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!
Basic Checking
At NW Plus CU, our Basic Checking gives you more! Take care of everyday expenses without the hassle of fees or minimum balance requirements.
Benefits You’ll Love
- No monthly service charge
- Full access digital banking
- Co-Op Shared Branch & ATMs
- Early Pay on direct deposits
At Northwest Plus Credit Union you are more than just a number. You are unique, and we see you for the person that you are. We are here to help you reach your financial goals no matter where you are in your financial journey.
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Basic Checking
The Checking Account Essentials You Need
With Basic Checking, access a variety of digital banking services, more than 30,000 surcharge-free ATMs nationwide, and get paid up to two days early when you have direct deposit, courtesy of NW Plus CU Early Pay.
Other features of Basic Checking include:
- No monthly service charge
- No minimum balance requirements
- Free contactless Visa® debit card
- Add it to your favorite digital wallet, manage your card in the NW Plus CU mobile app, and automatically add to your savings account with Debit Card Roundup
- Access to more than 5,000 shared branches and more than 30,000 surcharge-free ATMs through the CO-OP network
- $25 minimum opening deposit
Digital Banking
It’s no secret that life can get busy. At NW Plus CU, we’re here to work together and provide you with helpful resources that can help with your financial journey. Manage your finances whenever and where you need with our secure, easy to use digital banking tools.
Online Banking through the NW Plus CU Website
- Transfer funds between accounts
- View account balances in real time
- Reorder checks
- Enjoy easy recordkeeping with eStatements
- Access past statements
- Ability to download and save for future reference
- Available through online banking and your NW Plus CU mobile app
- Set alerts for your accounts
- Use eNotices for electronic messages regarding non-sufficient funds, delinquency, overdraft transfers, maturing certificates, and electronic 1099-INT & 1098-Mortgage Interest Notifications
- Pay bills anytime, anywhere it’s convenient for you with Bill Pay
- Avoid late payments and fees
- Set up reminders
- Set up recurring payments
- Download activity to Quicken to better manage your budget
- To register for online banking, click the "Login" button at the top of this page and choose the "Enroll Today
Mobile Banking
- Fast, free, and secure service for members enrolled in online banking1
- Available to personal and business customers
- Easily keep track of your finances anytime, anywhere:
- View account balances
- View account transactions
- Transfer funds between accounts
- Pay bills (must be set up through our online banking system, Personal Branch)
- Remotely deposit checks
- Send and receive money with Zelle® in minutes, right from the NW Plus CU mobile app
- View eStatements
- Monitor your credit score with a complimentary Credit Sense subscription
CARDS+
- Instantly deactivate a lost or stolen NW Plus debit card, and instantly reactivate it if the card is found
- Use CARDS+ to define a how your card can be used. Set restrictions by:
- Geographic location
- Merchant types
- Transaction types
- Set spending limits
- Add alerts to see exactly where and when your card is used
- See detailed information about each purchase you make with your card
- View your spending by category, monthly trends or location
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How much does it cost to open a Basic 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 Basic Checking account.
How do I open a Basic checking account?
A Basic checking account may be opened in person at one of our six local branches, or online by pressing the “Join NW Plus CU” button.
What documents do I need to open a Basic 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 Basic Checking account online?
Yes. Simply press the “Join NW Plus CU” button and you will be guided through the account opening process. A NW Plus CU representative will contact you if additional information is needed.
What is the monthly cost of a Basic Checking account?
NW Plus CU does not charge monthly maintenance or minimum balance fees for Basic 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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*Message and data rates may apply. Check with your cell service provider.
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% |
- 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 | 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 12/18/2025. Fees may reduce earnings.
