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Rates

Rates effective January 20, 2019

Rates may change after accounts are opened.

$5 is required to open and maintain membership in NW Plus CU.

Fees may reduce earnings.

APY = Annual Percentage Yield.


Certificate of Deposits are a smart way to earn higher dividends than you would on a regular savings, checking or money market account. The best part: as long as you don't withdraw the funds early, you're guaranteed a fixed rate of return. That's right -- it's a sure thing.


While you're here, check out our competitive rates on a wide variety of other financial products below!

*Annual Percentage Yield (APY) accurate as of 8/16/2018. Rates subject to change without notice. Minimum opening deposit and balance is $5,000. A penalty may be imposed for early withdrawal and fees may reduce earnings.

Checking Account

AccountMinimum BalanceDividend RateAnnual Percentage Yield
Totally Free Checking$00.00%0.00%
50 Plus Checking$00.05%0.05%
Direct Checking$00.05%0.05%
Premium Interest Checking

$0 - $1,499
$1,500 +


$1,500
$1,500


0.05%
0.10%


0.05%
0.10%

Totally Free Business Checking$00.00%0.00%
Premium Business Checking$5,0000.15%0.15%
  • 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 Account Rates

AccountMinimum BalanceDividend RateAnnual Percentage Yield
Regular Savings$5.00 to earn interest0.10%0.10%
Youth AccountsDepends on Age0.10%0.10%
Christmas Club$0.010.15%0.15%
Money Market

$2,000 - $9,999

$2,0000.15%0.15%
Money Market

$10,000 - $24,999

$10,0000.20%0.20%
Money Market

$25,000 - over

$25,0000.25%0.25%
Premium Money Market

$50,000 - $99,999

$50,0000.45%0.45%
Premium Money Market

$100,000 - $249,999

$100,0000.60%0.60%
Premium Money Market

$250,000 - over

$250,0000.75%0.75%
  • 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.

First Mortgage Fixed Rate Program

Owner Occupied PropertyNote RateAPRMax LTVLoan FeeP&I Pmt Based on $100,000
10 Years4.00%4.236%95%0.500%($1,012.45)
15 Years4.125%4.290%95%0.500%($745.97)
20 Years4.375%4.506%95%0.500%($625.92)
30 Years4.50%4.596%95%0.500%($506.69)

*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

Equity Loan Program Rates

TermNote RateAPRMax LTVLoan FeeP&I Pmt Based on $100,000
HELOC - $100,000 Max

Equity Line of Credit - 20 Year Term

5.750%5.873%100%0.500%($702.08)
HELOC Plus - $100,000 Max

Equity Line of Credit - 20 Year Term

6.250%6.410%100%0.75%($730.93)
Closed End Equity -$100,000 Max

15 Year Term

5.500%5.653%100%0.500%($817.08)

*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

Certificates of Deposit/IRA Rates

    Deposit AmountMinimum DepositInterest RateAnnual 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.

    Loan Rates

    LoanLowest Annual Percentage RateHighest Annual Percentage Rate
    New Auto Loans

    Purchase & Refinance.

    3.80% ¹10.80% ¹
    Used Auto Loans

    Purchase & Refinance.

    4.30% 11.30%
    VISA Platinum

    Rewards Credit Card

    12.00%

    3.99% Introductory APR for 9 months from account opening

    18.00%
    VISA Platinum11.00%

    3.99% Introductory APR for 9 months from account opening

    18.00%
    Boat & RV Loans

    New & Used, Purchase & Refinance. New Money Only.

    6.00% ¹13.00%
    Boat & RV Loans

    Internal refinance of existing NW Plus CU Loan

    6.00%13.00%
    Motorcycles & Snowmobiles6.80%13.80%
    Domestic - Furniture, Computers & Appliances

    New purchases only

    8.80%15.80%
    Signature Loan

    Signature Loan Special Unsecured closed end loan

    6.50% Promo Rate

    9.50%

    13.50% Promo Rate

    16.50%

    Timeline Loan

    Unsecured revolving line of credit; attached to checking

    9.00%16.00%
    Home Improvement Loan

    up to $10,000

    7.00%7.00%
    Home Improvement Loan

    up to $25,000

    7.25%7.25%
    Share SecuredCall for RateCall 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.

    ¹ Rate is subject to change without notice and subject to credit rating. New money only. Some restrictions may apply.