What are the current interest rates at Northwest Community Bank?

Current rates for Northwest Community Bank include: 12-Month CD: 2.00%, 18-Month CD: 4.15%, 24-Month CD: 3.75%, 36-Month CD: 3.75%, 48-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 2.53%, MMA: 2.02%

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Northwest Community Bank Rates & Review October 2026

Q: How many branches does Northwest Community Bank operate?

Northwest Community Bank currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northwest Community Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Northwest Community Bank's top rates as of October 7, 2026 are 4.20% APY on its 21-Month Time Deposit & IRA CD, 2.53% APY on savings, 2.02% APY on money market accounts, 0.05% APY on checking, 5.75% on its Residential ARM Mortgage - 5/1 ARM, and personal loans from 18.00% APR, according to rates verified by MonitorBankRates. Other Northwest Community Bank CD rates include 15-Month Time Deposit & IRA at 4.15%, 18-Month Time Deposit & IRA at 4.15%, and 11-Month Time Deposit & IRA at 4.10%. Other Northwest Community Bank mortgage rates include Residential Fixed Mortgages - 10 Year Fixed at 6.50%, Residential ARM Mortgage - 10/1 ARM at 6.00%, and Residential ARM Mortgage - 7/1 ARM at 5.875%. MonitorBankRates evaluates the financial stability of Northwest Community Bank with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.16%. Rates last updated and verified on 10/07/2026.

Northwest Community Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Northwest Community Bank? Share your experience about Northwest Community Bank by leaving a review below, or read customer reviews before you decide to use Northwest Community Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

7.16%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Northwest Community Bank

86 Main St
Winsted, CT 06098

https://www.nwcommunitybank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Northwest Community Bank CD Rates

Product	Rate	APY	Term
21 Month Time Deposit & IRA	4.12%	4.20%	21 Month
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85% Oct 7, 20264.20%▲ from 3.85% Sep 24, 20263.85%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
15 Month Time Deposit & IRA	4.07%	4.15%	15 Month
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80% Oct 7, 20264.15%▲ from 3.80% Sep 24, 20263.80%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
18 Month Time Deposit & IRA	4.07%	4.15%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80% Oct 7, 20264.15%▲ from 3.80% Sep 24, 20263.80%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
11 Month Time Deposit & IRA	4.02%	4.10%	11 Month
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75% Oct 7, 20264.10%▲ from 3.75% Sep 24, 20263.75%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
5 Month Time Deposit & IRA	3.93%	4.00%	5 Month
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 7, 20264.00%▲ from 3.60% Sep 24, 20263.60%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
7 Month Time Deposit & IRA	3.93%	4.00%	7 Month
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60% Oct 7, 20264.00%▲ from 3.60% Sep 24, 20263.60%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
2 Year Time Deposit & IRA	3.69%	3.75%	2 Year
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 7, 20263.75%▲ from 3.50% Sep 24, 20263.50%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
3 Year Time Deposit & IRA	3.69%	3.75%	3 Year
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 7, 20263.75%▲ from 3.50% Sep 24, 20263.50%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
4 Year Time Deposit & IRA	3.69%	3.75%	4 Year
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 7, 20263.75%▲ from 3.50% Sep 24, 20263.50%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
5 Year Time Deposit & IRA	3.69%	3.75%	5 Year
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 7, 20263.75%▲ from 3.50% Sep 24, 20263.50%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
3 Month Time Deposit & IRA	3.64%	3.70%	3 Month
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 3.45% → 3.70% ▲ 0.25 pts · high 3.70% / low 3.45% Oct 7, 20263.70%▲ from 3.45% Sep 24, 20263.45%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
1 Year Time Deposit & IRA	1.98%	2.00%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
6 Month Time Deposit & IRA	1.98%	2.00%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
9 Month Time Deposit & IRA	1.98%	2.00%	9 Month
Min Deposit $500 Min Balance $500 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%

