Digital Banking
Manage your finances whenever and wherever you want to, securely and conveniently.
- Secure and convenient
- Mobile and online access
- *Send money with Zelle®
- Get organized fast with Bill Pay
{beginNoColNavtabs}
Get Started With Online Banking
Log in today for secure, convenient, and completely free online access to your accounts.
Download the Mobile App
Access your accounts whenever and wherever you want, quickly and securely with the official NW Plus CU mobile app.
{endNoColNavtabs}
Enjoy digital banking through our website and the NW Plus CU mobile app. Manage your accounts when it’s convenient for you with our suite of digital tools. Sign up for eStatements and Bill Pay® to add even more convenience to your account.
{beginNavtabs h2}
Online Banking
Get Started with Online Banking
Open the door to easy, convenient banking whenever and wherever you want. Set up your Online Banking account to:
- Check recent transaction history, account balances and more
- Get Mobile Banking access - Once you log in to online banking, your login will work in our official NW Plus CU App
- Sign up for eStatements and eNotices
- Make everyday budgeting simple with tools like Bill Pay and Zelle
Mobile Banking
Mobile Management for Your NW Plus CU Accounts
The NW Plus CU Mobile Banking App is the convenient and secure way to manage your accounts from your mobile device.
- Check account balances and see recent transactions
- Transfer money between accounts instantly
- Deposit checks quickly and securely with remote deposit capture
- Open new accounts
- View your eStatements
CARDS+ Debit Card Management
Built into your Mobile App, CARDS+ puts control at your fingertips.
- Activate your card, and set or reset your PIN
- Instantly lock and unlock your debit card from anywhere
- Set spending limits, and add controls for where and how your card is used
- Set transaction notifications and alerts
- See detailed spending insights; view spending by category, monthly trends or location
eStatements
Don't Pay for Paper - Set Up eStatements Today
eStatements contain the same information as paper statements but are faster and more secure. Log in to your NW Plus CU online banking page and select “eStatements” to enroll today!
- Same information
- More secure
- Get statements sooner
- Access up to 18 months of past statements
- Reduce clutter and waste
An email alert is sent each time a new eStatement is available. To view eStatements, log in to your online banking page and click the “eStatements” link, or go to “Statements & Documents” in your NW Plus CU mobile app.
eNotices
Get Important Notices Faster
Turn on eNotices by switching your delivery method to 'Electronic' in Online Banking.
- Annual tax forms, CD notices, and more
- More secure than mailed documents
- Receive documents faster
- Reduce clutter and waste
- Downloadable and printable for future reference
Log in to your NW Plus CU online banking page and select “eNotices”, go to 'Delivery Method' tab to switch to electronic. You'll get notified by email when you have a new document available.
Not getting the emails? Check your spam folder to make sure you get what you need when you need it.
Bill Pay
Manage Your Bills the Easy Way
One secure place to organize, schedule, and automate your bills.
- Add, manage, and pay bills through one convenient place with Bill Pay
- Set up one-time or repeating payments for utilities, subscriptions, and more.
- Set bill notifications, and never miss a payment again.
Zelle®
Send and receive money with Zelle®
We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.
- Securely send and receive money with friends and family
- Free and simple to use
- No third-party app needed, access Zelle® directly through NW Plus CU digital banking
Easily Start Today Using Your Email Address or U.S. Mobile Number
- Enroll or log in to Mobile or Online Banking
- Select “Send Money With Zelle®”
- Accept Terms and Conditions
- Select your U.S. mobile number or email address and deposit account
That’s it! You’re ready to start sending and receiving money with Zelle®.
Simple Tips to Ensure Your Money Is Sent Safely
- Only use Zelle® to send money to friends, family and other people you trust.
- Make sure your recipient’s name, U.S. mobile phone number and email address are correct before sending money.
- If a payment situation feels off, it probably is. Trust your gut and investigate.
Credit Sense
Free Credit Score Monitoring
Whether you're planning for a big purchase, looking to improve your credit score, or simply staying on top of your money, Credit Sense gives you the tools you need for free.
