Kasasa Cash Checking
Enjoy earning a 5.12% dividend rate* on your checking account balance
Benefits You’ll Love
- Earn high dividends*
- No monthly maintenance fees
- ATM withdrawal fee refunds*
- Add a Kasasa Saver® account
Kasasa Cash Checking Rate
*Annual Percentage Yield
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The NW Plus CU Standard
- Minimum Balance $0
- Maintenance Fee $0
- Minimum Opening Deposit $25
Rewards Worth Earning
- $15 max. ATM withdrawal fee refund per month*
- No category restrictions on purchases
- 5.12% APY* on balances up to $15,000*
*when monthly qualifications met
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Kasasa Cash is the checking account that pays you high dividends on your balance whenever you meet a few simple qualifications in a month. No minimum balance to earn rewards, and no monthly maintenance fees.
All NW Plus CU members have access to more than 5,000 shared branches and 30,000 surcharge-free ATMs nationwide with CO-OP shared branching. Get paid up to two days early when you have direct deposit, courtesy of NW Plus CU Early Pay.
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Kasasa Cash
Earn More on Your Balance
If you use your debit card regularly, a Kasasa Rewards Checking account might be the perfect option for you. Earn rewards with easy, everyday transactions and banking activity.
When Qualifications Met in a Month, Earn:
- 5.12% APY* on balances up to $15,000
- 5.12% to .88% APY* on balances over $15,000 depending on account balance
- 0.03% APY* if qualifications aren’t met
- Refunds up to $15.00 on ATM withdrawal fees, nationwide*
Qualifying to Earn Rewards is Simple!
- Make at least 12 debit card purchases per month
- 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 credit union
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
Even if you don't qualify, your Kasasa Cash account is still free! Plus, you can get right back to earning your full rewards the very next cycle.
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®
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
Become a Member
More for Members
As a member of NW Plus CU, you can expect more. While we offer a full range of banking products and services, we also offer plenty of benefits at no cost. All of these benefits are part of our commitment to the local community, and to your success.
Your NW Plus CU Membership Gives You:
- Tap-to-pay debit cards you can add to your digital wallet
- Automatically add to your savings account with Debit Card Roundup
- Access to the CO-OP Shared Branch and ATM network
- Free credit score monitoring from Credit Sense
- Early Pay with direct deposit, getting you your paycheck up to two days early
- And so much more
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Which Kasasa rewards checking account will pay me the most?
If you generally keep less than $3,000 in your checking account, a Kasasa Cash Back checking account will earn more money than a Kasasa Cash checking account.
When will I receive my Kasasa Cash rewards?
Your dividends and ATM withdrawal reimbursement will be deposited to your account on the first business day of the month after the month in which you met all qualifications.
What if I don’t meet the Kasasa Cash qualifications?
If you don’t meet your qualification requirements in a month your Kasasa Cash account will earn 0.03% on the account’s entire balance, and will not receive a reimbursement of nationwide ATM withdrawal fees for that month. Your Kasasa Cash account still has no monthly maintenance fee or minimum balance fee and, you can get back to earning rewards the very next month.
What’s the catch?
There is no catch. Each month you meet the qualifications you will earn rewards. Simple as that. Kasasa Cash checking accounts are just one way we bring humanity to financial service.
How much does it cost to open a Kasasa Cash 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 Kasasa Cash account.
How do I open a Kasasa Cash checking account?
A Kasasa Cash checking account may be opened in person at one of our six local branches. Kasasa Cash checking accounts can not be opened online.
What documents do I need to open a Kasasa Cash 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 Kasasa Cash Checking account online?
No, Kasasa Cash checking accounts can not be opened online.
What is the monthly cost of a Kasasa Cash Checking account?
NW Plus CU does not charge monthly maintenance or minimum balance fees for Kasasa Cash 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 ACCOUNT DISCLOSURE:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash checking 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 credit union
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.
The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction toward the 12 transactions required to meet rewards qualifications.
"Monthly Qualification Cycle" means a period beginning the first calendar day of each month through the last calendar day of each month. Contact one of our branch service representatives for further clarification.
KASASA CASH REWARD INFORMATION:
When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 5.00% resulting in an APY of 5.12%; and daily balances over $15,000 earn a dividend rate of 0.20% on the portion of the daily balance over $15,000 resulting in a range from 5.12% to .88% APY depending on the account's daily balance.
APY=Annual Percentage Yield. APY's effective as of 01/01/2026
You will receive reimbursements up to $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during the Monthly Qualification Cycle in which you qualified. These will be credited to your account on the first business day of the next statement cycle.
When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.03% resulting in an annual percentage yield of 0.03% and ATM withdrawal fees are not refunded.
Dividends will be credited to your Kasasa Cash account on the first business day of the next statement cycle.
ADDITIONAL KASASA ACCOUNT INFORMATION:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open a Kasasa Cash account. See Service Fees page for fees that may apply to this account. Limit of one account(s) per member. Advertised information and rewards are based on all account qualifications being met during each cycle period. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.
Right to Convert
We also reserve the right to convert the account to a different share draft product if the account does not meet monthly qualification requirements over 3 consecutive Qualification Cycles.
Trademarks:
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
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.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
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.
- Net cost of buying $0
- Net cost of leasing $0
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.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
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.
- Monthly deposit needed to reach goal $0
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.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
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 |
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.