New NW Plus CU Members
Get a 3.50% 12-month introductory rate when you bring your auto loan to NW Plus CU.*
*Terms apply
Mortgages
We’ve helped generations own their own piece of the Evergreen State. With flexible options and in-house decision making, we make homeownership more accessible.
The NW Plus Difference
- Competitive rates
- Flexible terms
- Pre-approval available
- Home refinancing
Mortgage Rates
20 Years
6.667%
APR*
30 Years
6.880%
APR*
*Annual Percentage Rate
Buying a home is an exciting moment. At NW Plus CU, we keep that excitement flowing with personalized, friendly assistance throughout the process.
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Mortgage Details
Homeownership Starts Here
With both fixed rate and adjustable-rate mortgages available, we’ll help you find the loan that fits your real life. NW Plus CU offers financing for primary residences, vacation homes, investment properties, and more!
Enjoy the NW Plus CU difference:
- Local decision-making and processing
- In-house loan servicing for the entire term of your mortgage
- Fixed and adjustable rate mortgages (ARMs)
- Pre-qualification and pre-approval available to speed up the process
Contact our Mortgage Manager Today
Call Lisa Shookman at 425-297-1050, or email [email protected]
Home Refinancing
Refinance with NW Plus CU
Consider refinancing your mortgage from another financial institution to get a lower rate. We offer flexible financing options for more affordable payments which means you could end up saving big in the long run.
- Free consultation to see if you can get a better deal
- Available for primary and secondary residences
- Local processing for a better experience
- In-house servicing for the entire term of your loan
- Fixed and adjustable plans available
- Easy application process
Contact our Mortgage Manager Today
Call Lisa Shookman at 425-297-1050, or email [email protected]
Current Mortgage Rates
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Manage Your Mortgage
Online Mortgage Management
Take the guesswork out of your mortgage payments and stay connected with e-mortgage. Access your account balance and payment activity 24/7, review past statements, and more - All safely and securely online.
Testimonials
Mandy: Buying My First Home
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1Mortgages are available in WA State Only. Eligible for purchase on primary residence only. Loans are subject to NW Plus CU membership, credit approval, and other underwriting criteria; not everyone will qualify. Certain restrictions apply. Home loan programs, terms and conditions are subject to change without notification.
Rates effective as of 08/05/2026
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.
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% |
*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.
All certificates of deposit require a $500 minimum deposit. Early withdrawal penalties may apply for all Certificates of Deposit / IRAs. Rates are indications only. CU reserves the right to change posted rates to reflect market conditions and other factors. Annual Percentage Yield column reflects impact of compounding on annual basis and is required to be given under T-I-S. Funds on deposit over $250,000 may not be insured by NCUA.
Rates effective as of 05/27/2026. 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 | 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% |
*Rewards checking account that offers Cash Back rewards when certain monthly qualifications are met.
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.
Rates effective as of 05/27/2026. 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 08/05/2026.
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) |
*LTV Maximum - 80% of AVM or 80% of Appraisal
**HELOC Plus program
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
Rates effective as of 08/05/2026
Home Improvement Loan
| Loan Amount | Annual Percentage Rate |
|---|---|
| Up to $10,000 | 7.99% |
| Up to $25,000 | 8.49% |
Rates subject to change without notice. Final rate determined on credit score and loan term. To refinance an existing NW Plus CU Loan, please call for rates.
Rates effective as of 05/27/2026
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 | Annual Percentage Yield |
| up to $15,000 | $25 | 5.00% | 5.12% |
| $15,000+ | $25 | 0.25% | 5.12% -.88% |
| *If qualifications not met | 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 eStatements rather than paper statements
- Maintain a valid email address on record with the credit union
Rates effective as of 05/27/2026. Fees may reduce earnings. Funds on deposit over $250,000 may not be insured by NCUA.
Kasasa Saver*
| Account Balance | Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield |
| 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 eStatements rather than paper statements
- Maintain a valid email address on record with credit union
Rates effective as of 05/27/2026. Fees may reduce earnings. Funds on deposit over $250,000 may not be insured by NCUA.
