses the financial aid process, understand your award letter, maximizing assistance options and more:

  • Gain a deeper understanding of award letters (including common types of financial aid)
  • Learn what to consider when comparing award letters
  • Discover how to determine true need
  • Learn how to appeal an award letter

For more information, speak with a Student Loan Specialist at 1-800-322-8816, or learn more online.

Financial Aid Webinar

Financial-Aid-WebinarCollege Financing 101: Understanding Your Award Letter

Wednesday, April 17, 2013 7:00 PM – 8:00 PM EDT

As you receive financial aid award letters, taking time to fully understand your options is critical. Join us for this educational presentation led by financial aid expert Melissa Hunt. Attendees will:

  • Gain a deeper understanding of award letters (including common types of financial aid)
  • Learn what to consider when comparing award letters
  • Discover how to determine true need
  • Learn how to appeal an award letter

Space is limited, so you must register to attend this Free webinar. Register now.