Estate Planning

We’ve partnered with Legal Karma to provide access to affordable and simple estate planning you can complete at your own pace, from wherever you might be. You can create wills, trusts, powers of attorney, and more. 

Benefits You’ll Love

  • Protect your family, home, and assets 
  • Easily register with Legal Karma 
  • Select from different planning packages 
  • Live chat support
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Details

Creating Your Simple Estate Plan is Easy

  1. Register and verify your email address with Legal Karma. 
  2. View the menu of services and complete the guided questionnaire. 
  3. Questions? Call the Legal Karma member support team at 425.689.1808 or log into your Wills and Trusts account to engage with live chat. Phone and chat support are available 9:00 AM – 5:00 PM, Monday – Friday. 
  4. Once you submit your questionnaire, your answers will be used to create your estate plan which will be ready to download within 3 – 5 business days. 

We Are Here to Help

Contact the Legal Karma member support team: 425.689.1808, 9:00 AM – 5:00 PM, Monday – Friday.

Or schedule a free call with them here

Live chat support

Login to your wills and trusts account to access live chat support 9:00 AM – 5:00 PM, Monday – Friday.

Products

Will

This document defines how your estate will be distributed (who inherits what) and appoints the person who will handle your final affairs as your Executor (sometimes referred to as your “Personal Representative”). When you create a will, you can also nominate guardians for your children, dependents, or pets.

Financial Power of Attorney

This document allows your named agent(s) the authority to make financial, property, and investment decisions in the event you become incapacitated.

Medical Power of Attorney

This document gives your named agent(s) the authority to make health care decisions in accordance with your wishes in the event you are unable to make decisions for yourself. 

HIPAA Authorization

This document gives authorization for your physician or medical entity to disclose your health information to your designated representative.

Living Will/Advanced Directive for Physicians

This document communicates your decisions about end-of-life care.

Declaration of appointment of guardian

This document designates the person(s) you would like to serve as your guardian in the event you need a guardian to manage your affairs during your lifetime.

Appointment of agent to control disposition of remains

This document appoints your agent to control and make decisions regarding your bodily remains.

Revocable trust

This document names who will continue on as successor trustee of your estate when you are no longer able and provides guidance and direction for how and to whom your assets and personal property will be held or distributed.

Pour-over will

This document works in conjunction with a revocable trust. “Pour-over” provides that any assets not arranged for with the trust are to be moved into the trust for the purposes of managing your estate.

Certificate of trust

This document is a summary of the provisions in your trust to provide to financial institutions (banking, brokerage/investment, etc.), title companies, etc. when moving assets in or out of your trust or when naming your trust as a beneficiary on an account.

Packages

Will Package 

Single $249 | Joint $299 

Will, Financial Power of Attorney, Medical Power of Attorney, HIPAA Authorization, Living Will/Advanced Directive for Physicians, Declaration of Appointment of Guardian, Appointment of Agent to Control Disposition of Remains 

Revocable Living Trust Package 

Single $599 | Joint $749 

Revocable Trust, Pour-over Will, Certificate of Trust, Financial Power of Attorney, Medical Power of Attorney, HIPAA Authorization, Living Will/Advanced Directive for Physicians, Declaration of Appointment of Guardian, Appointment of Agent to Control Disposition of Remains 

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Learn More

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How does the process work?  

  1. Log into your online banking account and go to the Estate Planning tab.
  2. Select a product and answer the guided questionnaire
  3. If you have any questions call Legal Karma member support at 425.689.1808 or schedule a meeting here.
  4. Complete your order through our secure payment portal.
  5. Once you submit, sit tight! Your documents will be ready in 3-5 business days.
    1. Real humans review each submission for completeness.
    2. We'll reach out if we have questions.
  6. You'll receive your documents via email with an invitation to schedule a review call with our staff.

Have questions? Call us right now – 425.689.1808

Or book a meeting with your Legal Karma member support team

Why are you offering this to members?

At NW Plus CU, we value the connections we build with each member, and are focused on what's important to you. A recent study showed that 68% of Americans lack valid estate planning documents due to the perception that the process is complex and expensive. Our goal is to empower you through access to information, education, and support to give you an opportunity to create a comprehensive and reliable will or trust package.

What is estate planning?

Estate planning is the process of preparing for and creating legal documents that provide the opportunity to name and authorize trusted loved ones to act or transaction on your behalf (make financial and medical decisions) when you are unable. A typical estate plan also provides the opportunity to create a legacy plan for the distribution of your asset when you pass.

Who needs estate planning?

Every adult may benefit from some form of estate planning. Having a plan in place provides the comfort and confidence of knowing if the unexpected happens, your trusted loved ones will know your wishes and intentions and be empowered to carry them out.

Who are these product templates designed for?

The provided templates are designed for those with straightforward estate planning goals. If you have complex financial situations, family structures, or unique needs it’s always best to confer with licensed to professional to determine the type estate plan that best meets particular circumstances.