Northwest Community Bank Savings Rates

Product	Rate	APY
STUDENT SAVINGS CLUB ACCOUNT	2.50%	2.53%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 to $1,000.00 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.53% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
TENANT/AGENT SAVINGS	0.49%	0.49%
Min Deposit $5 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.49% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
HEALTH SAVINGS ACCOUNT	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 to $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
HEALTH SAVINGS ACCOUNT	0.05%	0.05%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000.00 to $19,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
HEALTH SAVINGS ACCOUNT	0.05%	0.05%
Min Deposit $0 Min Balance $20,000 Details Balance: $20,000.00 and OVER Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
HOLIDAY CLUB ACCOUNT	0.05%	0.05%
Min Deposit $1 Min Balance $5 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
IRA SAVINGS	0.05%	0.05%
Min Deposit $5 Min Balance $0 Details Balance: $0.01 to $49.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
IRA SAVINGS	0.05%	0.05%
Min Deposit $5 Min Balance $50 Details Balance: $50.00 to $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
IRA SAVINGS	0.05%	0.05%
Min Deposit $5 Min Balance $2,500 Details Balance: $2,500.00 to $29,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
IRA SAVINGS	0.05%	0.05%
Min Deposit $5 Min Balance $30,000 Details Balance: $30,000.00 to $39,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
IRA SAVINGS	0.05%	0.05%
Min Deposit $5 Min Balance $40,000 Details Balance: $40,000.00 to $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
IRA SAVINGS	0.05%	0.05%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000.00 and OVER Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
SAVINGS/UTMA SAVINGS	0.05%	0.05%
Min Deposit $5 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
STUDENT SAVINGS CLUB ACCOUNT	0.05%	0.05%
Min Deposit $5 Min Balance $0 Details Balance: $1,000.01 and OVER Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 2.53% → 0.05% ▼ 2.48 pts · high 2.53% / low 0.05% Sep 24, 20260.05%▼ from 2.53% Sep 19, 20262.53%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
TRANSACTION SAVINGS	0.05%	0.05%
Min Deposit $5 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
VACATION CLUB ACCOUNT	0.05%	0.05%
Min Deposit $1 Min Balance $5 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%

Northwest Community Bank Money Market Rates

Product	Rate	APY
TOTAL MONEY MARKET	2.00%	2.02%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and OVER Last Updated 10/07/2026 Rate History 2 changes since Sep 19, 2026 · 2.02% → 2.02% ▼ 0.00 pts · high 2.02% / low 2.00% Oct 7, 20262.02%▲ from 2.00% Sep 24, 20262.00%▼ from 2.02% Sep 19, 20262.02%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
TOTAL MONEY MARKET	1.00%	1.00%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
TOTAL MONEY MARKET	0.75%	0.75%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.75% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
MONEY MARKET	0.50%	0.50%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 and OVER Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
TOTAL MONEY MARKET	0.25%	0.25%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 to $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
MONEY MARKET	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 to $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
MONEY MARKET	0.10%	0.10%
Min Deposit $1,000 Min Balance $5,000 Details Balance: $5,000.00 to $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
MONEY MARKET	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 to $999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%

Northwest Community Bank Business Money Market Rates

Product	Rate	APY
TOTAL BUSINESS MONEY MARKET	2.00%	2.02%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 and OVER Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.02% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
TOTAL BUSINESS MONEY MARKET	1.00%	1.00%
Min Deposit $2,500 Min Balance $5,000 Details Balance: $5,000.00 to $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
BUSINESS MONEY MARKET	0.60%	0.60%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 and OVER Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.60% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
TOTAL BUSINESS MONEY MARKET	0.25%	0.25%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 to $4,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
BUSINESS MONEY MARKET	0.20%	0.20%
Min Deposit $2,500 Min Balance $5,000 Details Balance: $5,000.00 to $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
BUSINESS MONEY MARKET	0.20%	0.20%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 to $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
BUSINESS MONEY MARKET	0.15%	0.15%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 to $2,499.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%