- Understand the Factors Impacting Your Score
- Credit Score Simulator to see how decisions may affect your score
- Stay up-to-date on your credit report for any signs of suspicious activity or errors
Quicken® Integration
Download All of Your Transactions Directly into Quicken®
NW Plus CU offers Direct Connect, Web Connect, and Express Web Connect integration to download your account information directly into Quicken®.
No manual data entry
Once you're set up, you can download all your transactions right into Quicken® instead of typing them in by hand.
Automatically reconcile data
Web Connect data includes complete transaction and balance information to make categorization and account reconciliation easy.
No duplicate transactions
Web Connect incorporates a special transaction-matching algorithm that prevents the download of duplicate transactions.
Easier to use
Direct Connect files may be automatically opened from within Quicken®, eliminating the need to search for files that have been downloaded. Web Connect files can be automatically opened by Quicken® directly from the NW Plus CU website, which eliminates the need for you to search for files that have been downloaded.
Automatic account setup with Web Connect
Simply initiate a download to Quicken® from the NW Plus CU website, and Quicken sets up your accounts for you, with your data already up to date.
{endNavtabs}
{beginAccordion}
Mobile App Minimum System Requirements
Tier 1 carriers in the U.S.:
- AT&T
- Verizon
- T-Mobile/Sprint
- US Cellular
Apple Devices
- iOS 16 and iPad OS16
- All later major version updates are supported; for example 16.0, 17.0, 18.0
- NW Plus CU Mobile App Version 25.1.31 or higher downloaded via Apple App Store
- Default installed browser--Safari
Android Devices
- Android 11.0 or higher
- All later major version updates are supported, for example 11.0, 12.0, 13.0
- NW Plus CU Mobile App Version 25.1 or higher downloaded via Google Play Store (Android app store)
- Default installed browser--Google Chrome
- Mobile Deposit support requires a camera of at least two mega-pixels in resolution
- Mobile App does not support the use of the Android “Developer options” setting, including USB Debugging
- Jailbroken/rooted devices and MITM interception are not supported
- Only the default installed device browser is supported
- Beta version of browsers are not supported
- The SMS channel is only supported for devices with SMS capability
I Believe I Have Been a Victim of a Scam. Whom Should I Contact?
Please contact our customer support team at 425 297 1000.
Can I Deposit Checks Digitally?
Yes! Mobile Deposit Capture is available in the mobile banking app. when you open the app
How Do I Use Zelle®?
You can send, request or receive money with Zelle®.
- To get started, log in to your online or mobile banking app, navigate to "Send Money with Zelle®," accept terms, provide your email or U.S. mobile number and bank account, and enter the verification code you receive.
- To send money, add a trusted recipient’s email or mobile number, enter the amount and optional note, review, then tap "Send." Funds are usually available to the recipient within minutes if they are enrolled.
- To request money, select “Request,” enter the recipient’s email, mobile number, or Zelle® tag, verify details, and tap “Request.”
- To receive money, share your enrolled email or mobile number and ask the sender to use Zelle®. If you’re enrolled, the funds will deposit into your account within minutes.
- If someone sent you money and you're not enrolled, click the link in the notification, choose your bank, and follow the instructions to enroll using the email or mobile number where you received the notification.
How Do I Receive Money Sent to Me With Zelle®?
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.
If you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select "NW Plus CU".
- Follow the instructions provided on the page to enroll and receive your payment.
Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.
Is My Information Secure When I use Zelle®?
Keeping your money and information secure is a top priority for NW Plus CU. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account secure.
If a payment situation feels off, trust your gut and investigate before sending anything.
Who Can I Send Money to With Zelle®?
Zelle® is ideal for sending money to friends, family, and trusted individuals like your trainer, babysitter, or neighbor.
Since funds transfer instantly between bank accounts, use Zelle® only for trusted contacts.
Do not use it for unfamiliar or unverified transactions, such as online auctions, as these pose high risks similar to sending cash to someone you don’t know.
Can I Send Money to Someone Whose Bank/Credit Union Doesn’t Offer Zelle®?
As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle® in order to send and receive money.
You can find a full list of participating banks and credit unions live with Zelle® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
Can I Reverse or Cancel a Zelle® Payment?
No, Zelle® payments cannot be reversed.
