Kasasa Cash* Learn More
| Account Balance | Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield |
| up to $15,000 | $25 | 5.00% | 5.12% |
| $15,000+ | $25 | 0.25% | 5.12% -.88% |
| *If qualifications not met | 0.03% | 0.03% |
*Qualifications: Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle
- At least 12 debit card purchases
- Be enrolled in and log into online banking
- Be enrolled in and have agreed to receive eStatements rather than paper statements
- Maintain a valid email address on record with the credit union
Rates effective as of 05/27/2026. Fees may reduce earnings.
Checking Accounts Back to Top Learn More
| Account | Minimum Balance | Dividend Rate | Annual Percentage Yield |
| Kasasa Cash Back* | $0 | 0.00% | 0.00% |
| Basic Checking | $0 | 0.00% | 0.00% |
| Direct Checking | $0 | 0.03% | 0.03% |
| Smart Checking (Youth) | $0 | 0.00% | 0.00% |
| Basic Business Checking | $0 | 0.00% | 0.00% |
| Premium Business Checking | $5,000 | 0.10% | 0.10% |
*Rewards checking account that offers Cash Back rewards when certain monthly qualifications are met.
The Credit Union reserves the right to change the posted rates to reflect market conditions and other factors. Fees may reduce earnings. $5 is required to open savings account to obtain membership.
Rates effective as of 05/27/2026. Fees may reduce earnings.
Kasasa Saver* Back to Top Learn More
| Account Balance | Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield |
| Up to $100,000 | $0 | 2.00% | 2.02% |
| $100,000+ | $0 | 1.00% | 2.02% to 1.51% |
| Qualifications not met | $0 | 0.03% | 0.03% |
Qualifications: Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle
- At least 12 debit card purchases
- Be enrolled in and log into online banking
- Be enrolled in and agreed to receive eStatements rather than paper statements
- Maintain a valid email address on record with credit union
Rates effective as of 05/27/2026. Fees may reduce earnings.
Savings Accounts Back to Top Learn More
| Account | Minimum Balance | Dividend Rate | Annual Percentage yield |
| Regular Savings | $5.00 to earn interest | 0.25% | 0.25% |
| Regular Business Savings | $5.00 | 0.25% | 0.25% |
| SMART Youth Saving | $5.00 |
5.00% on balances up to $500 0.15% on balances over $500 |
5.09% on balances up to $500 0.15% on balances over $500 |
| Christmas Club | $0.00 | 1.00% | 1.00% |
The Credit Union reserves the right to change the posted rates to reflect market conditions and other factors. Fees may reduce earnings. $5 is required to open savings account to obtain membership.
Rates effective as of 04/01/2026. Fees may reduce earnings.
Money Market Accounts Back to Top Learn More
Regular Money Market
| Minimum Balance | Maximum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| $2,000 | $9,999 | 0.70% | 0.70% |
| $10,000 | $24,999 | 0.85% | 0.85% |
| $25,000 | over | 1.00% | 1.00% |
Premium Money Market
| Minimum Balance | Maximum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| $50,000 | $99,999 | 1.25% | 1.26% |
| $100,000 | $249,999 | 1.50% | 1.51% |
| $250,000 | over* | 1.75% | 1.76% |
*Funds on deposit over $250,000 may not be insured by NCUA
The Credit Union reserves the right to change the posted rates to reflect market conditions and other factors. Fees may reduce earnings. $5 is required to open savings account to obtain membership.
Rates effective as of 05/27/2026. Fees may reduce earnings.
Certificates of Deposit Back to Top Learn More
| Certificate Term | Minimum Deposit | Interest Rate | Annual Percentage Yield |
| 6 Month | $500 | 3.00% | 3.03% |
| 12 Month* | $500 | 3.00% | 3.03% |
| 24 Month* | $500 | 3.50% | 3.54% |
| 36 Month | $500 | 3.50% | 3.54% |
| 48 Month | $500 | 3.25% | 3.29% |
| 60 Month | $500 | 3.00% | 3.03% |
*12 and 24 Month Certificates have a bump feature that allows for one bump in interest rate during the term of the CD. Promotional rates excluded.
