Traditional CD Rates

Rates effective since August 1, 2017

Certificate Option
Balance
Interest Rate
Annual Percentage Yield
Traditional CD (3 months)
$500+
0.150%
0.15%
Traditional CD (6 months)
$500+
0.300%
0.30%
Traditional CD (12 months)
$500+
0.399%
0.40%
Traditional CD (18 months)
$500+
0.648%
0.65%
Traditional CD (24 months)
$500+
0.747%
0.75%
Traditional CD (36 months)
$500+
1.243%
1.25%
Traditional CD (48 months)
$500+
1.490%
1.50%
Traditional CD (60 months)
$500+
1.736%
1.75%

Truth-In-Savings Disclosure

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information. The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
  2. Compounding and Crediting. Interest will be compounded and credited monthly.
  3. Balance Information.  The minimum opening balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.
  4. Accrual of Interest.  Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. 
  5. Transaction Limitations.  For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term.  At account opening, you may elect to have accrued interest transferred to another account of yours.
  6. Maturity.  Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
  7. Early Withdrawal Penalty.  We may impose a penalty if you withdraw any of the principal before the maturity date.
    1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.
    2. How the Penalty Works.  The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account.  It applies whether or not the interest has been earned.  In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
    3. Exceptions to Early Withdrawal Penalties.  At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
      1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
      2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.
  8. Renewal Policy  Your account will automatically renew for another term upon maturity at the prevailing rate.  You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. 
  9. Nontransferable/Nonnegotiable.  Your account is nontransferable and nonnegotiable.  The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
  10. National Credit Union Administration (NCUA) Federal Deposit Insurance.  Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above.  If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

Bump-Up CD Rates

Rates effective since August 1, 2017

CD Option
Minimum Balance
Interest Rate
Annual Percentage Yield
Bump-Up CD (25 month)
$500+
0.549%
0.55%
Bump-Up CD (37 month)
$500+
1.045%
1.05%
Bump-Up CD (49 month)
$500+
1.292%
1.30%
Bump-Up CD (61 month)
$500+
1.539%
1.55%

Truth-in-Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information. The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
  2. Bump Interest Rate Information.  You may choose to update or "Bump" the Interest Rate and Annual Percentage Yield on a 25-month certificate to the prevailing Interest Rate of the NWCU 24-month certificate.  The 37-month certificate can be updated to the prevailing Interest Rate of the NWCU 36-month certificate. The 49-month certificate can be updated to the prevailing Interest Rate of the NWCU 48-month certificate. The 61-month certificate can be updated to the prevailing Interest Rate of the NWCU 60-month certificate. The "Bump" option can only be exercised once during the term of the certificate.  The updated or bumped Interest Rate will become effective within three business days after we receive your notice. The new Interest Rate will not be applied retroactively.
  3. Compounding and Crediting.  Interest will be compounded and credited monthly.
  4. Balance Information.  The minimum opening balance for all Certificates is $500.  Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.
  5. Accrual of Interest.  Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. 
  6. Transaction Limitations.  For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term.  At account opening, you may elect to have accrued interest transferred to another account of yours.
  7. Maturity.  Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
  8. Early Withdrawal Penalty.  We may impose a penalty if you withdraw any of the principal before the maturity date.
    1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows:
      terms 90 days to 11 months - 90 days,
      terms 12 months and over - 180 days.
    2. How the Penalty Works.  The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account.  It applies whether or not the interest has been earned.  In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
    3. Exceptions to Early Withdrawal Penalties.  At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
      1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
      2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.
  9. Renewal Policy.  Your account will automatically renew for another term upon maturity at the prevailing rate.  You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
  10. Nontransferable/Nonnegotiable.  Your account is nontransferable and nonnegotiable.  The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
  11. National Credit Union Administration (NCUA) Federal Deposit Insurance.  Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above.  If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

Variable Add-On CD Rates

Rates effective since August, 2017

CD Option
Minimum Balance
Interest Rate
Annual Percentage Yield
Variable Rate Add-On CD (24 month)
$500+
0.797%
0.80%

