FEBRUARY 2012

NASA FCU Offers the Tax Tools and Solutions You Need

Who knows when we’ll see mortgage rates like these again! Rates are at all-time lows—and NASA FCU has the loan programs, expertise and pricing options to fit your home loan needs.

Whether you’re looking to purchase a new home or refinance your existing mortgage, NASA FCU provides many specialized options, such as First-Time Homebuyer, 100% LTV Purchase*, 95% LTV Refinance*, FHA and VA Mortgages. We also offer fixed and adjustable rate and no-points options, loans up to $850,000, and an easy online application process. Plus, you’ll experience friendly, reliable service you can trust.

NASA FCU mortgage rates are great! Visit nasafcu.com/mortgages, stop by any branch, or call us at 301-249-1800, ext. 207 to speak with a Mortgage Loan Specialist about applying for a new mortgage or refinancing an existing mortgage with NASA FCU today.

*Offers limited to well-qualified applicants. Some restrictions may apply. Offers valid for primary residences only. Speak with a NASA FCU First Mortgage Loan Specialist for loan details and rates. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

It’s that time of year again…tax season. By focusing on your finances now, you could gain a valuable tax break and a tax-deferred return on your savings that will help you build a more secure retirement.

We’ve got the solutionsNASA FCU offers both Traditional and Roth IRAs to meet your retirement investment needs. Choose from Traditional options like an IRA Share Savings Account, an IRA Share Certificate, an IRA Money Market Account or our Bump-Rate Certificate. With our IRA Bump-Rate Certificate, you get a double bonus—an attractive rate today, plus the option to bump up your rate in the future if rates rise during the term of the certificate.

A Roth IRA can also be a great option if your tax bracket is lower now than it will be when you retire. That’s because a Roth IRA allows you to pay taxes at the time of your contribution rather than withdrawal.

For this tax year, you can contribute up to $5,000 ($6,000 if age 50 or over) of your earned income to an IRA, through April 17, 2012. The exact amount will depend upon your income, type of IRA you choose, and whether or not you have access to a qualified retirement plan at work.

Investment professionals are available*To help you determine which investment vehicles best suit your needs, a CFS* Financial Advisor at NASA FCU is standing by. When you turn to a Financial Advisor at NASA FCU, you’re tapping into the experience and knowledge of a full-service investment professional registered through CFS. No matter what type of retirement account you choose, a Financial Advisor will work with you by phone or in person to design a comprehensive financial plan to help you reach your retirement goals and retire with confidence.

Contribute, quickly and painlesslyIf you plan to fund your new IRA with your 2011 tax return money, be sure to direct deposit it to your NASA FCU account so you can enjoy the expedited access to the funds delivered through EarlyAccess Payroll™. If not, smaller, monthly IRA deposits are also a great way to save for retirement painlessly, so set up your direct savings plan today.

Contact usNASA FCU has the products and expertise to help you make the most of this year’s tax season. So what are you waiting for? Speak with a CFS Financial Advisor* at NASA FCU today about the full range of retirement planning services offered at NASA FCU. Visit us at nasafcu.com/investmentservices to schedule an appointment. *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. NASA Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

CUSO Financial Services, L.P. (CFS) and its Registered Representatives do not provide tax advice. Clients should obtain their own independent tax advice from a qualified tax professional.

LET US HELP YOU MAKE THE MOST OF TAX SEASON

Traditional IRA Profile Roth IRA Profile

• Contributionsaretax-deductibledependingon income level

• Contributionsarenottax-deductible

• Withdrawalsmaybeginatage59½andaremandatoryby70½

• Thereisnomandatorydistributionage

• Taxesarepaidwhendisbursementsaremadefrom the IRA

• Allearningsandprincipalare100%taxfreeifrules and regulations are followed

• Fundscanbeusedtopurchaseavarietyoffinancial products

• Fundscanbeusedtopurchaseavarietyoffinancial products

• Allfundswithdrawn(includingprincipalcontributions)before59½aresubjecttoa10% penalty

• Principalcontributionscanbewithdrawn any time without penalty (some restrictions may apply)

2011 CONTRIBUTION LIMITS FOR TRADITIONAL AND ROTH IRAS

LOCK IN A LOW-RATE MORTGAGE WITH NASA FCU

Who knows when we’ll see mortgage rates like these again! Rates are at all-time lows—and NASA FCU has the loan programs, expertise and pricing options to fit your home loan needs.

