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!
Kasasa Cash Back Checking
Get 5.00% cash back on up to $250 in monthly debit card purchases when you qualify.* That’s about $150 cash back per year, $12.50 per month. It’s almost like getting paid to shop!
Benefits You’ll Love
- No monthly maintenance fees
- Cash back on debit purchases*
- Nationwide ATM fee refunds*
- Link to Kasasa Saver®
Kasasa Cash Back Checking
5.00%
Cash Back on Debit Card Purchases*
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.
{beginNavtabs h2}
Kasasa Cash Back®
The Checking Account That Pays You Back
Ideal for the individual looking for a more rewarding checking experience along with no monthly maintenance fees and no minimum balance to earn rewards.
With Kasasa Cash Back, access free digital banking services, more than 5,000 shared branches and 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 benefits of Kasasa Cash Back include:
- Earn 5.00% cash back on Debit Card purchases*
- No category restrictions on purchases
- Cash back earned on up to $250 in purchases monthly
- Earn up to $150 cash back per year, $12.50 per month
- Refunds on ATM withdrawal fees, nationwide (up to $15 per month)*
- Free 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.
- $25 minimum opening deposit
Qualifying to Earn Rewards is Simple!
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 credit union
Even if you don’t meet your qualifications during the cycle, your Kasasa Cash Back account is still free. Plus, you can get back to earning cash back on debit purchases and nationwide ATM withdrawal fee refunds the very next month.
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 through the NW Plus CU Mobile App
- 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
{endNavtabs}
{beginAccordion}
Which Kasasa rewards checking account will pay me the most?
If you generally keep less than $3,000 in your checking account, a Kasasa Cash Back checking account will earn more money than a Kasasa Cash checking account.
When will I receive my Kasasa Cash rewards?
Your dividends and ATM withdrawal reimbursement will be deposited to your account on the first business day of the month after the month in which you met all qualifications.
What if I don’t meet the Kasasa Cash Back qualifications?
If you don’t meet your qualification requirements in a month you will not receive your cash back on debit card payment or reimbursement of nationwide ATM withdrawal fees for that month. Your Kasasa Cash Back account still has no monthly maintenance fee or minimum balance fee and, you can get back to earning rewards the very next month.
What’s the catch?
There is no catch. Each month you meet the qualifications you will earn rewards. Simple as that. Kasasa Cash Back checking accounts are just one way we bring humanity to financial service.
How much does it cost to open a Kasasa Cash Back 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 Kasasa Cash Back account.
How do I open a Kasasa Cash Back checking account?
A Kasasa Cash Back checking account may be opened in person at one of our six local branches. Kasasa Cash Back checking accounts can not be opened online.
What documents do I need to open a Kasasa Cash Back 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 Kasasa Cash Back Checking account online?
No, Kasasa Cash Back checking accounts can not be opened online.
What is the monthly cost of a Kasasa Cash Back Checking account?
NW Plus CU does not charge monthly maintenance or minimum balance fees for Kasasa Cash Back 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.
{endAccordion}
KASASA CASH BACK ACCOUNT DISCLOSURE:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash Back checking 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 credit union
Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.
The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction toward the 12 transactions required to meet rewards qualifications.
"Monthly Qualification Cycle" means a period beginning the first calendar day of each month through the last calendar day of each month. Contact one of our branch service representatives for further clarification.
KASASA CASH BACK REWARD INFORMATION:
When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $250.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $12.50 cash back payments may be earned per Monthly Qualification Cycle.
You will receive reimbursements up to $15.00 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during the Monthly Qualification Cycle in which you qualified.
When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the first business day of the next statement cycle.
ADDITIONAL KASASA ACCOUNT INFORMATION:
Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open a Kasasa Cash Back account. See Service Fees page for fees that may apply to this account. Limit of one account(s) per member. Advertised information and rewards are based on all account qualifications being met during each cycle period. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Contact one of our credit union service representatives for additional information, details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.
Right to Convert
We also reserve the right to convert the account to a different share draft product if the account does not meet monthly qualification requirements over 3 consecutive Qualification Cycles.
Trademarks:
Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.
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.