Truth-in-Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information.  The available Interest Rate and Annual Percentage Yield on your accounts are set forth above.  The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period.  The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity.  A withdrawal of interest will reduce earnings.
  2. Variable Interest Rate Information.  The variable rate may be adjusted on the first day of each calendar quarter.  The rate will be determined by credit union management.
  3. Compounding and Crediting.  Interest will be compounded and credited monthly.
  4. Balance Information.  The minimum opening balance for all Certificates is $500.  Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.
  5. Accrual of Interest.  Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. 
  6. Transaction Limitations  You may make unlimited additional deposits to your account.  There is no minimum to each additional deposit.  You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term.  At account opening, you may elect to have accrued interest transferred to another account of yours. 
  7. Maturity.  Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
  8. Early Withdrawal Penalty.  We may impose a penalty if you withdraw any of the principal before the maturity date.
    1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.
    2. How the Penalty Works.  The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account.  It applies whether or not the interest has been earned.  In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
    3. Exceptions to Early Withdrawal Penalties.  At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
      1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
      2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.
  9. Renewal Policy   Your account will automatically renew for another term upon maturity at the prevailing rate.  You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
  10. Nontransferable/Nonnegotiable.  Your account is nontransferable and nonnegotiable.  The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
  11. National Credit Union Administration (NCUA) Federal Deposit Insurance.  Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Variable Rate Add-on Certificate Accounts as of the Effective Date indicated above.  If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

Youth CD Rates

Rates effective since August 1, 2017

CD Option
Interest Rate
Annual Percentage Yield
12 month Youth Add-on CD
0.399%
0.40%

Truth-In-Savings Disclosure

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information. The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
  2. Compounding and Crediting. Interest will be compounded and credited monthly.
  3. Balance Information.  The minimum opening balance for all Certificates is $100. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.
  4. Accrual of Interest.  Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. 
  5. Transaction Limitations  You may make unlimited additional deposits to your account.  There is no minimum to each additional deposit.  You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term.  At account opening, you may elect to have accrued interest transferred to another account of yours. 
  6. Maturity.  Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
  7. Early Withdrawal Penalty.  We may impose a penalty if you withdraw any of the principal before the maturity date.
    1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.
    2. How the Penalty Works.  The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account.  It applies whether or not the interest has been earned.  In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
    3. Exceptions to Early Withdrawal Penalties.  At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
      1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
      2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.
  8. Renewal Policy  Your account will automatically renew for another term upon maturity at the prevailing rate.  You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty. 
  9. Nontransferable/Nonnegotiable.  Your account is nontransferable and nonnegotiable.  The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
  10. National Credit Union Administration (NCUA) Federal Deposit Insurance.  Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above.  If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

IRA Traditional CD rates

Rates effective August 1, 2017

Account
Balance
Interest Rate
Annual % Yield
IRA Traditional  3 month CD
$500+
0.200%
0.20%
IRA Traditional 6 month CD
$500+
0.349%
0.35%
IRA Traditional 12 month CD
$500+
0.449%
0.45%
IRA Traditional 18 month CD
$500+
0.689%
0.70%
IRA Traditional 24 month CD
$500+
0.797%
0.80%
IRA Traditional 36 month CD
$500+
1.292%
1.30%
IRA Traditional 48 month CD
$500+
1.539%
1.55%
IRA Traditional 60 month CD
$500+
1.785%
1.80%

*Please see a list of our Fees and Charges for more information.

Truth-In-Savings Disclosure

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information. The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
  2. Compounding and Crediting. Interest will be compounded and credited monthly.
  3. Balance Information. The minimum opening balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.
  4. Accrual of Interest. Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings. 
  5. Transaction Limitations. For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.
  6. Maturity. Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
  7. Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.
    1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.
    2. How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
    3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
      1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
      2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.
  8. Renewal Policy Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
  9. Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
  10. National Credit Union Administration (NCUA) Federal Deposit Insurance. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

