Basic Checking

At NW Plus CU, our Basic Checking gives you more! Take care of everyday expenses without the hassle of fees or minimum balance requirements.

Benefits You’ll Love

  • No monthly service charge 
  • Full access digital banking
  • Co-Op Shared Branch & ATMs  
  • Early Pay on direct deposits
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Everything You need, Nothing You Don't

  • Minimum Balance $0
  • Maintenance Fee $0
  • Minimum Opening Deposit $25

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Compare Checking Accounts

At Northwest Plus Credit Union you are more than just a number. You are unique, and we see you for the person that you are. We are here to help you reach your financial goals no matter where you are in your financial journey.

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Basic Checking

The Checking Account Essentials You Need

With Basic Checking, access a variety of digital banking services, more than 30,000 surcharge-free ATMs nationwide, and get paid up to two days early when you have direct deposit, courtesy of NW Plus CU Early Pay.

Other features of Basic Checking include:

Digital Banking

Online and Mobile Banking

Manage your finances whenever and wherever you want to, securely and conveniently with a full suite of digital tools. Sign up for and view eStatements, manage your debit card, and so much more.

Online Banking:

  • Check recent transaction history, account balances and more
  • Get Mobile Banking access - Once you log in to online banking, your login will work in our official NW Plus CU App
  • Sign up for eStatements and eNotices
  • Make everyday budgeting simple with tools like Bill Pay and Zelle®

See More Features

Mobile App

The NW Plus CU Mobile Banking App is the convenient and secure way to manage your accounts from your mobile device.

  • Check account balances and see recent transactions
  • Transfer money between accounts instantly
  • Deposit checks quickly and securely with remote deposit capture
  • Control your debit card with CARDS+
  • View your eStatements

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Have Questions?

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How much does it cost to open a Basic Checking account?

All accounts require a minimum $5 deposit in a Regular Savings to activate your NW Plus CU membership. An additional $25 deposit is required to open a Basic Checking account.

How do I open a Basic checking account?

A Basic checking account may be opened in person at one of our six local branches, or online by pressing the “Join NW Plus CU” button.

What documents do I need to open a Basic checking account?

You will need a current valid government-issued photo ID and either a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN).  

What if I don’t have a Social Security number?

Individuals with an Individual Taxpayer Identification Number (ITIN) are eligible to open NW Plus CU savings and checking accounts.

Can I open a Basic Checking account online?

Yes. Simply press the “Join NW Plus CU” button and you will be guided through the account opening process. A NW Plus CU representative will contact you if additional information is needed.

What is the monthly cost of a Basic Checking account?

NW Plus CU does not charge monthly maintenance or minimum balance fees for Basic Checking accounts. However, an account overdraft may result in a fee.

How does Early Pay work?

Early access to ACH (Automated Clearing House) deposits depends on the day the deposit information is transmitted by the sender through the ACH network. NW Plus CU deposits the funds up to 2 calendar days prior to the settlement date when funds are received.

How do I set up a direct deposit?

We are happy to provide a form that your employer can use to easily deposit into your account. We are also happy to assist with Social Security direct deposit as well.

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Kasasa Cash Checking CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Kasasa Cash Checking account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly dividends earned* $0
  • Monthly ATM fees refunded**$0
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*Qualifications, limits and other requirements may apply. See details for more info.

**The maximum total of refunds on ATM withdrawal fees per monthly qualification cycle is 15.

Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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  • Net cost of buying $0
  • Net cost of leasing $0
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CDs CalculatorDisclaimer

A fixed-rate, fixed-term CDs can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total value at maturity $0
  • Total dividends earned $0
  • Annual Percentage Yield (APY)0.000%
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Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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12 Month Certificate of Deposit

Minimum Deposit Interest Rate Annual Percentage yield
$500 4.75% 4.83%
  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

24 Month Certificate of Deposit

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.30% 0.30%
$10,000 - $99,999 $10,000 0.35% 0.35%
$100,000 - over $100,000  0.40%  0.40% 
  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

3 Month Certificate of Deposit

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.15% 0.15%
$10,000 - $99,999 $10,000 0.20% 0.20%
$100,000 - over  $100,000 0.25%  0.25%

 

  • Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.
  • 3-month certificate is no longer able available for new accounts or additional deposits to existing accounts.

36 Month Certificate of Deposit

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.35% 0.35%
$10,000 - $99,999 $10,000 0.40% 0.40%
$100,000 - over $100,000  0.45%  0.45%
  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

48 Month Certificate of Deposit

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.40% 0.40%
$10,000 - $99,999 $10,000 0.45% 0.45%
$100,000 - over $100,000  0.50%  0.50%
  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

6 Month Certificate of Deposit

Minimum Deposit Interest Rate Annual Percentage yield
$500 4.00% 4.06%
  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

60 Month Certificate of Deposit

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.45% 0.45%
$10,000 - $99,999 $10,000 0.50% 0.50%
$100,000 - over $100,000  0.55%  0.55% 
  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

