Take Control of Your Debt & Save Up to 0.75%
Start 2026 strong by qualifying for a Debt Consolidation Loan or a Personal Loan. Reduce your rate up to 0.75% and make your financial goals a reality. Don’t miss this limited-time offer!
Vehicle Loans
New or used cars, RV’s, Jet Skis and more. NW Plus CU has flexible options for your journey!
Benefits You’ll Love
- Competitive rates
- Flexible terms
- Pre-approval available
- In-house servicing
Auto Loans
Lowest APR*
4.99%
Purchase & Refinance
Highest APR*
11.99%
Purchase & Refinance
*Annual Percentage Rate
Finance your car, boat, or Recreational Vehicle with NW Plus CU. Enjoy a personalized loan experience with streamlined, in-house decision-making and processing. Plus, manage your loan with ease in Digital Banking.
{beginNavtabs h2}
Auto Loans
Financing for New and Used Cars
New or used, purchase or refinancing. We'll work to find the right loan on the right car for you.
- Competitively low rates for both purchase and refinancing
- Flexible terms for payments you can afford
- Better bargaining power at the dealership with pre-approval
- Local decision-making and processing
- In-house servicing for the entire term of your loan
- GAP protection available for just pennies a day
- Mechanical Breakdown Coverage available for peace of mind
- ITIN Lending Available
Recreational Vehicle Loans
Financing for Other Vehicles
Available for several types of recreational vehicles:
- RVs
- Motorcycles
- Boats
- Wave-runners
- Jet skis
And more!
The NW Plus CU Difference
- Flexible terms for payments you can afford
- Pre-approval available
- Local decision-making and processing
- In-house servicing for the entire term of your loan
- ITIN Lending Available
Loan Protection
GAP Insurance
Coverage in the event your car is stolen or totaled, and its value is less than what you owe on your loan.
- Available through NW Plus CU
- Gain peace of mind with up to 150% coverage of your vehicle's value1
- Fee can be rolled into your monthly auto payment
Mechanical Breakdown Coverage
Financial protection against repair costs. Competitively priced mechanical breakdown coverage through NW Plus CU gives you peace of mind knowing you're covered on:
- Road service
- Mechanical assistance
- Towing
- Car rental
- Tire coverage
- Lost keys or lockouts
{endNavtabs}
*On New auto loans, up to 48 Months. ‘New’ applies to model year 2024 and newer. New Money Only. Loan based upon credit rating. Rates subject to change without notice. Rates subject to change based on term. Contact NW Plus CU Lending Officer for details and most current rates.
1GAP doesn't cover skipped or delinquent payments.
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.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
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.
- Net cost of buying $0
- Net cost of leasing $0
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.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
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.
- Monthly deposit needed to reach goal $0
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.
- 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.
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 12/18/2025. 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 | 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% |
- 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 12/18/2025. Fees may reduce earnings.
Equity Loan Program
| Term | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt Based on $100,000 |
|---|---|---|---|---|---|
| Equity Line of Credit - 20 Year Term | |||||
| HELOC - $100,000 Max | 8.000% | 8.093% | 80%* | 0.000% | ($836.44) |
| HELOC Plus - $100,000 Max | 8.250% | 8.414% | 90% | 0.500% | ($852.07) |
| HELOC Plus - $250,000 Max | 8.750% | 8.956% | 90% | 0.750% | ($883.71) |
| Closed End Equity - 15 Year Term | |||||
| Closed End Equity -$100,000 Max | 7.750% | 7.879% | 80%* | 0.500% | ($941.28) |
| Closed End Equity Plus - 20 Year Term | |||||
| Closed End Equity Plus - $100,000 Max | 8.000% | 8.151% | 90% | 0.750% | ($836.44) |
| Closed End Equity Plus - $250,000 Max | 8.500% | 8.692% | 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 12/18/2025.