IRA Bump-Up CD Rates

Rates effective since August 1, 2017

CD Option
Interest Rate
Annual Percentage Rate
25 Month IRA Bump-Up CD
0.549%
0.55%
37 Month IRA Bump-Up CD
1.045%
1.05%
49 Month IRA Bump-Up CD
1.292%
1.30%
61 Month IRA Bump-up CD
1.539%
1.55%

Truth-in-Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information.  The available Interest Rates and Annual Percentage Yields on your accounts are set forth above.  The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period.  The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity.  A withdrawal of interest will reduce earnings.
  2. Bump Interest Rate Information.  You may choose to update or "Bump" the Interest Rate and Annual Percentage Yield on a 25-month certificate to the prevailing Interest Rate of the NWCU 24-month certificate.  The 37-month certificate can be updated to the prevailing Interest Rate of the NWCU 36-month certificate. The 49-month certificate can be updated to the prevailing Interest Rate of the NWCU 48-month certificate. The 61-month certificate can be updated to the prevailing Interest Rate of the NWCU 60-month certificate. The "Bump" option can only be exercised once during the term of the certificate.  The updated or bumped Interest Rate will become effective within three business days after we receive your notice. The new Interest Rate will not be applied retroactively.
  3. Compounding and Crediting.  Interest will be compounded and credited monthly.
  4. Balance Information.  The minimum opening balance for all Certificates is $500.  Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.
  5. Accrual of Interest.  Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.
  6. Transaction Limitations.  For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term.  At account opening, you may elect to have accrued interest transferred to another account of yours.
  7. Maturity.  Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
  8. Early Withdrawal Penalty.  We may impose a penalty if you withdraw any of the principal before the maturity date.
    1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows:
      terms 90 days to 11 months - 90 days,
      terms 12 months and over - 180 days.
    2. How the Penalty Works.  The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account.  It applies whether or not the interest has been earned.  In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
    3. Exceptions to Early Withdrawal Penalties.  At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
      1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
      2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.
  9. Renewal Policy.  Your account will automatically renew for another term upon maturity at the prevailing rate.  You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
  10. Nontransferable/Nonnegotiable.  Your account is nontransferable and nonnegotiable.  The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
  11. National Credit Union Administration (NCUA) Federal Deposit Insurance.  Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above.  If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

 

IRA Variable Rate Add-On CD Rates

Rates effective since August 1, 2017

CD Option
Interest Rate
Annual Percentage Yield
24 month IRA Add-On CD
0.797%
0.80%

Truth-in-Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information.  The available Interest Rate and Annual Percentage Yield on your accounts are set forth above.  The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period.  The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity.  A withdrawal of interest will reduce earnings.
  2. Variable Interest Rate Information.  The variable rate may be adjusted on the first day of each calendar quarter.  The rate will be determined by credit union management.
  3. Compounding and Crediting.  Interest will be compounded and credited monthly.
  4. Balance Information.  The minimum opening balance for all Certificates is $500.  Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.
  5. Accrual of Interest.  Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.
  6. Transaction Limitations  You may make unlimited additional deposits to your account.  There is no minimum to each additional deposit.  You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term.  At account opening, you may elect to have accrued interest transferred to another account of yours. 
  7. Maturity.  Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
  8. Early Withdrawal Penalty.  We may impose a penalty if you withdraw any of the principal before the maturity date.
    1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.
    2. How the Penalty Works.  The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account.  It applies whether or not the interest has been earned.  In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
    3. Exceptions to Early Withdrawal Penalties.  At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
      1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
      2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.
  9. Renewal Policy Your account will automatically renew for another term upon maturity at the prevailing rate.  You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
  10. Nontransferable/Nonnegotiable.  Your account is nontransferable and nonnegotiable.  The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
  11. National Credit Union Administration (NCUA) Federal Deposit Insurance.  Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Variable Rate Add-on Certificate Accounts as of the Effective Date indicated above.  If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

Save to Win CD Rates & Official Rules

Rates effective since February 6, 2018

CD Option Interest Annual Percentage Yield
Save to Win CD 0.349% 0.35%

The basics:

