![]() ![]() Membership required: While NASA FCU membership isn’t restricted to a limited geographic area like other credit unions, you’ll still need to come up with $5 to deposit to become a member.But if you need more than NASA Federal Credit Union offers, some other lenders go as high as $100,000. Middling maximum loan amount: The lender offers loans up to $30,000.Minimum interest rate is a bit high: While the federal credit union offers a below-average interest rate for borrowers with excellent credit, you may get an even lower interest rate with an online personal loan.The credit union provides a free nonprofit organization membership-which also meets a requirement for credit union membership-for those without a connection to NASA. But to become a member, you also need to qualify. Easy to join: Borrowing from NASA Federal Credit Union automatically enrolls you as a member.Competitive interest rates: NASA Federal Credit Union’s rate maxes out at the 18% limit set by the National Credit Union Administration (NCUA), no matter your credit score.Offers pre-qualification: While the credit union doesn't provide loan eligibility criteria upfront, you can gauge your approval odds and view potential offers with a soft credit check, which won't impact your credit score.While some lenders may go even lower than that, it's still better than some of the best personal loans on the market. Low minimum loan amount: You can borrow as little as $1,000 with NASA Federal Credit Union. ![]()
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