Adjustable Rate Mortgage

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 5.750% 5.869% 95% 0.500% ($583.57)
5/1 ARM 5.875% 5.995% 95% 0.500% ($591.54)
7/1 ARM 6.125% 6.256% 95% 0.500% ($607.61)

Welcome Home Loan: Primary Residence Purchase

Maximum Loan Amount $806,500**

30 Year Term Note Rate APR Max. LTV Loan Fee P&I Payment Based On $100,000
5/1 ARM 5.875% 6.019% 100% 0.750% ($591.54)
7/1 ARM 6.125% 6.280% 100% 0.750% ($607.61)

Adjustment Criteria:

Current Index: 1 YR T-BILL = 3.470%

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
  • *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.
  • ARM = Adjustable Rate Mortgage
  • **Except in Snohomish/King/Pierce County - Maximum Loan Amount $1,037,300

Mortgage Program rates effective as of 02/10/2026

Certificates of Deposit

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%
  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.
  • *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.

APY = Annual Percentage Yield. Rates effective as of 04/01/2026. Fees may reduce earnings.

Certificates of Deposit / IRA Rates

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
3 Month Certificate of Deposit
$25 - $9,999
$10,000 - $99,999
$100,000 - over		 $500
$10,000
$100,000		 0.45%
0.50%
0.55% 		 0.45%
0.50%
0.55%
6 Month Certificate of Deposit
$500 - $9,999
$10,000 - $99,999
$100,000 - over		 $500
$10,000
$100,000		 0.65%
0.70%
0.75% 		 0.65%
0.70%
0.75% 
12 Month Certificate of Deposit
$500 - $9,999
$10,000 - $99,999
$100,000 - over		 $500
$10,000
$100,000		 1.00%
1.05%
1.10% 		 1.00%
1.05%
1.10% 
24 Month Certificate of Deposit
$500 - $9,999
$10,000 - $99,999
$100,000 - over		 $500
$10,000
$100,000 		 1.30%
1.35%
1.40%
 		 1.31%
1.36%
1.41% 
36 Month Certificate of Deposit
$500 - $9,999
$10,000 - $99,999
$100,000 - over		 $500
$10,000
$100,000 		 1.45%
1.55%
1.65% 		  1.46%
1.56%
1.66%
48 Month Certificate of Deposit
$500 - $9,999
$10,000 - $99,999
$100,000 - over		 $500
$10,000
$100,000 		 1.50%
1.60%
1.70%		 1.51%
1.61%
1.71%
60 Month Certificate of Deposit
$500 - $9,999
$10,000 - $99,999
$100,000 - over		 $500
$10,000
$100,000 		 1.80%
1.90%
2.00% 		 1.81%
1.91%
2.02% 

All certificates of deposit require a $500 minimum deposit.

Youth certificates of deposit require a minimum deposit of $25 for 0-6 years of age, $50 for 7-12 years of age and $100 for 13-18 years of age.

Early withdrawal penalties may apply for all Certificates of Deposit / IRAs.

These rates are indications only.

The CU reserves the right to change the posted rates to reflect market conditions and other factors.

The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.

Checking Accounts

Account Minimum Balance Dividend Rate APY*
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%

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.

**Rewards checking account that offers Cash Back rewards when certain monthly qualifications are met.

*APY = Annual Percentage Yield. Rates effective as of 04/01/2026. Fees may reduce earnings.

Closed End Equity Loans

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.

First Mortgage Fixed Rate Program (ARCHIVE)

Owner Occupied Property Note Rate APR Max LTV Loan Fee P&I Pmt Based on $100,000
30 Years 6.875% 6.998% 95% 0.500% ($656.93)
20 Year 6.500% 6.656% 95% 0.500% ($745.57)
15 Years 6.500% 6.696% 95% 0.500% ($871.11)
10 Years 6.375% 6.649% 95% 0.500% ($1,129.13)

 

Mortgage Program rates effective as of: 12/07/2023

HELOC

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)

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

**HELOC Plus program

Rates effective as of 04/01/2026

Home Improvement Loan

Loan Amount APR*
Up to $10,000 7.99%
Up to $25,000 8.49%

Loan based upon credit rating. Rates subject to change without notice. Rates subject to change based on term. Please call for current rates and terms.
To refinance an existing NW Plus CU Loan, please call for rates.
Rates effective as of 04/01/2026 

Investment Property Mortgage

Non-Owner Occupied: Fixed and Adjustable Rates

Maximum Loan Amount* **

Term Note Rate APR Max. LTV Loan Fee P&I Pmt Based on $100,000
30 Years Fixed 6.750% 7.031% 85% 2.000% ($648.60)
30 Years 5/1 ARM 6.625% 6.904% 85% 2.000% ($640.31)
  • *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.
  • *Maximum Fixed Rate Loan Amount $766,550
  • **Maximum Adjustable Rate Loan Amount $850,000
  • ARM = Adjustable Rate Mortgage

Mortgage Program rates effective as of: 02/10/2026

Kasasa Cash

Account Balance  Minimum Opening Deposit  Dividend Rate APY
       
       
       
       

Kasasa Cash Back

Each Monthly
Qualification Cycle

 Monthly Account
Maintenance Fee		 Percentage of cashback on up to $150 in debit card purchases monthly Maximum Cash Back Earnings
When Qualifications are met $0 5.00% $150 per year, $12.50 per month
When Qualifications not met $0 None n/a

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your 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 have agreed to receive e-statements rather than paper statements
  • Maintain a valid email address on record with the credit union

Kasasa Cash*

Account Balance Minimum Opening Deposit Dividend Rate APY
up to $15,000 $25 5.00% 5.12%
$15,000+ $25 0.25% 5.12% -.88%
Qualifications not met $25 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 e-statements rather than paper statements
  • Maintain a valid email address on record with the credit union

APY = Annual Percentage Yield. Rates effective as of 04/01/2026. Fees may reduce earnings.