  • Members must be 18 or older and a resident of Save to Win participating states.
  • Minimum opening deposit and minimum balance is $25.
  • Every $25 deposited counts as an entry for the monthly and quarterly drawings. This can be cumulative and doesn't need to be deposited in exact $25 increments. 
  • You can deposit as many times as you'd like each month or all at once, but you can only earn 10 drawing entries per month, per member.
  • You can make a maximum of one (1) withdrawal during the 12-month period; this will have a $25 fee. Amount withdrawn will affect your entries for the month.
  • Any money you win from the prize drawings is yours and will be disbursed into your primary savings account. It may be subject to tax reporting.
  • Odds of winning depend on number of entries received. Sponsor: Northwest Community Credit Union, PO Box 10607, Eugene, OR 97440. For a full list of rules, check out our Truth in Savings disclosures and Official Rules for important information. 

*One (1) entry for every $25 increase in the monthly balance for the member in a Qualifying Certificate Account at month's end, with a maximum of ten (10) entries per month, per member. 

Savings Account Rates

Rates effective Since August 1, 2017

Account
Balance
Interest Rate
Annual % Yield
Regular Share
$0.01 to $99.99
0.000%
0.00%
Regular Share
$100+
0.100%
0.10%
Tomorrow Share
$0.01 to $99.99
0.000%
0.00%
Tomorrow Share
$100+
0.100%
0.10%
No Dividend Shares
$0.01+
0.000%
0.00%
IRA savings - Traditional & Roth
$0.01+
0.200%
0.20%

Truth-In-Savings Disclosures for Savings Accounts

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information. The Dividend Rate and Annual Percentage Yield on your Share accounts are set forth above. For IRA Variable and Pledged Share Accounts*, the Interest Rate and Annual Percentage Yield are set forth above.  The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the Dividend/Interest Rate and frequency of compounding for an annual period. The Regular Shares, Youth Shares, Tomorrow Shares, and Business Savings Account are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier.  For dividend and interest bearing accounts, the Dividend/Interest Rate may change monthly as determined by the Board of Directors.
  2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. For Share accounts, the Dividend Rate and Annual Percentage Yield disclosed are the anticipated Rate and Yield the Credit Union will pay for the applicable dividend period.
  3. Compounding and Crediting. For dividend/interest bearing accounts, dividends/interest will be compounded and credited monthly. The Dividend Period for all dividend-bearing accounts begins on the first calendar day of the month and ends on the last calendar day of the month.
  4. Accrual of Dividends/Interest. Dividends/interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. For Regular Shares, Youth Shares, Tomorrow Shares, Pledged Share Account, and Business Savings, if you close your account before dividend crediting, you will not be paid accrued dividends/interest. Fees may reduce earnings. Fees may reduce earnings. 
  5. Balance Information. Please see the schedule of Fees and Charges for the minimum opening balance required and the minimum monthly balance required to avoid a service fee for each account set forth above. For dividend and interest bearing accounts, dividends and interest are calculated by the daily balance method that applies a daily periodic rate to the daily principal in the account.
  6. National Credit Union Administration (NCUA) Federal Deposit Insurance.  Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).


Checking Account Rates

Rates effective since August 1, 2017

Account
Balance
Interest Rate
Annual % Yield
Northwest Checking
Qualification met*
0.300%
0.30%

Qualification not met*
0.000%
0.00%
Northwest Passage Checking
$100+
0.000%
0.00%

*To meet the qualifications to earn interest on the Northwest Checking Account, you must meet all monthly qualifications: 1) Five (5) settled debit card transactions; 2) One (1) Direct Deposit or ACH Deposit; 3) One (1) login to Internet Banking OR Mobile Banking; and 4) active enrollment in eStatements.

**Please see a list of our Fees and Charges for more information.


Truth-In-Savings Disclosures

Except as specifically described, the following disclosures apply to all checking accounts:

1.        Rate Information. The Interest Rate and Annual Percentage Yield on your Checking accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier.  For interest bearing accounts, the Interest Rate may change monthly at the discretion of the credit union.

2.       Compounding and Crediting. For interest-bearing accounts, interest will be compounded and credited monthly. The Interest Period for all interest-bearing accounts begins on the first calendar day of the month and ends on the last calendar day of the month.

