Reduce Your Rate, Simplify Your Debt
Achieve your 2026 financial goals with a Debt Consolidation or other Personal Term Loan from NW Plus CU. To welcome you as a new member, we are lowering your qualifying rate by 0.50%. Plus, we’ll take another 0.25% off when you set up autopay at loan opening for a total rate reduction of 0.75%.
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NW Plus CU Personal Term Loans
Save on Personal Term Loans
Ready to get started on your New Year’s financial resolutions? Call 425.297.1000 or stop by one of our branches to learn more about NW Plus CU Personal Term Loans. Manage debt with consolidation, cover car repairs, or go on your 2026 dream vacation.
We Offer:
- Competitive rates
- In-house decision making
- Flexible terms to fit your goals
- Friendly, in-person guidance
And more!
Why Consolidate?
One Rate, One Payment, One Goal
Consolidating multiple lines of debt into one means you only have one fixed, predictable payment to make each month. Our experienced lending team is here to help, and can help you determine your next steps.
Give us a call to schedule a chat, or get in touch with our lending team directly at [email protected]
All Members Enjoy
Free credit score monitoring
All NW Plus CU members can activate a complimentary Credit Sense credit score/credit report monitoring subscription.
Easy access to your money
NW Plus CU is part of the CO-OP shared branching and ATM network. Members can access a nationwide network of more than 5,000 shared branches and more than 30,000 surcharge-free ATMs.
Digital banking
Get all the tools you need to manage your account with online banking through our website, or the NW Plus CU mobile app1. You can manage your bills with Bill Pay™, view your eStatements, check recent transactions and more.
Get paid up to two days early
Access your direct deposit up to two days early with Early Pay to NW Plus CU checking or savings account.2
Bill Pay™
Schedule and pay bills automatically from your NW Plus CU online banking account, or on the mobile app.
Quicken® Integration
Quicken® users can download all of their transactions directly into Quicken®.
Zelle®
Send and receive money with Zelle® in minutes, right from the NW Plus CU mobile app3.
Why We’re Different
Not-For-Profit • Member Owned • Community Committed
NW Plus CU is a full-service, member-owned financial institution. Members have access to a full range of financial products and services, including: savings accounts, checking accounts, certificates of deposit (CDs), business banking accounts, consumer loans, mortgages and more.
We are also a not-for-profit financial cooperative. We work for the benefit of our members and return our profits to them through lower loan rates, higher rates on savings and checking accounts, low fees and innovative products.
When you become a NW Plus CU member you become an equal shareholder with the other members, you become an owner. Each member has one vote to elect the volunteer Board of Directors and Supervisory Committee. These volunteers provide governance to a professional management team and credit union operations.
Everyone is welcome at NW Plus CU. We are proud to be one of fewer than 130 Juntos Avanzamos designated credit unions nationwide. This designation is awarded to credit unions that are committed to serving and empowering Hispanic and immigrant consumers, providing safe, affordable and relevant financial services.
What Drives Us
We Bring Humanity to Financial Services
Our mission is guided by our core values. These principles guide everything we do:
- Invested in Members: We work together to serve our members and we are committed to making a difference in their lives. We prioritize people over profits.
- Superior Service: We provide professional, friendly, personalized service. We are easy to work with and always willing to help.
- Community Committed: We are proud to be invested in the communities we serve. We deliver big-value products & services with small-town hospitality.
- Opportunities for All: Every person deserves financial success. We see the whole individual and help our members achieve their goals at every stage of their financial journey.
At NW Plus CU we promise our members superior service. That means:
- We value the connection we build with each member. We get to know you, and what’s important to you.
- We’re committed to keeping your private information safe, secure, and confidential.
- We serve you with our undivided attention because we respect your time and value your business.
- We genuinely listen to your needs, using all of our knowledge and resources to provide trusted recommendations for enhancing your financial well-being.
Our History
Since 1939, NW Plus has provided financial services to the employees and family members of Frontier Communications formerly known as GTE and Verizon in Snohomish and Skagit County. Since then, we have expanded our charter to include anyone who lives, works or worships in the State of Washington.
If you are ready for a financial institution that sees you for who you are, NW Plus CU is the place for you. Learn how you can become a member today.
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*NW Plus CU members who qualify for an unsecured Personal Term loan between 1/2/26 through 2/28/26 qualify to reduce the rate you qualify for by .50%. Another reduction of .25% when you set up automatic payments at loan opening. Get up to .75% total reduced from the rate you qualify for.
Rate based on credit score and subject to change without notice. Not all who apply will qualify. New money only.
For new NW Plus CU members: If you were a member in the past, you must have been a member in good standing when previous membership was terminated.
See here for current loan rates.
Other restrictions may apply.
1 Message and data rates may apply. Please check with your phone provider.
2 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.
We reserve the right to reverse a deposit if the settlement does not occur or if there is any error or omission found in the transmitted data.
3 To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.