Join NW Plus CU and get a 0.25% CD Rate Bump
Members that join this March receive a coupon good for a 0.25% rate increase on any term Certificate of Deposit opened within the first 60 days of membership.
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Bump Up Your CD
Increase Your CD Rate by 0.25%
Certificates of deposit offer a secure way to invest your money with guaranteed returns. Terms range from 6 months to 5 years. There’s no setup or maintenance fees to get started.
Want to see how much you could earn? Try our CD Calculator and see how your savings can grow.
Certificate of Deposit Rates
| 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 Members Enjoy
Easy Access to Your Money with Co-Op Shared Branching
NW Plus CU is part of a nationwide network of credit unions that gives you access to more than 5,000 shared branches and more than 30,000 surcharge-free ATMs.
Get Paid up to Two Days Early
You can access your paycheck up to two days early with direct deposit.**
Digital Banking
All the digital tools you need to manage your account, including: online banking through our website, the NW Plus CU mobile app**, Bill Pay™, remote check deposit, and eStatements.
Zelle®
Send and receive money with Zelle® in minutes, right from the NW Plus CU mobile app***.
Bill Pay
Schedule and pay bills automatically from your NW Plus CU online banking page.
Free credit score monitoring
All NW Plus CU members can activate a complimentary Credit Sense credit score/credit report monitoring subscription.
Quicken® Integration
Quicken® users can download all of their transactions directly into Quicken®.
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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*12 and 24 Month Certificates have a bump feature that allows for one bump in interest rate during the term of the CD. This feature is in addition to the 0.25% bump offer. Current CD holders are not eligible to bump their rate to match promotional rates.
New members joining NW Plus CU 3/2/2026 through 3/31/2026 will receive coupon valid for one 0.25% CD rate bump. Coupon must be used within the first 60 days of joining, or June 1, 2026 whichever comes first. Offer not transferable. Limit one coupon per new member.
All certificates of deposit require a $500 minimum deposit. Early withdrawal penalties may apply for all Certificates of Deposit / IRAs. Rates subject to change at any time.
APY = Annual Percentage Yield. APY reflects the impact of compounding on annual basis and is required to be given under T-I-S.
Rates effective as of 12/18/2025. Fees may reduce earnings.
**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.
***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.