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APY = Annual Percentage Yield. Rates effective as of July 1, 2019. Fees may reduce earnings.

Checking Accounts Learn More

Account Minimum Balance Dividend Rate Annual Percentage Yield
Totally Free Checking $0 0.00% 0.00%
50 Plus Checking $0 0.05% 0.05%
Direct Checking $0 0.05% 0.05%
Smart Checking (Youth) $0 0.00% 0.00%
Totally Free Business Checking $0 0.00% 0.00%
Premium Business Checking $5,000 0.15% 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.

Premium Interest Checking Learn More

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 Learn More

Account Minimum Balance Dividend Rate Annual Percentage Yield
Regular Savings $5.00 to earn interest 0.15% 0.15%
Regular Business Savings $5.00 0.00% 0.00%
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

Christmas Club $0.00 0.20% 0.20%

Money Market

$2,000 - $9,999

$2,000 0.25% 0.25%
Money Market

$10,000 - $24,999

 

$10,000 0.30% 0.30%
Money Market

$25,000 - over

 

$25,000 0.35% 0.35%
Premium Money Market

$50,000 - $99,999

 

$50,000 0.60% 0.60%
Premium Money Market

$100,000 - $249,999

 

$100,000

0.75% 0.75%
Premium Money Market

$250,000 - over

 

$250,000 1.00% 1.00%

 

  • 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 Learn More

Owner Occupied Property Note Rate APR Max LTV Loan Fee P&I Pmt Based on $100,000
10 Years 3.250% 3.478% 95% 0.500% ($977.19)
15 Years 3.250% 3.407% 95% 0.500% ($702.67)
20 Years 3.625% 3.750% 95% 0.500% ($586.40)
30 Years 3.875% 3.967% 95% 0.500% ($470.24)

 

  • *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 Learn More

Term Note Rate APR Max LTV Loan Fee P&I Pmt Based on $100,000 
HELOC - $150,000 Max
Equity Line of Credit - 20 Year Term*
6.00%   6.127%  100%  0.500%  ($716.43)
HELOC Plus - $100,000 Max
Equity Line of Credit - 20 Year Term
 6.50%  6.665%  100%  0.750%  ($745.57)
Closed End Equity -$200,000 Max
15 Year Term*
 5.75%  5.907%  100%  0.500%  ($830.41)

 

  • 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

*Based on tax assessed value.

3 Month Certificate of Deposit Learn More

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%

 

  • All certificates of deposit require a $500 minimum deposit.
  • Youth certificates of deposit require a minimum deposit of $100
  • 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.

6 Month Certificate of Deposit Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.65% 0.65%
$10,000 - $99,999 $10,000 0.70% 0.70%
$100,000 - over $100,000 0.75%   0.75% 
  • 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 Month Certificate of Deposit Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 1.20% 1.20%
$10,000 - $99,999 $10,000 1.25% 1.26%
$100,000 - over $100,000 1.30%   1.31% 

 

  • 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 Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 1.30% 1.31%
$10,000 - $99,999 $10,000 1.35% 1.36%
$100,000 - over $100,000  1.40%  1.41% 

 

  • 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.

36 Month Certificate of Deposit Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 1.45% 1.46%
$10,000 - $99,999 $10,000 1.55% 1.56%
$100,000 - over $100,000  1.65%  1.66%

 

  • 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 Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 1.50% 1.51%
$10,000 - $99,999 $10,000 1.60% 1.61%
$100,000 - over $100,000  1.70%  1.71%

 

  • 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 Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 1.80% 1.81%
$10,000 - $99,999 $10,000 1.90% 1.91%
$100,000 - over $100,000  2.00%   2.02% 

 

  • 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.

Loans Learn More

Loan Lowest Annual Percentage Rate Highest Annual Percentage Rate
New Auto Loans

Purchase & Refinance.

 3.80%  10.80%
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 Platinum 11.00%
3.99% Introductory APR for 9 months from account opening 
 18.00%
Boat & RV Loans

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

 6.00%  13.00%
Motorcycles & Snowmobiles  6.80%  13.80%
Domestic - Furniture, Computers & Appliances

New purchases only

8.80%   15.80%
Signature Loan

Unsecured Closed End Loan

 9.50%  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 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.

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