3.       Accrual of Interest. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.

4.       Balance Information. Please see the schedule of Fees and Charges for the minimum opening balance required and the minimum monthly balance required to avoid a service fee for each account set forth above. For interest bearing accounts, interest is calculated by the daily balance method that applies a daily periodic rate to the daily principal in the account.

5.        National Credit Union Administration (NCUA) Federal Deposit Insurance.  Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above.  If you have any questions, please call the Credit Union at 1-800-452-9515. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA). 

This Rate Schedule sets forth current conditions and rates, applicable to your Checking Accounts at Northwest Community Credit Union at this time. The Credit Union may offer other rates or amend the rates contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate Schedule and acknowledges that it is a part of the Membership and Account Agreement.

The rates appearing in this Schedule are accurate and effective for Checking Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

Money Market Rates

Rates effective since August 1, 2017

Account
Balance
Interest Rate
Annual Percentage Yield
Super Investor's Money Market Account
$1,000 to $2,499.99
0.100%
0.10%
Super Investor's Money Market Account
$2,500 to $9,999.99
0.120%
0.12%
Super Investor's Money Market Account
$10,000 to $24,999.99
0.220%
0.22%
Super Investor's Money Market Account
$25,000 to $49,999.99
0.270%
0.27%
Super Investor's Money Market Account
$50,000 to $99,999.99
0.320%
0.32%
Super Investor's Money Market Account
$100,000+
0.369%
0.37%
Super Investor's IRA Account
$1,000 to $2,499.99
0.150%
0.15%
Super Investor's IRA Account
$2,500 to $9,999.99
0.170%
0.17%
Super Investor's IRA Account
$10,000 to $24,999.99
0.270%
0.27%
Super Investor's IRA Account
$25,000 to $49,999.99
0.320%
0.32%
Super Investor's IRA Account
$50,000 to $99,999.99
0.369%
0.37%
Super Investor's IRA Account
$100,000+
0.419%
0.42%

Truth-In-Savings Disclosure

  1. Compounding and crediting. Interest will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month.
  2. Accrual of interest. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. Fees may reduce earnings.
  3. Balance information. The minimum opening balance is $2,500.00. The minimum balance to keep the account open is $1,000.00.
  4. Transaction limitations. No more than six (6) pre-authorized, automatic telephone transfers may be made from this account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, or draft to a third party. If you exceed these limitations, your accounts may be subject to a fee or be closed.
  5. Balance computation method. We use the Daily Periodic balance computation method to calculate the interest on your account.
  6. Rates. Rates may change monthly as determined by the Management of the Credit Union.
  7. The rates appearing in this Schedule are accurate and effective for Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

Business Savings Account Rates

Rates effective August 1, 2017

Account
Balance
Interest Rate
Annual Percentage Yield
Business Savings Account
$0.01 to $99.99
0.000%
0.00%
Business Savings Account
$100+
0.100%
0.10%
Truth-In-Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

  1. Rate Information. The Dividend Rate and Annual Percentage Yield on your Share accounts are set forth above. For IRA Variable and Pledged Share Accounts*, the Interest Rate and Annual Percentage Yield are set forth above.  The Annual Percentage Yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the Dividend/Interest Rate and frequency of compounding for an annual period. The Regular Shares, Youth Shares, Tomorrow Shares, and Business Savings Account are tiered rate accounts. The Dividend Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier.  For dividend and interest bearing accounts, the Dividend/Interest Rate may change monthly as determined by the Board of Directors.
  2. Nature of Dividends. Dividends are paid from current income and available earnings after required transfers to reserves at the end of a dividend period. For Share accounts, the Dividend Rate and Annual Percentage Yield disclosed are the anticipated Rate and Yield the Credit Union will pay for the applicable dividend period.
  3. Compounding and Crediting. For dividend/interest bearing accounts, dividends/interest will be compounded and credited monthly. The Dividend Period for all dividend-bearing accounts begins on the first calendar day of the month and ends on the last calendar day of the month.
  4. Accrual of Dividends/Interest. Dividends/interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. For Regular Shares, Youth Shares, Tomorrow Shares, Pledged Share Account, and Business Savings, if you close your account before dividend crediting, you will not be paid accrued dividends/interest. Fees may reduce earnings. Fees may reduce earnings. 
  5. Balance Information. Please see the schedule of Fees and Charges for the minimum opening balance required and the minimum monthly balance required to avoid a service fee for each account set forth above. For dividend and interest bearing accounts, dividends and interest are calculated by the daily balance method that applies a daily periodic rate to the daily principal in the account.
  6. National Credit Union Administration (NCUA) Federal Deposit Insurance.  Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Savings Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