Is this legal?

Yes! The state specific, reliable document templates are created by attorneys. Once you have entered your responses and submitted the questionnaire, your documents will be prepared and emailed to you to print, sign, and notarize.

What documents are included in an estate plan through this solution?

The available estate plan document tools include a Last Will and Testament or Revocable Trust, General Durable (Financial) Power of Attorney, Medical Power of Attorney, Advance Directive/Living Will, HIPAA Authorization, Declaration of Appointment of Guardian, and Appointment of Agent to Control Disposition of Remains. The product options are presented in comprehensive packages to ensure the estate plan you choose is complete.

What is the difference between a Last Will and Testament and a Revocable Trust?

In the most general terms, the difference is a Will details who gets what and a trust provides who gets what and how. The difference is the amount of control desired in ordered to fulfill your wishes and intentions.

What is probate?

Probate is the legal process of administering your estate after you pass. This court process involves identifying and valuing your assets, paying any outstanding debts, and distributing the remaining assets to the heirs. Probate primarily applies to individuals who only have wills in place (or nothing at all).

Can I avoid probate?

Yes. Building an estate plan around a trust can help avoid the need for probate and can make the process easier.
 

What is “funding” a Revocable Trust?

Once you have created a trust, during your lifetime, you serve as the trustee of your own trust, retaining control over the assets titled into your trust. After creating the trust the important next step is commonly referred to as “funding” the Trust. This involves transferring or re-title of your assets from your name into the name of the Trust. To do this, contact the respective financial institutions, title companies, etc. and complete the necessary paperwork provided by the entity. They may ask for a copy of your trust certificate (included in the comprehensive trust package).

Can I transfer my home to the trust?

Whether you own real property outright or have a mortgage, you have the option to transfer or title the property into the name of the trust so it can be held, sold, distributed or managed through the trust.

What is the difference between a Revocable Trust and an Irrevocable Trust?

A Revocable Trust can be changed or revoked by the person who created it while an irrevocable trust typically cannot be changed or revoked, except in very limited circumstances with court permission and the approval of all beneficiaries.

Do I need an estate plan if I don't have many assets?

Everyone can benefit from having an estate plan, regardless of the size of their estate. An estate plan has benefits that are more than just the value of an estate. Yes, an estate plan can ensure your assets are distributed according to your wishes. Additionally, other document in a comprehensive estate plan allow you to name trusted loved ones to assist with making with financial and medical decisions during your lifetime if you need their help.

Can I make changes to my estate plan?

Yes, you can make changes to your estate plan at any time.

After I download my forms, what are the next steps?

Your estate plan will be emailed to you directly. Along with the documents, you’ll receive written instructions for signing and notarizing the documents in your package. Once the documents are signed and notarized, make copies to share as needed and store the originals in a safe location (a safe deposit box or secure location at home).

Should I inform others that I have created an estate plan?

Letting your loved ones know you have created a plan, and where to find the documents if they need to act on your behalf, can eliminate confusion and further disruption in trying times. However, it is entirely up to you if, whether, or how, your share your information.

Is my information secure?

Yes. Your information is stored and protected with the highest levels of protection. We are serious about security and will never share or sell your personal information.

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Neither NW Plus CU nor Legal Karma are law firms nor are they attorneys. Neither NW Plus CU nor Legal Karma are a substitute for an attorney nor law firm. Neither organization provides legal advice nor legal services. Any information provided is for informational purposes only and is not legal advice. The use of the Wills and Trusts Site and Applications are not intended to create any attorney-client relationship and your use of the Site and/or Applications does not and will not create an attorney-client relationship.

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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 3.75% 3.80%
12 Month** $500 3.75% 3.80%
24 Month** $500 3.50% 3.54%
36 Month $500 2.50% 2.52%
48 Month $500 2.25% 2.26%
60 Month $500 2.00% 2.01%
  • 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 11/3/2025. 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 11/3/2025. 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

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 = 3.570%

Program No. Index Margin Annual Cap Life Cap  
NON5/1 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: 11/3/2025

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 5.500% 5.684% 95% 0.500% ($817.08)
10 Years 5.375% 5.635% 95% 0.500% ($1,097.08)
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: 11/3/2025

Kasasa Cash Back

Each Monthly
Qualification Cycle

 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 11/3/2025. 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 11/3/2025. Fees may reduce earnings.

 

Loans

Loan Lowest Annual Percentage Rate Highest Annual Percentage Rate

Auto Loans-New

Purchase & Refinance

Internal Refinance

 

4.99%

5.99%

 

11.99%

12.99%

Auto Loans-Used

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%

Personal Loan

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%

Home Improvement Loan

up to $10,000

  8.50%   8.50%

Home Improvement Loan

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.

Other First Mortgage Programs

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)

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)
  • *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: 11/3/2025

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%

Money Market

$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.