IRA's
Enjoy the tax benefits of an IRA combined with the security of a CD. We offer both Traditional and Roth IRA CDs so you can choose the one that is best for you.
Benefits You’ll Love
- Open for as little as $500
- Flexible terms from 6 months to 5 years
- Choose between Traditional IRA and Roth IRA
- Guaranteed fixed rates for the full term of your CD
At Northwest Plus Credit Union you are more than just a number. You are unique, and we see you for the person that you are. We are here to help you reach your financial goals no matter where you are in your financial journey.
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Details
IRA CDs – Safe and Predictable Retirement Growth
An IRA CD is a great way to protect your retirement savings while also benefiting from tax-advantaged growth. It is ideal for someone who wants to protect their nest egg while receiving predictable tax-advantaged growth.
Lock in a guaranteed return on your retirement savings without the volatility of the stock market. Choose between Traditional and Roth IRA CDs. Both offer the same guaranteed fixed rate that will not change during the term of your CD.
Other benefits of IRA CDs include:
- Contribute up to $7,000 in 2025 ($8,000 if age 50 or older)
- Federally insured by NCUA up to $250,000
- Traditional IRA CD
- Interest is tax-deferred until you withdraw it in retirement
- Contributions may be tax deductible
- ROTH IRA CD
- Qualified Account Withdrawals are tax-free when withdrawn in retirement
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How is an IRA CD different than a regular CD?
Both IRA CDs and regular CDs feature a guaranteed fixed interest rate, the main difference is how they are treated for tax purposes. Interest earned from a regular CD is taxable in the year that it is earned. Interest earned by an IRA CD is subject to the same tax treatment as a Traditional or Roth IRA.
Can I contribute to both a Traditional IRA CD and a Roth IRA CD?
Yes, you may contribute to both, but you may only contribute a combined total of $7,000 ($8,000) per year to IRAs.
Are there any fees to set up a NW Plus CU IRA CD?
No.
Can I add money to my IRA CD?
Yes, you may make additional deposits to a NW Plus CU IRA CD at any time during the term of the CD. However, Online Banking and Audio Banking deposits are not permitted.
Can I rollover my existing Traditional or Roth IRA account into a NW Plus CU IRA CD?
Yes.
Will my IRA CD contributions be tax deductible?
A Roth contribution is post-tax so there is no tax deduction now, but grows tax-free so long as you make qualified withdrawals.
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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.
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 |
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 |
|---|---|---|
|
Purchase & Refinance Internal Refinance |
4.99% 5.99% |
11.99% 12.99% |
|
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% |
|
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% |
|
up to $10,000 |
8.50% | 8.50% |
|
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% |
|
$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.