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Nassau Financial Federal Credit Union Rates & Review April 2026

Nassau Financial Federal Credit Union's 7 month Personal CD rates are at 3.75%, 7 month Personal CD rates are at 3.50%, 36 month Personal CD rates are at 3.00%, 60 month Personal CD rates are at 2.75%, 48 month Personal CD rates are at 2.25%. Nassau Financial Federal Credit Union's Fixed Mortgage rates are at 5.88%, Fixed Mortgage rates are at 5.88%, Fixed Mortgage rates are at 6.12%, Fixed Mortgage rates are at 6.25%. MonitorBankRates evaluates the financial stability of Nassau Financial Federal Credit Union with a 4.3 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 4.85%. Rates were last updated on 04/11/2026.

Nassau Financial Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Nassau Financial Federal Credit Union? Share your experience about Nassau Financial Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Nassau Financial Federal Credit Union.

Overall Health & Safety Grade ?
A-
Very Good Health Score: 91/100
MonitorBankRates Rating ?
4.3
Excellent Out of 5.0 Stars
Texas Ratio ?
4.85%
Excellent Lower than avg
Nassau Financial Federal Credit Union
East Meadow
2575 Hempstead Tpke
East Meadow, NY 11554 2156
https://www.nassaufinancial.org
Member NCUA

Nassau Financial Federal Credit Union CD Rates

Product Rate APY Term View More
7 month Personal Certificate 3.68% 3.75% 7
Details New Money
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
7 month Personal Certificate 3.44% 3.50% 7
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
36 month Personal Certificate 2.95% 3.00% 36
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
60 month Personal Certificate 2.71% 2.75% 60
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
48 month Personal Certificate 2.22% 2.25% 48
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
12 month Personal Certificate 1.24% 1.25% 12
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
24 month Personal Certificate 1.24% 1.25% 24
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
18 month Personal Certificate 1.00% 1.00% 18
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
6 month Personal Certificate 1.00% 1.00% 6
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%

Nassau Financial Federal Credit Union Savings Rates

Product Rate APY View More
Saver's Edge 0.15% 0.15%
Min Balance $75,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
SmartSaver IRA 0.15% 0.15%
Min Balance $75,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
Saver's Edge 0.05% 0.05%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
SmartSaver IRA 0.05% 0.05%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
Youth Savers Pro/ Age 12 thru 22 0.05% 0.05%
Min Balance $5
Details Rate requires Checking Acct
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
Youth Savers Pro/Age 0 thru 11 0.05% 0.05%
Min Balance $5
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
Club Accounts 0.01% 0.01%
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%

Nassau Financial Federal Credit Union Checking Rates

Product Rate APY View More
Vibe Checking - 5.00%
Details Qualifying balance up to $1,500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
Vibe Youth Checking 5.00% 5.00%
Details Interest is earned on balances up to $1,500.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
BaZing+ Checking 3.00% 3.00%
Details Access to BaZing+ benefits for just $9 a month. Interest is earned on balances over $500.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
BaZing Checking 1.00% 1.00%
Details Access to standard BaZing benefits for just $6 a month. Interest is earned on balances over $500.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
Freedom Checking - 0.00%
Min Balance $100
Details Maintain a $100 minimum balance or enroll in direct deposits, and we'll waive the $7 monthly fee.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%

Nassau Financial Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
Fixed Mortgage 5.88% 0 6.03% 15 Years
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
Fixed Mortgage 5.88% 0 6.10% 10 Years
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
Fixed Mortgage 6.13% 0 6.22% 30 Years
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
Fixed Mortgage 6.25% 0 6.38% 20 Years
No additional details.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%

Nassau Financial Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity - - 5.99%
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%
Home Equity Line-of-Credit - - 5.99% 300
Details As Low As; fixed for 18 months, then as low as Prime
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%

Nassau Financial Federal Credit Union Credit Card Rates

Product Rate APR View More
Secured Credit Card - 12.99%
Details As Low As
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.85%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Nassau Financial Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Nassau Financial Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Nassau Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Nassau Financial Federal Credit Union
Address 2575 Hempstead Tpke, East Meadow, NY 11554 2156
Phone 516-742-4900
Fax 516-796-4901
President Paul Egerter
CEO John DeCelle
Full-Time Employees 69
Part-Time Employees 0
Branch Locations 5
ATM Locations 7
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.3 / 5.0 ★
Overall Health & Safety Grade
A- (91/100)
Texas Ratio
4.85%
Return on Assets (ROA)
0.0184%
Return on Equity (ROE)
0.2899%
Non-Performing Loans Ratio (NPL)
0.47%
Total Assets
331,771,883
Total Amount of Shares and Deposits
317,047,521
Total Shares and Deposits < 1 Year
309,049,769
Total Shares and Deposits 1 3 Years
7,202,772
Total Shares and Deposits > 3 Years
794,981
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,509,644
Total Uninsured Shares and Deposits > $250K (F+J)
8,509,644
Total Insured Shares and Deposits > $250K (item 17 less item K)
308,537,877
Total Interest Expense (Sum of items 6 8)
2,201,645
Share Certificates
1,637
Number of Accounts for Share Drafts
8,972
IRA KEOGH Accounts
796
Number of Accounts for Regular Shares
18,021
Money Market Shares
915
Net Income (unless the amount is already included in Undivided Earnings)
60,924
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,616,989
Total Liabilities
319,373,889
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Nassau Financial Federal Credit Union

Is Nassau Financial Federal Credit Union a safe place to deposit money?

Yes, Nassau Financial Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 4.8478100381114%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Nassau Financial Federal Credit Union operate?

Nassau Financial Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Nassau Financial Federal Credit Union?

Yes, to access services at Nassau Financial Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Nassau Financial Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Nassau Financial Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Nassau Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like Nassau Financial Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nassaufinancial.org.

Current Nassau Financial Federal Credit Union Rates

  • 12-Month CD1.25%
  • 18-Month CD1.00%
  • 24-Month CD1.25%
  • 60-Month CD2.75%
Retrieved from our database of financial products. Rates subject to change.