First Mortgage Adjustable Rate Programs
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% | 5.861% | 95% | 0.500% | ($583.57) |
| 5/1 ARM | 5.875% | 5.987% | 95% | 0.500% | ($591.54) |
| 7/1 ARM | 6.125% | 6.248% | 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% | 6.011% | 100% | 0.750% | ($591.54) |
| 7/1 ARM | 6.125% | 6.272% | 100% | 0.750% | ($607.61) |
Adjustment Criteria:
Current Index: 1 YR T-BILL = 3.510%
| 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 12/23/2025
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
First Mortgage Fixed Rate Programs
Conventional Owner Occupied
Maximum Loan Amount $806,500
| Term | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt based on $100,000 |
| 30 Years | 6.125% | 6.240% | 95% | 0.500% | ($607.61) |
| 20 Year | 5.875% | 6.025% | 95% | 0.500% | ($709.24) |
| 15 Years | 5.625% | 5.811% | 95% | 0.500% | ($823.73) |
| 10 Years | 5.375% | 5.635% | 95% | 0.500% | ($1,079.08) |
| 30 Years USDA** | 6.250% | 6.366% | 102% | 0.500% | ($615.72) |
High Balance Owner Occupied
Maximum Loan Amount $1,037,300
| Term | Note Rate | APR | Max. LTV | Loan Fee | P&I Pmt Based on $100,000 |
| 30 Years | 6.625% | 6.746% | 95% | 0.500% | ($640.31) |
| 15 years | 6.000% | 6.190% | 95% | 0.500% | ($843.86) |
- *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.
Mortgage Program rates effective as of: 12/23/2025
Investment Property Mortgage Program
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 | 6.875% | 7.151% | 85% | 2.000% | ($656.93) |
| 30 Years 5/1 ARM | 6.625% | 6.896% | 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: 12/23/2025
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 $25,000 | $25 | 5.00% | 5.12% |
| $25,000+ | $25 | 0.20% | 5.12% -1.18% |
| Qualifications not met | NA | 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 12/18/2025. 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 12/18/2025. 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 | 6.500% | 6.777% | 75% | 1.000% | ($871.11) |
| 20 Years | 7.000% | 7.229% | 75% | 1.000% | ($775.30) |
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 12/23/2025
Loans
| Loan | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
|
Purchase & Refinance Internal Refinance |
4.99% 5.99% |
11.99% 12.99% |
|
Purchase & Refinance Internal Refinance |
5.24% 6.24% |
12.24% 13.24% |
| Boat & RV Loans
New & Used, Purchase & Refinance. New Money Only. |
7.75% | 12.75% |
| Motorcycles & Snowmobiles | 7.75% | 12.75% |
|
Up to $7,500 $7,501 to $15,000 $15,001+
|
9.50% 10.50% 11.50% |
16.50% 17.50% 18.00% |
| Timeline Loan
Unsecured revolving line of credit; attached to checking |
10.50% | 17.50% |
|
up to $10,000 |
8.50% | 8.50% |
|
up to $25,000 |
9.00% | 9.00% |
|
Share Secured |
Call for Rate | Call for Rate |
|
ITIN Lending |
Call for additional Info | |
- 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.
- 0.25% APR Reduction on New Electric/Hybrid Vehicles Loans. Other restrictions may apply.
Rates effective as of 12/18/2025.
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 | Annual Percentage Yield |
|---|---|---|---|
| Regular Savings | $5.00 to earn interest | 0.25% | 0.25% |
| Regular Business Savings | $5.00 | 0.25% | 0.25% |
| Smart Savings (Youth) | $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% |
|
$2,000 - $9,999 |
$2,000 | 0.70% | 0.70% |
| Money Market
$10,000 - $24,999
|
$10,000 | 0.85% | 0.85% |
| Money Market
$25,000 - over
|
$25,000 | 1.00% | 1.00% |
| Premium Money Market
$50,000 - $99,999
|
$50,000 | 1.25% | 1.26% |
| Premium Money Market
$100,000 - $249,999
|
$100,000 |
1.50% | 1.51% |
| Premium Money Market
$250,000 - over*
|
$250,000 | 1.75% | 1.76% |
- 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.
- *Funds on deposit over $250,000 may not be insured by NCUA
APY = Annual Percentage Yield. Rates effective as of 11/3/2025. Fees may reduce earnings.