Northwest Community Bank Checking Rates

Product	Rate	APY
TOTAL PLUS CHECKING	0.05%	0.05%
Min Deposit $25 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
TOTAL 50 CHECKING	0.02%	0.02%
Min Deposit $25 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%

Northwest Community Bank Business Checking Rates

Product	Rate	APY
BUSINESS CHECKING NOW	0.05%	0.05%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 to $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
BUSINESS CHECKING NOW	0.05%	0.05%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00 to $19,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
BUSINESS CHECKING NOW	0.05%	0.05%
Min Deposit $25 Min Balance $20,000 Details Balance: $20,000.00 to $29,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
BUSINESS CHECKING NOW	0.05%	0.05%
Min Deposit $25 Min Balance $30,000 Details Balance: $30,000.00 and OVER Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%

Northwest Community Bank Mortgage Rates

Product	Rate	Points	APR	Term
Residential Fixed Mortgages - 10 Year Fixed	6.50%	0.0	6.50%	10 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.40% → 6.50% ▲ 0.10 pts · high 6.50% / low 6.38% Oct 7, 20266.50%▲ from 6.38% Sep 27, 20266.38%▼ from 6.40% Sep 15, 20266.40%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Residential ARM Mortgage - 10/1 ARM	6.00%	0.0	6.534%
Details 10/1 ARM 2-6 CAPS: Interest rate and payment amount is fixed for the first ten years, then is subject to change every year with caps of 2% per adjustment and 6% for the life of the loan. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.53% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Residential ARM Mortgage - 7/1 ARM	5.875%	0.0	6.646%
Details 7/1 ARM 2-6 CAPS: Interest rate and payment amount is fixed for the first seven years, then is subject to change every year with caps of 2% per adjustment and 6% for the life of the loan. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.65% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Residential Fixed Mortgages - 15 Year Fixed	6.50%	0.0	6.698%	15 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.32% → 6.70% ▲ 0.38 pts · high 6.70% / low 6.32% Oct 7, 20266.70%▲ from 6.57% Sep 27, 20266.57%▲ from 6.32% Sep 15, 20266.32%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Residential ARM Mortgage - 5/1 ARM	5.75%	0.0	6.756%
Details 5/1 ARM 2-6 CAPS: Interest rate and payment amount is fixed for the first five years, then is subject to change every year with caps of 2% per adjustment and 6% for the life of the loan. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.76% APR · checked 3 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Residential Fixed Mortgages - 20 Year Fixed	6.875%	0.0	7.038%	20 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.66% → 7.04% ▲ 0.38 pts · high 7.04% / low 6.66% Oct 7, 20267.04%▲ from 6.91% Sep 27, 20266.91%▲ from 6.66% Sep 15, 20266.66%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Residential Fixed Mortgages - 30 Year Fixed	7.125%	0.0	7.253%	30 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.87% → 7.25% ▲ 0.38 pts · high 7.25% / low 6.87% Oct 7, 20267.25%▲ from 7.13% Sep 27, 20267.13%▲ from 6.87% Sep 15, 20266.87%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%

Northwest Community Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5 Years	6.125%	-	6.125%	5 years
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.00% → 6.13% ▲ 0.13 pts · high 6.13% / low 6.00% Sep 27, 20266.13%▲ from 6.00% Sep 15, 20266.00%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
HELOC	6.50%	-	6.50%
Details Rate is equal to Prime rate minus .50 for the life of the loan with a MAXIMUM ANNUAL PERCENTAGE RATE (rate cap) of 18%. The current rate in effect using the index plus the margin is the current Prime Rate of 7.000% minus .50% = 6.500%. Rate can vary monthly. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 19, 20266.50%▲ from 6.25% Sep 15, 20266.25%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Home Equity Loan - 10 Years	6.50%	-	6.50%	10 Years
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.38% → 6.50% ▲ 0.13 pts · high 6.50% / low 6.38% Sep 27, 20266.50%▲ from 6.38% Sep 15, 20266.38%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Home Equity Loan - 15 Years	6.625%	-	6.625%	15 Years
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.50% → 6.63% ▲ 0.13 pts · high 6.63% / low 6.50% Sep 27, 20266.63%▲ from 6.50% Sep 15, 20266.50%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Home Equity Loan - 20 Years	7.00%	-	7.00%	20 Years
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.88% → 7.00% ▲ 0.13 pts · high 7.00% / low 6.88% Sep 27, 20267.00%▲ from 6.88% Sep 15, 20266.88%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%