All certificates of deposit require a $500 minimum deposit. Early withdrawal penalties may apply for all Certificates of Deposit / IRAs. Rates are indications only. CU reserves the right to change posted rates to reflect market conditions and other factors. Annual Percentage Yield column reflects impact of compounding on annual basis and is required to be given under T-I-S.
Rates effective as of 05/27/2026. Fees may reduce earnings.
Vehicle Loans Back to Top Learn More
New Cars | Model year 2024 and newer
| Lowest Annual Percentage Rate | Highest Annual Percentage Rate | |
|---|---|---|
| Purchase & Refinance | 4.49% | 12.74% |
| NW Plus Internal Refinance | 5.49% | 13.74% |
Used Cars
| Lowest Annual Percentage Rate | Highest Annual Percentage Rate | |
|---|---|---|
| Purchase & Refinance | 4.99% | 12.74% |
| NW Plus Internal Refinance | 5.99% | 13.74% |
Recreational Vehicles
| Lowest Annual Percentage Rate | Highest Annual Percentage Rate | |
| Boat & RV** | 7.75% | 12.75% |
| Motorcycle & Snowmobile | 7.75% | 12.75% |
*New and used, purchase and refinance
Rates subject to change without notice. Final rate determined on credit score and loan term.
Rates effective as of 05/27/2026.
Personal Term Loan Back to Top Learn More
| Term | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
| Up to 72 Months | 8.99% | 17.99% |
Rates subject to change without notice. Final rate determined on credit score and loan term.
Rates effective as of 05/27/2026
Personal Line of Credit Back to Top Learn More
| Loan | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
|
Unsecured revolving line of credit |
10.50% | 17.50% |
|
Share Secured |
Call for Rate | Call for Rate |
Rates subject to change without notice. Final rate determined on credit score and loan term. To refinance an existing NW Plus CU Loan, please call for rates.
Rates effective as of 05/27/2026
Home Improvement Loan Back to Top Learn More
| Loan Amount | Annual Percentage Rate |
|---|---|
| Up to $10,000 | 7.99% |
| Up to $25,000 | 8.49% |
Rates subject to change without notice. Final rate determined on credit score and loan term. To refinance an existing NW Plus CU Loan, please call for rates.
Rates effective as of 05/27/2026
HELOC Back to Top Learn More
Home Equity Line of Credit
20 Year Term | 5 year draw period, 15 year repayment period
| Max Amount | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt Based on $100,000 |
|---|---|---|---|---|---|
| $100,000 | 8.000% | 8.104% | 80%* | 0.000% | ($836.44) |
| $100,000** | 8.250% | 8.426% | 90% | 0.500% | ($852.07) |
| $250,000** | 8.750% | 8.967% | 90% | 0.750% | ($883.71) |
*LTV Maximum - 80% of AVM or 80% of Appraisal
**HELOC Plus program
All rates are subject to change without notice. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. For additional rates, programs, and costs, please click here
Rates effective as of 05/27/2026
Closed End Equity Loans Back to Top Learn More
15 Year Term
| Max Amount | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt Based on $100,000 |
| $100,000 | 7.750% | 7.892% | 80%* | 0.500% | ($941.28) |
20 Year Term
| Max Amount | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt Based on $100,000 |
| $100,000 | 8.000% | 8.162% | 90% | 0.750% | ($836.44) |
| $250,000 | 8.500% | 8.703% | 90% | 0.750% | ($867.82) |
All rates are subject to change without notice. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. For additional rates, programs, and costs, please click here
*LTV Maximum - 80% of AVM or 80% of Appraisal
Rates effective as of 04/01/2025.