Business Checking Account Rates

Rates effective since August 1, 2017

Account
Balance
Interest Rate
Annual Percentage Yield
Business Launch Checking
$0.01+
0.000%
0.00%
Small Business Checking
$0.01 to $999.99
0.000%
0.00%
Small Business Checking
$1,000 to $9,999.99
0.100%
0.10%
Small Business Checking
$10,000+
0.250%
0.25%
Regular Business Checking
$0.01 to $2,499.99
0.100%
0.10%
Regular Business Checking
$2,500 to $9,999.99
0.120%
0.12%
Regular Business Checking
$10,000 to $24,999.99
0.220%
0.22%
Regular Business Checking
$25,000 to $49,999.99
0.270%
0.270%
Regular Business Checking
$50,000 to $99,999.99
0.320%
0.32%
Regular Business Checking
$100,000+
0.369%
0.37%

Truth-In-Savings Disclosures

Except as specifically described, the following disclosures apply to all checking accounts:

  1. Rate Information. The Interest Rate and Annual Percentage Yield on your Checking accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier.  For interest bearing accounts, the Interest Rate may change monthly at the discretion of the credit union.
  2. Compounding and Crediting. For interest-bearing accounts, interest will be compounded and credited monthly. The Interest Period for all interest-bearing accounts begins on the first calendar day of the month and ends on the last calendar day of the month.
  3. Accrual of Interest. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.
  4. Balance Information. Please see the schedule of Fees and Charges for the minimum opening balance required and the minimum monthly balance required to avoid a service fee for each account set forth above. For interest bearing accounts, interest is calculated by the daily balance method that applies a daily periodic rate to the daily principal in the account.
  5. National Credit Union Administration (NCUA) Federal Deposit Insurance.  Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above.  If you have any questions, please call the Credit Union at 1-800-452-9515. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA). 

The rates appearing in this Schedule are accurate and effective for Savings Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.


Business Money Market Rates

Rates effective since August 1, 2017

Account
Balance
Interest Rate
Annual Percentage Yield
Business Money Market Account
$1,000 to $2,499.99
0.100%
0.10%
Business Money Market Account
$2,500 to $9,999.99
0.120%
0.12%
Business Money Market Account
$10,000 to $24,999.99
0.220%
0.22%
Business Money Market Account
$25,999 to $49,999.99
0.270%
0.27%
Business Money Market Account
$50,000 to $99,999.99
0.320%
0.32%
Business Money Market Account
$100,000+
0.369%
0.37%

Truth-In-Savings Disclosure

  1. Compounding And Crediting. Interest will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month.
  2. Accrual Of Interest. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. Fees may reduce earnings.
  3. Balance Information. The minimum opening balance is $2,500.00. The minimum balance to keep the account open is $1,000.00.
  4. TRANSACTION LIMITATIONS. No more than six (6) pre-authorized, automatic telephone transfers may be made from this account to another account of yours or to a third party in any month, and no more than three (3) of these six (6) transfers may be made by check, or draft to a third party. If you exceed these limitations, your accounts may be subject to a fee or be closed.
  5. Balance Computation Method. We use the Daily Periodic balance computation method to calculate the interest on your account.
  6. Rates. Rates may change monthly as determined by the Management of the Credit Union.

The rates appearing in this Schedule are accurate and effective for Accounts as of the Effective Date indicated above.  If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.