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APY = Annual Percentage Yield. Rates effective as of July 1, 2020. Fees may reduce earnings.

Checking Accounts Learn More

Account Minimum Balance Dividend Rate Annual Percentage Yield
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%
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.

Savings Accounts Learn More

Account Minimum Balance Dividend Rate Annual Percentage Yield
Regular Savings $5.00 to earn interest 0.10% 0.10%
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

Club Accounts $0.00 0.20% 0.20%

Money Market

$2,000 - $9,999

$2,000 0.15% 0.15%
Money Market

$10,000 - $24,999

 

$10,000 0.20% 0.20%
Money Market

$25,000 - over

 

$25,000 0.25% 0.25%
Premium Money Market

$50,000 - $99,999

 

$50,000 0.35% 0.35%
Premium Money Market

$100,000 - $249,999

 

$100,000

0.45% 0.45%
Premium Money Market

$250,000 - over*

 

$250,000 0.55% 0.55%

 

  • 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.
  • *Funds on deposit over $250,000 may not be insured by NCUA

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 2.750% 2.972% 95% 0.500% ($954.11)
15 Years 2.875% 3.028% 95% 0.500% ($684.59)
20 Years 3.125% 3.245% 95% 0.500% ($560.88)
30 Years 3.250% 3.336% 95% 0.500% ($435.21)

 

  • *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.

Loans Learn More

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

Purchase & Refinance.

Special Rate*

 

2.90%

1.90%*

 

9.90%

8.90%*

Used Auto Loans

Purchase & Refinance.

Special Rate*

3.40%

2.40%*

10.40%

9.40%*

VISA Platinum

Rewards Credit Card

9.75%
1.99% Introductory APR for 9 months from account opening
 18.00%
VISA Platinum 8.75%
1.99% Introductory APR for 9 months from account opening 
 17.00%
Boat & RV Loans

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

 5.00%  12.00%
Motorcycles & Snowmobiles  5.00%  12.00%
Signature Loan

Unsecured Closed End Loan

 8.50%  15.50%
Timeline Loan

Unsecured revolving line of credit; attached to checking

8.00%   15.00%

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.
  • * Special Auto Rate for New Money to NW Plus CU. Funded in House

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.

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%

 

  • 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 0.25% 0.25%
$10,000 - $99,999 $10,000 0.30% 0.30%
$100,000 - over $100,000 0.35%   0.35% 
  • 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 0.35% 035%
$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.

24 Month Certificate of Deposit Learn More

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.

36 Month Certificate of Deposit Learn More

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.

48 Month Certificate of Deposit Learn More

Deposit Amount Minimum Deposit Interest Rate Annual Percentage yield
$500 - $9,999 $500 0.50% 0.50%
$10,000 - $99,999 $10,000 0.55% 0.55%
$100,000 - over $100,000  0.60%  0.60%

 

  • 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 0.55% 0.55%
$10,000 - $99,999 $10,000 0.60% 0.60%
$100,000 - over $100,000  0.65%  0.65% 

 

  • 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.

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