Land Loans Back to Top Learn More
Maximum Loan Amount $300,000
| Term | Note Rate | APR | Max. LTV | Loan Fee | P&I Pmt Based on $100,000 |
| 15 Years | 7.000% | 7.298% | 75% | 1.000% | ($898.83) |
| 20 Years | 7.500% | 7.747% | 75% | 1.000% | ($805.59) |
Purchase & No Cash-Out Refinance only
Maximum of 10 acres
Zoned either Residential or Recreation
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Mortgage Program rates effective as of 06/05/2026
Mortgages Back to Top Learn More
Fixed Rate Mortgages
Conventional Owner Occupied
Maximum Loan Amount $832,750
| Term | Note Rate | APR* | Max. LTV | Loan Fee | P&I Pmt based on $100,000 |
|---|---|---|---|---|---|
| 30 Years | 6.625% | 6.754% | 95% | 0.500% | ($640.31) |
| 20 Year | 6.375% | 6.541% | 95% | 0.500% | ($738.23) |
| 15 Years | 6.000% | 6.203% | 95% | 0.500% | ($843.86) |
| 10 Years | 5.875% | 6.160% | 95% | 0.500% | ($1,103.94) |
| 30 Years USDA** | 6.750% | 6.880% | 102% | 0.500% | ($648.60) |
High Balance Owner Occupied
Maximum Loan Amount $1,063,750 - Snohomish/King/Pierce County
| Term | Note Rate | APR | Max. LTV | Loan Fee | P&I Pmt Based on $100,000 |
|---|---|---|---|---|---|
| 30 Years | 7.125% | 7.260% | 95% | 0.500% | ($673.72) |
| 15 years | 6.500% | 6.709% | 95% | 0.500% | ($871.11) |
Adjustable Rate Mortgages
Conventional Owner Occupied
Maximum Loan Amount $850,000
| 30 Year Term | Note Rate | APR | Max. LTV | Loan Fee | P&I Payment Based On $100,000 |
|---|---|---|---|---|---|
| 3/1 ARM | 6.250% | 6.374% | 95% | 0.500% | ($615.72) |
| 5/1 ARM | 6.375% | 6.501% | 95% | 0.500% | ($623.87) |
| 7/1 ARM | 6.625% | 6.762% | 95% | 0.500% | ($640.31) |
Welcome Home Loan: Primary Residence Purchase
Maximum Loan Amount $832,650
Snohomish/King/Pierce County - Maximum Loan Amount $1,063,750
| 30 Year Term | Note Rate | APR | Max. LTV | Loan Fee | P&I Payment Based On $100,000 |
|---|---|---|---|---|---|
| 5/1 ARM | 6.375% | 6.525% | 100% | 0.750% | ($623.87) |
| 7/1 ARM | 6.625% | 6.787% | 100% | 0.750% | ($640.31) |
Adjustment Criteria:
Current Index: 1 YR T-BILL = 3.800%
| Program No. | Index | Margin | Annual Cap | Life Cap | |
|---|---|---|---|---|---|
| NON 5/1 | 1 Yr T-Bill | 3.500% | 2.000% | 5.000% | START RATE IS FLOOR RATE |
| ARM 3/1 | 1 Yr T-Bill | 2.500% | 2.000% | 5.000% | |
| ARM 5/1 | 1 Yr T-Bill | 2.500% | 2.000% | 5.000% | |
| ARM 7/1 | 1 Yr T-Bill | 2.500% | 2.000% | 5.000% | |
| UP | 1 Yr T-Bill | 3.500% | 2.000% | 6.000% | START RATE IS FLOOR RATE |
Investment Mortgages
Non-Owner Occupied Fixed and Adjustable Rates
Fixed Rate Maximum Loan Amount $832,750
Adjustable Rate Maximum Loan Amount $850,000
| Term | Note Rate | APR | Max. LTV | Loan Fee | P&I Pmt Based on $100,000 |
|---|---|---|---|---|---|
| 30 Years Fixed | 7.375% | 7.670% | 85% | 2.000% | ($690.68) |
| 30 Years 5/1 ARM | 7.125% | 7.414% | 85% | 2.000% | ($673.72) |
*APR = Annual Percentage Rate
**Purchase & Refinance Existing USDA Only
Mortgages are available in WA State Only. Loans are subject to NW Plus CU membership, credit approval, and other underwriting criteria; not everyone will qualify. Certain restrictions apply. Home loan programs, terms and conditions are subject to change without notification. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Mortgage Program rates effective as of 06/05/2026