Whether you’re looking to purchase a new home or refinance your existing mortgage, NASA FCU provides many specialized options, such as First-Time Homebuyer, 100% LTV Purchase*, 95% LTV Refinance*, FHA and VA Mortgages. We also offer fixed and adjustable rate and no-points options, loans up to $850,000, and an easy online application process. Plus, you’ll experience friendly, reliable service you can trust.

NASA FCU mortgage rates are great! Visit nasafcu.com/mortgages, stop by any branch, or call us at 301-249-1800, ext. 207 to speak with a Mortgage Loan Specialist about applying for a new mortgage or refinancing an existing mortgage with NASA FCU today.

*Offers limited to well-qualified applicants. Some restrictions may apply. Offers valid for primary residences only. Speak with a NASA FCU First Mortgage Loan Specialist for loan details and rates. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

It’s that time of year again…tax season. By focusing on your finances now, you could gain a valuable tax break and a tax-deferred return on your savings that will help you build a more secure retirement.

We’ve got the solutionsNASA FCU offers both Traditional and Roth IRAs to meet your retirement investment needs. Choose from Traditional options like an IRA Share Savings Account, an IRA Share Certificate, an IRA Money Market Account or our Bump-Rate Certificate. With our IRA Bump-Rate Certificate, you get a double bonus—an attractive rate today, plus the option to bump up your rate in the future if rates rise during the term of the certificate.

A Roth IRA can also be a great option if your tax bracket is lower now than it will be when you retire. That’s because a Roth IRA allows you to pay taxes at the time of your contribution rather than withdrawal.

For this tax year, you can contribute up to $5,000 ($6,000 if age 50 or over) of your earned income to an IRA, through April 17, 2012. The exact amount will depend upon your income, type of IRA you choose, and whether or not you have access to a qualified retirement plan at work.

Investment professionals are available*To help you determine which investment vehicles best suit your needs, a CFS* Financial Advisor at NASA FCU is standing by. When you turn to a Financial Advisor at NASA FCU, you’re tapping into the experience and knowledge of a full-service investment professional registered through CFS. No matter what type of retirement account you choose, a Financial Advisor will work with you by phone or in person to design a comprehensive financial plan to help you reach your retirement goals and retire with confidence.

Contribute, quickly and painlesslyIf you plan to fund your new IRA with your 2011 tax return money, be sure to direct deposit it to your NASA FCU account so you can enjoy the expedited access to the funds delivered through EarlyAccess Payroll™. If not, smaller, monthly IRA deposits are also a great way to save for retirement painlessly, so set up your direct savings plan today.

Contact usNASA FCU has the products and expertise to help you make the most of this year’s tax season. So what are you waiting for? Speak with a CFS Financial Advisor* at NASA FCU today about the full range of retirement planning services offered at NASA FCU. Visit us at nasafcu.com/investmentservices or call 301-249-1800, or toll-free at 1-888-NASA-FCU (627-2328), ext. 314, to schedule an appointment. *Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. NASA Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

CUSO Financial Services, L.P. (CFS) and its Registered Representatives do not provide tax advice. Clients should obtain their own independent tax advice from a qualified tax professional.

LET US HELP YOU MAKE THE MOST OF TAX SEASON

Traditional IRA Profile Roth IRA Profile

• Contributionsaretax-deductibledependingon income level

• Contributionsarenottax-deductible

• Withdrawalsmaybeginatage59½andaremandatoryby70½

• Thereisnomandatorydistributionage

• Taxesarepaidwhendisbursementsaremadefrom the IRA

• Allearningsandprincipalare100%taxfreeifrules and regulations are followed

• Fundscanbeusedtopurchaseavarietyoffinancial products

• Fundscanbeusedtopurchaseavarietyoffinancial products

• Allfundswithdrawn(includingprincipalcontributions)before59½aresubjecttoa10% penalty

• Principalcontributionscanbewithdrawn any time without penalty (some restrictions may apply)

2011 CONTRIBUTION LIMITS FOR TRADITIONAL AND ROTH IRAS

LOCK IN A LOW-RATE MORTGAGE WITH NASA FCU

NASA FCU Offers the Tax Tools and Solutions You Need

CALENDARAll NASA FCU offices will be closed for the following holidays:

n Monday, February 20: President’s Day

All NASA FCU offices are closed.

WHEREVER YOU ARE, WHENEVER YOU NEED US…

eBranch Online Banking: Access your accounts from the convenience of your home, office or wherever you have an Internet connection. Transfer funds, check balances, review statements, view and print both sides of cleared checks, transfer money between accounts, open share certificates, apply for a loan and more.

