Rates

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