Closed End Equity Loans
15 Year Term
| Amount | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt Based on $100,000 |
| $100,000 Max | 7.750% | 7.879% | 80%* | 0.500% | ($941.28) |
20 Year Term
| Amount | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt Based on $100,000 |
| $100,000 Max | 8.000% | 8.151% | 90% | 0.750% | ($836.44) |
| $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 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
| Amount | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt Based on $100,000 |
|---|---|---|---|---|---|
| $100,000 Max | 8.000% | 8.093% | 80%* | 0.000% | ($836.44) |
| $100,000 Max** | 8.250% | 8.414% | 90% | 0.500% | ($852.07) |
| $250,000 Max** | 8.750% | 8.956% | 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 12/18/2025.
Home Improvement Loan
| Loan Amount | Lowest APR* | Highest APR* |
|---|---|---|
| Up to $10,000 | 8.50% | 8.50% |
| Up to $25,000 | 9.00% | 9.00% |
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 12/18/2025.
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 | 0.20% | 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 02/01/2026. 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 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 | 6.375% | 6.663% | 75% | 1.000% | ($864.25) |
| 20 Years | 6.875% | 7.113% | 75% | 1.000% | ($767.81) |
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 02/13/2026
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 | 0.70% | 0.70% |
| $100,000 | $249,999 | 0.85% | 0.85% |
| $250,000 | over** | 1.00% | 1.00% |
*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 $806,500
| Term | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt based on $100,000 |
|---|---|---|---|---|---|
| 30 Years | 5.875% | 5.995% | 95% | 0.500% | ($591.54) |
| 20 Year | 5.500% | 5.656% | 95% | 0.500% | ($687.89) |
| 15 Years | 5.375% | 5.570% | 95% | 0.500% | ($810.47) |
| 10 Years | 5.250% | 5.526% | 95% | 0.500% | ($1,072.92) |
| 30 Years USDA** | 6.000% | 6.121% | 102% | 0.500% | ($599.55) |
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 | 6.375% | 6.501% | 95% | 0.500% | ($623.87) |
| 15 years | 5.875% | 6.076% | 95% | 0.500% | ($837.12) |
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 | 5.625% | 5.742% | 95% | 0.500% | ($575.66) |
| 5/1 ARM | 5.750% | 5.869% | 95% | 0.500% | ($583.57) |
| 7/1 ARM | 6.000% | 6.129% | 95% | 0.500% | ($599.55) |
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 | 5.750% | 5.892% | 100% | 0.750% | ($583.57) |
| 7/1 ARM | 6.000% | 6.153% | 100% | 0.750% | ($599.55) |
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 |
Investment Mortgages
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 | 6.625% | 6.904% | 85% | 2.000% | ($640.31) |
| 30 Years 5/1 ARM | 6.500% | 6.776% | 85% | 2.000% | ($632.07) |
*All rates are subject to change without notice.
**Purchase & Refinance Existing USDA Only
***Except in Snohomish/King/Pierce County - Maximum Loan Amount $1,037,300
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: 02/13/2026
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 12/18/2025.
Personal Term Loans
| Loan Amount | Lowest APR* | Highest APR* |
|---|---|---|
| Up to $7,500 | 9.50% | 16.50% |
| $7,501 to $15,000 | 10.50% | 17.50% |
| $15,001+ | 11.50% | 18.00% |
*APR–Annual Percentage Rate. Rates subject to change without notice. Final rate determined on credit score and loan term.
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 | 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 11/3/2025. 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% | 11.99% |
| Internal Refinance | 5.99% | 12.99% |
Used Cars
| Lowest APR* | Highest APR* | |
|---|---|---|
| Purchase & Refinance | 5.24% | 12.24% |
| Internal Refinance | 6.24% | 13.24% |
Recreational Vehicles
| Lowest APR* | Highest APR* | |
| Boat | 7.75% | 12.75% |
| RV | 7.75% | 12.75% |
| Motorcycle | 7.75% | 12.75% |
| Snowmobile | 7.75% | 12.75% |
*APR=Annual Percentage Rate. Rates subject to change without notice. Final rate determined on credit score and loan term.
Rates effective as of 12/18/2025.