BillPay+: Through BillPay+, you can access and pay your bills via your desktop, from wherever you have Internet access, enabling you to avoid the cost and hassle of mailing paper checks or driving to the post office. Plus, you can save even more time and money through features such as Person-to-Person Payments, eBills, GiftPay, and more.

Mobile Banking: Take the next step in banking convenience. Mobile Banking gives you added convenience and control over your finances on-the-go. Perform secure banking transactions with complete confidence in the way that best fits your lifestyle and mobile device. To enroll or view an online demo, visit nasafcu.com/MobileBanking.

Mobile Remote Deposit: When receiving checks, why not deposit them on the spot? With Mobile Remote Deposit*, you can deposit checks using your iPhone® or Android™ device. Visit nasafcu.com/MobileRD for an online demo.

CU Service Centers: Our continued partnership with the Shared Branch Network gives you access to over 6,700 full-service, deposit-taking locations in the U.S. To find a CU Service Center near you, visit nasafcu.com/locations.

Surcharge-Free ATMs: Enjoy greater convenience and access to your cash 24/7. Forget paying surcharge fees when you see the CO-Op logo at more than 28,000 ATMs, including 5,500 7-Eleven® locations.

Call 1-888-NASA-FCU (627-2328), ext. 203: Monday through Friday, 8:00 a.m.-6:00 p.m. EST, and Saturday 9:00 a.m.-2:00 p.m. EST.

*Eligibility for Mobile Remote Deposit is subject to Credit Union approval. NASA FCU does not charge a fee for the use of NASA FCU Mobile Banking or Mobile Remote Deposit. Your mobile service carrier or provider may impose data usage or text message charges for your use of, or interactions with, Mobile Banking or Mobile Remote Deposit. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google Inc. NASA FCU is not endorsed, sponsored, affiliated with or otherwise authorized by Apple, Inc. or Google Inc.

ACCOUNT GUARDIAN HAS YOU COVERED It happens to the best of us. You make an arithmetic error in your checkbook. You come up short of cash two to three days before payday. Or perhaps unexpected emergencies like car repairs emerge at just the wrong time. Whatever the case may be, Account Guardian has you covered.

With Account Guardian, you’ll enjoy peace of mind when:nFunds can’t be deposited until later in

the day and there are insufficient funds in your account

nYou inadvertently miscalculate your available balance and overdraw your account

nFunds are needed for an unforeseen emergency

nA recent deposit is not available

Plus, there is no fee to include Account Guardian protection on eligible* accounts, an overdraft fee is incurred only when you use the protection, and you can cancel at any time without a fee.

So learn more today! Visit nasafcu.com/guardian for more information. Or, call 301-249-1800, or toll-free at 1-888-NASA-FCU (627-2328), ext 203.

*Account Guardian eligibility is subject to Credit Union approval.

We’re Making a Difference in the CommunityCherry Blossom RunEach year in April, NASA FCU is a title sponsor of the Cherry Blossom 10-Mile Run. This April 1,

We’re Making a Difference in the Community

Each year in April, the Credit Union Cherry Blossom Ten Mile Run in Washington, D.C. brings together credit unions from across the country with the shared vision of fundraising and helping children. The proceeds from this event support the 170 Children’s Hospitals that belong to Children’s Miracle Network Hospitals.

On April 1, NASA FCU will once again participate. In 2011, more than 16,000 runners helped raised over $5 million. Team NASA FCU knows 2012 will be the best year ever, and we’re gearing up in the coming months to make sure of it.

CHERRY BLOSSOMT E N M I L E R U N

FEBRUARY 2012

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other partyassumes liability for loss for damage due to reliance on this material. Loans subject to credit approval. © 2011 NASA Federal Credit Union.

ACCOUNT GUARDIAN HAS YOU COVERED It happens to the best of us. You make an arith-metic error in your checkbook. You come up short of cash two to three days before payday. Or perhaps unexpected emergencies like car repairs emerge at just the wrong time. Whatever the case may be, Account Guardian has you covered.

With Account Guardian, you’ll enjoy peace of mind when:n Funds can’t be deposited until later in

the day and there are insufficient funds in your account

nYou inadvertently miscalculate your available balance and overdraw your account

n Funds are needed for an unforeseen emer-gency

nA recent deposit is not available

Plus, there is no fee to include Account Guardian protection on eligible* accounts, an overdraft fee is incurred only when you use the protection, and you can cancel at any time without a fee.

So learn more today! Visit nasafcu.com/guardian for more information. Or, call 301-249-1800, or toll-free at 1-888-NASA-FCU (627-2328), ext 203.

*Account Guardian eligibility is subject to Credit Union approval.

LOCATIONS