Kasasa Saver*

Account Balance Minimum Opening Deposit Dividend Rate APY*
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 e-statements rather than paper statements
  • Maintain a valid email address on record with credit union

*APY = Annual Percentage Yield. Rates effective as of 04/01/2026. Fees may reduce earnings.

Land Loans

Land Purchase

Maximum Loan Amount $300,000

Term    Note Rate APR Max. LTV Loan Fee P&I Pmt Based on $100,000
15 Years 6.750% 7.044% 75% 1.000% ($884.91)
20 Years 7.250%  7.493%  75% 1.000% ($790.38)

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 04/08/2026

Money Market Accounts

Regular Money Market

Minimum Balance Maximum Balance Dividend Rate APY*
$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 APY*
$50,000 $99,999 1.25% 1.26%
$100,000 $249,999 1.50% 1.51%
$250,000 over** 1.75% 1.76%

*APY = Annual Percentage Yield. Rates effective as of 11/3/2025. Fees may reduce earnings.

**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.

Mortgages

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 6.375% 6.501% 95% 0.500% ($623.87)
20 Year 6.000% 6.161% 95% 0.500% ($716.43)
15 Years 5.750% 5.950% 95% 0.500% ($830.41)
10 Years 5.500% 5.780% 95% 0.500% ($1,085.26)
30 Years USDA** 6.500% 6.627% 102% 0.500% ($632.07)

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 6.875% 7.007% 95% 0.500% ($656.93)
15 years 6.250% 6.456% 95% 0.500% ($857.42)

 

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 6.000% 6.121%  95% 0.500% ($599.55)
5/1 ARM 6.125% 6.248% 95% 0.500% ($607.61)
7/1 ARM 6.375% 6.509% 95% 0.500% ($623.87)

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 6.125% 6.272%  100% 0.750% ($607.61)
7/1 ARM 6.375% 6.534% 100% 0.750% ($623.87)

Adjustment Criteria:

Current Index: 1 YR T-BILL = 3.690%

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 7.125% 7.414%  85% 2.000% ($673.72)
30 Years 5/1 ARM 6.875% 7.159% 85% 2.000% ($656.93)

*All rates are subject to change without notice.
**Purchase & Refinance Existing USDA Only

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

ARM = Adjustable Rate Mortgage

Mortgage Program rates effective as of: 04/08/2026

Personal Line of Credit

Loan Lowest APR* Highest APR*

Unsecured revolving line of credit

  10.50%   17.50%

Share Secured

  Call for Rate  Call for Rate

Loan based upon credit rating. Rates subject to change without notice. Rates subject to change based on term. Please call for current rates and terms.
To refinance an existing NW Plus CU Loan, please call for rates.
Rates effective as of 04/01/2026 

Personal Term Loan

Term Lowest APR* Highest APR*
Up to 72 Months 7.49% 16.49%

*APR–Annual Percentage Rate. Rates subject to change without notice. Final rate determined on credit score and loan term.

Rates effective as of 04/01/2026

Premium Interest Checking

Account Minimum Balance Dividend Rate Annual Percentage Yield
$0 - $1,499 $1,500 0.05%  0.05%
$1,500 +     $1,500  0.10%  0.10% 
  • 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.

Savings Accounts

Account Minimum Balance Dividend Rate APY*
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
Club Accounts $0.00 1.00% 1.00%

*APY = Annual Percentage Yield. Rates effective as of 04/01/2026. Fees may reduce earnings.

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.

Used Cars

Used Cars Lowest APR* Highest APR*
Purchase & Refinance 5.24% 12.24%
Internal Refinance 6.24% 13.24%

 

Vehicle Loans

New Cars

Model year 2024 and newer

  Lowest APR* Highest APR*
Purchase & Refinance 4.99% 13.24%
NW Plus Internal Refinance 5.99% 14.24%

Used Cars

  Lowest APR* Highest APR*
Purchase & Refinance 5.24% 12.99%
NW Plus Internal Refinance 6.24% 13.99%

Recreational Vehicles

  Lowest APR* Highest APR*
Boat & RV**                          7.75% 12.75%
Motorcycle & Snowmobile 7.75% 12.75%

*APR=Annual Percentage Rate. Rates subject to change without notice. Final rate determined on credit score and loan term.

**New and used, purchase and refinance

Rates effective as of 04/01/2026.