Limited Time Only: 20% Off Wills and Trusts
August is make-a-will month! Get 20% off when you purchase by August 31, and protect your wishes and your loved ones.
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
- Clarity and peace of mind
- Simple, guided questionnaire
- Transparent pricing
- Expert support available
Our estate planning tools through Legal Karma offer you affordable will and trust templates you can complete on your own time, from the comfort of your own home.
Creating Your Estate Plan in a Few Easy Steps:
- Register and verify your email address with Legal Karma
- Take a short quiz and select a product
- Complete your order through our secure payment portal (split payment options are available)
- Answer the guided questionnaire
- Once submitted, your documents will be ready within 3-5 business days
- You'll receive your documents via email with an invitation to review
{beginNavtabs h2}
Personalized Support
Dedicated Member Support Team
Estate planning can feel overwhelming, but you don’t have to navigate it alone. Whether you have questions about getting started or need help finalizing your plan, we’re here to assist you every step of the way, our dedicated Member Support Team is here to help.
You Can:
- Call: 425.689.1808, anytime 9:00 AM–5:00 PM, Monday–Friday.
- Chat: Log in to your wills and trusts account to access live chat support, 9:00 AM–5:00 PM, Monday–Friday. Support is available both in English and in Spanish
- Schedule: Reserve a time that works for you to connect with an expert who can walk you through the process.
Will Package
Will Package
Decide who will inherit what, and who you'd like to take care of your final affairs. It also includes an advanced health directive and powers of attorney.
Includes:
- Last Will and Testament
- Financial Power of Attorney
- HIPAA Authorization
- Advanced Health Directive
- Living Will
- Medical Power of Attorney
- Declaration of Appointment of Guardian
- Appointment of Agent to Control Disposition of Remains
Single $249 | Joint $299
Not sure where to start? Gather what you need with the Will Checklist
Trust Package
Revocable Living Trust Package
Creates a trust to manage your assets during your lifetime and appoint a trusted loved one to oversee it if you're unable. It specifies who gets what and can set rules for when and how property is distributed. The package includes a "pour-over" last will and testament and powers of attorney.
Includes:
- Revocable Trust
- Pour-over Will
- Certificate of Trust
- Advanced Health Directive
- Living Will
- Medical Power of Attorney
- HIPAA Authorization
- Declaration of Appointment of Guardian
- Appointment of Agent to Control Disposition of Remains
Single $599 | Joint $749
Not sure where to start? Gather what you need with the Trust Checklist
What’s The Difference?
What is the Difference Between a Will and a Trust?
A will details who you want getting which parts of your property, and only takes effect posthumously.
A trust also explains who gets what, but can include rules about when and how the property is given out. They can also help manage your estate during your lifetime.
The difference is the amount of control desired over your wishes and intentions for your assets, and for your loved ones.
Document Glossary
Last Will and Testament
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 or people 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 who you want to make decisions regarding your bodily remains.
Revocable Living 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
A pour-over will works in conjunction with a revocable living trust. It makes sure any assets not placed into your trust during your lifetime are “poured over” or transferred into your trust upon your death.
It means any assets you did not add to your initial trust can still be managed and distributed according to your estate plan.
Certificate of Trust
This document is a summary of the provisions in your trust to provide to financial institutions, title companies, etc. when moving assets in or out of your trust or when naming your trust as a beneficiary on an account.
Think of it like a state ID or driver's license for your trust - It proves that the trust is real, in effect, and valid while also naming those who are authorized to act for it.
{endNavtabs}
{beginAccordion}
How does the process work?
- Register and verify your email address with Legal Karma
- Take a short quiz and select a product
- Complete your order through our secure payment portal (split payment options are available)
- Answer the guided questionnaire
- Once submitted, your documents will be ready within 3-5 business days
- You'll receive your documents via email with an invitation to review
If you have any questions, feel free to give us a call at 425-689-1808. Support is available both in English and in Spanish
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.
{endAccordion}
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.
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 08/13/2026.
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 08/13/2026
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 | 7.125% | 7.425% | 75% | 1.000% | ($905.83) |
| 20 Years | 7.625% | 7.874% | 75% | 1.000% | ($813.25) |
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 08/13/2026
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 | 6.625% | 6.754% | 95% | 0.500% | ($640.31) |
| 20 Year | 6.375% | 6.541% | 95% | 0.500% | ($738.23) |
| 15 Years | 6.125% | 6.330% | 95% | 0.500% | ($850.62) |
| 10 Years | 6.000% | 6.287% | 95% | 0.500% | ($1,110.24) |
| 30 Years USDA** | 6.750% | 6.880% | 102% | 0.500% | ($648.60) |
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 | 7.125% | 7.260% | 95% | 0.500% | ($673.72) |
| 15 years | 6.625% | 6.836% | 95% | 0.500% | ($877.99) |
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 | 6.375% | 6.501% | 95% | 0.500% | ($623.87) |
| 5/1 ARM | 6.500% | 6.627% | 95% | 0.500% | ($632.07) |
| 7/1 ARM | 6.750% | 6.889% | 95% | 0.500% | ($648.60) |
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 | 6.500% | 6.652% | 100% | 0.750% | ($632.07) |
| 7/1 ARM | 6.750% | 6.914% | 100% | 0.750% | ($648.60) |
Adjustment Criteria:
Current Index: 1 YR T-BILL = 4.040%
| 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 | 7.375% | 7.670% | 85% | 2.000% | ($690.68) |
| 30 Years 5/1 ARM | 7.250% | 7.542% | 85% | 2.000% | ($682.18) |
*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 08/13/2026
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.