Christmas in July
Get 2.00% off your qualifying rate on a new personal loan*. You can also claim a $50 Gas Card** when you open a new savings and checking account with NW Plus CU.
New members joining NW Plus CU can enjoy a 2.00% discount on your qualifying rate on a new personal loan*.
When you open a new savings and checking account with us, you can also claim a $50 Gas Card** when you come into a branch.
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Personal Loan Details
Funds for All Your Needs
Celebrate Christmas in July with 2.00% off of your qualifying rate on a personal loan*, custom made for you by santa's elves.
Features of our term loans include:
- Competitive rates for a wide variety of personal needs:
- Vehicle repairs
- Family vacation
- Education expenses
- Debt consolidation
- And much more
- Repayment terms customized to fit your budget
- Debt protection available
- In-house decision-making and processing
- ITIN Lending Available
All Members Enjoy
Free credit score monitoring
All NW Plus CU members can activate a complimentary Credit Sense credit score/credit report monitoring subscription.
Easy access to your money
NW Plus CU is part of the CO-OP shared branching and ATM network. Members can access a nationwide network of more than 5,000 shared branches and more than 30,000 surcharge-free ATMs.
Digital banking
Get all the tools you need to manage your account with online banking through our website, or the NW Plus CU mobile app1. You can manage your bills with Bill Pay™, view your eStatements, check recent transactions and more.
Get paid up to two days early
Access your direct deposit up to two days early with Early Pay to NW Plus CU checking or savings account.2
Bill Pay™
Schedule and pay bills automatically from your NW Plus CU online banking account, or on the mobile app.
Quicken® Integration
Quicken® users can download all of their transactions directly into Quicken®.
Zelle®
Send and receive money with Zelle® in minutes, right from the NW Plus CU mobile app3.
Why We’re Different
Not-For-Profit • Member Owned • Community Committed
NW Plus CU is a full-service, member-owned financial institution. Members have access to a full range of financial products and services, including: savings accounts, checking accounts, certificates of deposit (CDs), business banking accounts, consumer loans, mortgages and more.
We are also a not-for-profit financial cooperative. We work for the benefit of our members and return our profits to them through lower loan rates, higher rates on savings and checking accounts, low fees and innovative products.
When you become a NW Plus CU member you become an equal shareholder with the other members, you become an owner. Each member has one vote to elect the volunteer Board of Directors and Supervisory Committee. These volunteers provide governance to a professional management team and credit union operations.
Everyone is welcome at NW Plus CU. We are proud to be one of fewer than 130 Juntos Avanzamos designated credit unions nationwide. This designation is awarded to credit unions that are committed to serving and empowering Hispanic and immigrant consumers, providing safe, affordable and relevant financial services.
What Drives Us
We Bring Humanity to Financial Services
Our mission is guided by our core values. These principles guide everything we do:
Invested in Members: We work together to serve our members and we are committed to making a difference in their lives. We prioritize people over profits.
Superior Service: We provide professional, friendly, personalized service. We are easy to work with and always willing to help.
Community Committed: We are proud to be invested in the communities we serve. We deliver big-value products & services with small-town hospitality.
Opportunities for All: Every person deserves financial success. We see the whole individual and help our members achieve their goals at every stage of their financial journey.
At NW Plus CU we promise our members superior service. That means:
We value the connection we build with each member. We get to know you, and what’s important to you.
We’re committed to keeping your private information safe, secure, and confidential.
We serve you with our undivided attention because we respect your time and value your business.
We genuinely listen to your needs, using all of our knowledge and resources to provide trusted recommendations for enhancing your financial well-being.
Our History
Since 1939, NW Plus has provided financial services to the employees and family members of Frontier Communications formerly known as GTE and Verizon in Snohomish and Skagit County. Since then, we have expanded our charter to include anyone who lives, works or worships in the State of Washington.
If you are ready for a financial institution that sees you for who you are, NW Plus CU is the place for you. Learn how you can become a member today.
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*New members joining NW Plus CU 7/1/2026 through 7/31/2026 qualify to reduce the personal loan rate you qualify for by 2.00%. Application must be received within 30 days of join date to be eligible.
To qualify for this offer you must be a new NW Plus CU member, meaning that you must not have been a NW Plus CU member for at least the past 12 consecutive months prior to joining, and must have been a member in good standing when previous membership terminated. Current NW Plus CU members and their immediate family members are not eligible. CUDL members are not eligible.
Rate based on credit score and subject to change without notice. Not all who apply will qualify. New money only. See nwpluscu.com/Rates for current loan rates.
May not be combined with other lending offers
**New members who open a savings and checking account by July 31, 2026 can receive a $50 gas card. Savings and Checking accounts must remain open 60 days to qualify. NW Plus will notify those who qualify by email sent to the email address on file within 10 working days of qualifying. Member must come to a NW Plus CU branch to pick up the gas card. To qualify for this offer you must be a new NW Plus CU member, meaning that you must not have been a NW Plus CU member for at least the past 12 consecutive months prior to joining, and must have been a member in good standing when previous membership terminated. Current NW Plus CU members and their immediate family members are not eligible.
Accounts must be opened in person at a NW Plus CU branch location. A $5 minimum deposit is required to open a Basic Savings account and a $25 minimum opening balance is required for new Basic, Kasasa Cash Back and Kasasa Cash checking accounts. Rates and account features subject to change without notice. Fees may reduce earnings.
1 Message and data rates may apply. Please check with your phone provider.
2 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.
We reserve the right to reverse a deposit if the settlement does not occur or if there is any error or omission found in the transmitted data.
3 To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.