You can only cancel a payment if the recipient hasn't enrolled with Zelle® yet. To check if the payment is pending, go to your activity page, select the payment, and choose “Cancel This Payment.” If that option isn't available, contact our customer support at 425 297 1000 for help.
If the recipient is already enrolled with Zelle® through their bank or credit union, the money goes directly to their account and cannot be canceled. Always send money only to trusted people and double-check that you've used the correct email or U.S. mobile number.
If you sent money to the wrong person, contact our customer support at 425 297 1000 immediately to explore your options.
Can I Use Zelle® Internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Are There Any Fees to Send Money Using Zelle®?
No, NW Plus CU does not charge any fees to use Zelle®. Your mobile carrier’s messaging and data rates may apply.
Are There Any Limits for Sending and Receiving Money With Zelle®?
Your sending limits and frequency are set by each financial institution. To find out NW Plus CU send limits, call our customer service at 425 297 1000.
There are no limits on the amount you can receive with Zelle®. However, senders may have their own sending limits set by their bank.
How Do I Use a Zelle® QR Code?
Zelle® QR codes let you send and receive money without entering an email address or U.S. mobile number.
To find your Zelle® QR code:
- Log in to the official NW Plus CU mobile banking app.
- Tap “Send Money With Zelle®.”
- Go to “Zelle® Settings.”
- Tap “Zelle® QR Code.”
Your QR code will appear under “My Code.” You can share it by text or email, or print it. To receive money, simply share your QR code with the sender.
To send money using a QR code:
- Log in to the official NW Plus CU mobile banking app.
- Tap “Send Money With Zelle®.”
- Tap “Send.”
- Tap the QR code icon on the “Select Recipient” screen.
- Allow camera access and scan the recipient’s QR code.
- Enter the amount and tap “Send.”
Before sending money to someone new, always confirm the recipient’s name on the screen to make sure you’re sending money to the right person.
Does Zelle® Offer Purchase Protection?
Neither NW Plus CU nor Zelle® offers purchase protection for payments made with Zelle®, if you do not receive the item you paid for, or the item is not as described or as you expected.
Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
{endAccordion}
Message and data rates may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.
*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.
Copyright © 2026 Fiserv. All rights reserved. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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
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
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%
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
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% |
- 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 12/18/2025. 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 | APY* |
| 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 12/18/2025. Fees may reduce earnings.
Closed End Equity Loans
15 Year Term
| Amount | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt Based on $100,000 |
| $100,000 Max | 7.750% | 7.879% | 80%* | 0.500% | ($941.28) |
20 Year Term
| Amount | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt Based on $100,000 |
| $100,000 Max | 8.000% | 8.151% | 90% | 0.750% | ($836.44) |
| $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
Rates effective as of 12/18/2025.
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
HELOC
Home Equity Line of Credit
20 Year Term
5 year draw period, 15 year repayment period
| Amount | Note Rate | APR | Max LTV | Loan Fee | P&I Pmt Based on $100,000 |
|---|---|---|---|---|---|
| $100,000 Max | 8.000% | 8.093% | 80%* | 0.000% | ($836.44) |
| $100,000 Max** | 8.250% | 8.414% | 90% | 0.500% | ($852.07) |
| $250,000 Max** | 8.750% | 8.956% | 90% | 0.750% | ($883.71) |
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
**HELOC Plus program
Rates effective as of 12/18/2025.
Home Improvement Loan
| Loan Amount | Lowest APR* | Highest APR* |
|---|---|---|
| Up to $10,000 | 8.50% | 8.50% |
| Up to $25,000 | 9.00% | 9.00% |
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.
Rates effective as of 12/18/2025.
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 | APY |
| up to $15,000 | $25 | 5.00% | 5.12% |
| $15,000+ | $25 | 0.25% | 5.12% -.88% |
| Qualifications not met | $25 | 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 02/01/2026. 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 12/18/2025. Fees may reduce earnings.