Land Loans
Maximum Loan Amount $300,000
| Term | Note Rate | APR | Max. LTV | Loan Fee | P&I Pmt Based on $100,000 |
| 15 Years | 7.250% | 7.552% | 75% | 1.000% | ($912.86) |
| 20 Years | 7.750% | 8.001% | 75% | 1.000% | ($820.95) |
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 08/05/2026
Money Market Accounts
Regular Money Market
| Minimum Balance | Maximum Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| $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 | Annual Percentage Yield |
|---|---|---|---|
| $50,000 | $99,999 | 1.25% | 1.26% |
| $100,000 | $249,999 | 1.50% | 1.51% |
| $250,000 | over* | 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.
Rates effective as of 05/27/2026. Fees may reduce earnings.
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 | 6.750% | 6.880% | 95% | 0.500% | ($648.60) |
| 20 Year | 6.500% | 6.667% | 95% | 0.500% | ($745.57) |
| 15 Years | 6.250% | 6.456% | 95% | 0.500% | ($857.42) |
| 10 Years | 6.125% | 6.414% | 95% | 0.500% | ($1,116.49) |
| 30 Years USDA** | 6.875% | 7.007% | 102% | 0.500% | ($656.93) |
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 | 7.250% | 7.386% | 95% | 0.500% | ($682.18) |
| 15 years | 6.750% | 6.962% | 95% | 0.500% | ($884.91) |
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 | 6.500% | 6.627% | 95% | 0.500% | ($632.07) |
| 5/1 ARM | 6.625% | 6.754% | 95% | 0.500% | ($640.31) |
| 7/1 ARM | 6.875% | 7.016% | 95% | 0.500% | ($656.93) |
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 | 6.625% | 6.778% | 100% | 0.750% | ($640.31) |
| 7/1 ARM | 6.875% | 7.041% | 100% | 0.750% | ($656.93) |
Adjustment Criteria:
Current Index: 1 YR T-BILL = 4.080%
| 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 | 7.500% | 7.798% | 85% | 2.000% | ($699.21) |
| 30 Years 5/1 ARM | 7.375% | 7.670% | 85% | 2.000% | ($690.68) |
*APR = Annual Percentage Rate
**Purchase & Refinance Existing USDA Only
Mortgages are available in WA State Only. Loans are subject to NW Plus CU membership, credit approval, and other underwriting criteria; not everyone will qualify. Certain restrictions apply. Home loan programs, terms and conditions are subject to change without notification. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Mortgage Program rates effective as of 08/05/2026
Personal Line of Credit
| Loan | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
|
Unsecured revolving line of credit |
10.50% | 17.50% |
|
Share Secured |
Call for Rate | Call for Rate |
Rates subject to change without notice. Final rate determined on credit score and loan term. To refinance an existing NW Plus CU Loan, please call for rates.
Rates effective as of 05/27/2026
Personal Term Loan
| Term | Lowest Annual Percentage Rate | Highest Annual Percentage Rate |
|---|---|---|
| Up to 72 Months | 8.99% | 17.99% |
Rates subject to change without notice. Final rate determined on credit score and loan term.
Rates effective as of 05/27/2026
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 | Annual Percentage yield |
| 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 |
| Christmas Club | $0.00 | 1.00% | 1.00% |
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.
Rates effective as of 05/27/26. Fees may reduce earnings.
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 Annual Percentage Rate | Highest Annual Percentage Rate | |
|---|---|---|
| Purchase & Refinance | 4.49% | 12.74% |
| NW Plus Internal Refinance | 5.49% | 13.74% |
Used Cars
| Lowest Annual Percentage Rate | Highest Annual Percentage Rate | |
|---|---|---|
| Purchase & Refinance | 4.99% | 12.74% |
| NW Plus Internal Refinance | 5.99% | 13.74% |
Recreational Vehicles
| Lowest Annual Percentage Rate | Highest Annual Percentage Rate | |
| Boat & RV** | 7.75% | 12.75% |
| Motorcycle & Snowmobile | 7.75% | 12.75% |
*New and used, purchase and refinance
Rates subject to change without notice. Final rate determined on credit score and loan term.
Rates effective as of 05/27/2026.