Kasasa Cash* Learn More
| Account Balance | Minimum Opening Deposit | Dividend Rate | APY |
| up to $15,000 | $25 | 5.00% | 5.12% |
| $15,000+ | $25 | 0.20% | 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.
Checking Accounts Back to Top Learn More
| 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.
Kasasa Saver* Back to Top Learn More
| 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.
Savings Accounts Back to Top Learn More
| 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.
Money Market Accounts Back to Top Learn More
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 | 0.70% | 0.70% |
| $100,000 | $249,999 | 0.85% | 0.85% |
| $250,000 | over** | 1.00% | 1.00% |
*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.
Certificates of Deposit Back to Top Learn More
| 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.
Vehicle Loans Back to Top Learn More
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.
Personal Term Loans Back to Top Learn More
| 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.
Personal Line of Credit Back to Top Learn More
| 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.
Home Improvement Loan Back to Top Learn More
| 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.
HELOC Back to Top Learn More
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.
Closed End Equity Loans Back to Top Learn More
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.
Land Loans Back to Top Learn More
Land Purchase
Maximum Loan Amount $300,000
| Term | Note Rate | APR | Max. LTV | Loan Fee | P&I Pmt Based on $100,000 |
| 15 Years | 6.375% | 6.663% | 75% | 1.000% | ($864.25) |
| 20 Years | 6.875% | 7.113% | 75% | 1.000% | ($767.81) |
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 02/13/2026
Mortgages Back to Top Learn More
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 | 5.875% | 5.995% | 95% | 0.500% | ($591.54) |
| 20 Year | 5.500% | 5.656% | 95% | 0.500% | ($687.89) |
| 15 Years | 5.375% | 5.570% | 95% | 0.500% | ($810.47) |
| 10 Years | 5.250% | 5.526% | 95% | 0.500% | ($1,072.92) |
| 30 Years USDA** | 6.000% | 6.121% | 102% | 0.500% | ($599.55) |
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 | 6.375% | 6.501% | 95% | 0.500% | ($623.87) |
| 15 years | 5.875% | 6.076% | 95% | 0.500% | ($837.12) |
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 | 5.625% | 5.742% | 95% | 0.500% | ($575.66) |
| 5/1 ARM | 5.750% | 5.869% | 95% | 0.500% | ($583.57) |
| 7/1 ARM | 6.000% | 6.129% | 95% | 0.500% | ($599.55) |
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 | 5.750% | 5.892% | 100% | 0.750% | ($583.57) |
| 7/1 ARM | 6.000% | 6.153% | 100% | 0.750% | ($599.55) |
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 |
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 | 6.625% | 6.904% | 85% | 2.000% | ($640.31) |
| 30 Years 5/1 ARM | 6.500% | 6.776% | 85% | 2.000% | ($632.07) |
*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: 02/13/2026