Land Loans
Land Purchase
Maximum Loan Amount $300,000
| Term | Note Rate | APR | Max. LTV | Loan Fee | P&I Pmt Based on $100,000 |
| 15 Years | 7.000% | 7.298% | 75% | 1.000% | ($898.83) |
| 20 Years | 7.500% | 7.747% | 75% | 1.000% | ($805.59) |
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 03/23/2026
Money Market Accounts
Regular Money Market
| Minimum Balance | Maximum Balance | Dividend Rate | APY* |
|---|---|---|---|
| $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 | APY* |
|---|---|---|---|
| $50,000 | $99,999 | 1.25% | 1.26% |
| $100,000 | $249,999 | 1.50% | 1.51% |
| $250,000 | over** | 1.75% | 1.76% |
*APY = Annual Percentage Yield. Rates effective as of 11/3/2025. Fees may reduce earnings.
**Funds on deposit over $250,000 may not be insured by NCUA
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.
Mortgages
Fixed Rate Mortgages
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 | 6.500% | 6.627% | 95% | 0.500% | ($632.07) |
| 20 Year | 6.250% | 6.414% | 95% | 0.500% | ($730.93) |
| 15 Years | 6.000% | 6.203% | 95% | 0.500% | ($843.86) |
| 10 Years | 5.875% | 6.160% | 95% | 0.500% | ($1,103.94) |
| 30 Years USDA** | 6.625% | 6.754% | 102% | 0.500% | ($640.31) |
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 | 7.000% | 7.133% | 95% | 0.500% | ($665.30) |
| 15 years | 6.500% | 6.709% | 95% | 0.500% | ($871.11) |
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 | 6.250% | 6.374% | 95% | 0.500% | ($615.72) |
| 5/1 ARM | 6.375% | 6.501% | 95% | 0.500% | ($623.87) |
| 7/1 ARM | 6.625% | 6.762% | 95% | 0.500% | ($640.31) |
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 | 6.375% | 6.525% | 100% | 0.750% | ($623.87) |
| 7/1 ARM | 6.625% | 6.787% | 100% | 0.750% | ($640.31) |
Adjustment Criteria:
Current Index: 1 YR T-BILL = 3.700%
| 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
Maximum Loan Amount* **
| Term | Note Rate | APR | Max. LTV | Loan Fee | P&I Pmt Based on $100,000 |
|---|---|---|---|---|---|
| 30 Years Fixed | 7.250% | 7.542% | 85% | 2.000% | ($682.18) |
| 30 Years 5/1 ARM | 7.125% | 7.414% | 85% | 2.000% | ($673.72) |
*All rates are subject to change without notice.
**Purchase & Refinance Existing USDA Only
***Except in Snohomish/King/Pierce County - Maximum Loan Amount $1,037,300
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
ARM = Adjustable Rate Mortgage
Mortgage Program rates effective as of: 03/24/2026
Personal Line of Credit
| Loan | Lowest APR* | Highest APR* |
|---|---|---|
|
Unsecured revolving line of credit |
10.50% | 17.50% |
|
Share Secured |
Call for Rate | Call 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.
Rates effective as of 12/18/2025.
Personal Term Loans
| Loan Amount | Lowest APR* | Highest APR* |
|---|---|---|
| Up to $7,500 | 9.50% | 16.50% |
| $7,501 to $15,000 | 10.50% | 17.50% |
| $15,001+ | 11.50% | 18.00% |
*APR–Annual Percentage Rate. Rates subject to change without notice. Final rate determined on credit score and loan term.
Rates effective as of 12/18/2025.
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 | APY* |
| 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 |
| Club Accounts | $0.00 | 1.00% | 1.00% |
*APY = Annual Percentage Yield. Rates effective as of 11/3/2025. Fees may reduce earnings.
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.
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 APR* | Highest APR* | |
|---|---|---|
| Purchase & Refinance | 4.99% | 11.99% |
| Internal Refinance | 5.99% | 12.99% |
Used Cars
| Lowest APR* | Highest APR* | |
|---|---|---|
| Purchase & Refinance | 5.24% | 12.24% |
| Internal Refinance | 6.24% | 13.24% |
Recreational Vehicles
| Lowest APR* | Highest APR* | |
| Boat | 7.75% | 12.75% |
| RV | 7.75% | 12.75% |
| Motorcycle | 7.75% | 12.75% |
| Snowmobile | 7.75% | 12.75% |
*APR=Annual Percentage Rate. Rates subject to change without notice. Final rate determined on credit score and loan term.
Rates effective as of 12/18/2025.