Northwest Community Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto - 36 Months - 10% Down	8.50%	-	8.50%	36 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.50% APR · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
New Auto - 48 Months - 10% Down	9.00%	-	9.00%	48 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 9.00% APR · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
New Auto - 60 Months - 20% Down	9.50%	-	9.50%	60 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 9.50% APR · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Used Auto - 4-7 years old, 36 Months - 20% Down	10.50%	-	10.50%	36 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 10.50% APR · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Used Auto - 1-3 years old, 48 Months - 20% Down	11.00%	-	11.00%	48 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 11.00% APR · checked 8 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%

Northwest Community Bank Personal Loan Rates

Product	APR	Term
Personal Loans - 24 Months	18.00%	24 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 18.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Personal Loans - 36 Months	18.00%	36 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 18.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Personal Loans - 48 Months	18.00%	48 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 18.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%

Northwest Community Bank Other Rates

Product	Rate	Points	APY/APR
LAND LOANS	6.00%	1.0	8.465%
Details LAND LOANS: Maximum LTV 75%; 10 year amortization, 1/1 ARM 2% annual and 6% lifetime caps: Interest rate and payment amount is fixed for the first year, then is subject to change every year with caps of 2% per adjustment and 6% for the life of the loan. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 8.21% → 8.47% ▲ 0.26 pts · high 8.47% / low 8.21% Oct 7, 20268.47%▲ from 8.21% Sep 15, 20268.21%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
IORETA	0.30%	-	0.30%
Min Deposit $25 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 7 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Northwest Community Bank’s Texas Ratio rose from 3.08% in Q3 2023 to 7.16% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 4.9 and its Health Grade from B to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	7.16%	4.9	A
March 31, 2026	$1.2B	6.71%	4.9	A
December 31, 2025	$1.2B	5.93%	4.9	A
September 30, 2025	$1.2B	6.69%	4.9	A
June 30, 2025	$1.2B	6.39%	4.6	A
March 31, 2025	$1.2B	7.47%	4.4	B+
December 31, 2024	$1.2B	7.03%	4.1	B+
September 30, 2024	$1.2B	8.18%	4.6	A-
June 30, 2024	$1.1B	4.59%	4.2	B+
March 31, 2024	$1.1B	5.08%	4.0	B+
December 31, 2023	$1.1B	2.13%	4.4	A
September 30, 2023	$1.1B	3.08%	3.6	B

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Northwest Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Northwest Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Northwest Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Northwest Community Bank

Bank Holding Company CONNECTICUT MUTUAL HOLDING CO

Address 86 Main St, Winsted, CT 06098 · Northwest Hills

Website https://www.nwcommunitybank.com

FDIC Certificate # 18229

Established 18750715

FDIC Insurance Date 19600701

Domestic Offices 15

Total Branches 15

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

4.9

Exceptional Out of 5.0 Stars

7.16%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5337%

Return on Equity (ROE) 7.7200%

Non-Performing Loans (NPL) 0.49%

Total Assets $1,255,449,000

Total Deposits $1,058,235,000

Equity Capital $86,837,000

Net Income $3,286,000

Headquarters Winsted

Total Branches and Offices 15

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Northwest Community Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Northwest Community Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

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Total Reviews

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Frequently Asked Questions About Northwest Community Bank

How many branches does Northwest Community Bank operate?

Northwest Community Bank currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Northwest Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northwest Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does Northwest Community Bank offer online and mobile banking?

Most modern institutions like Northwest Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.nwcommunitybank.com.

Current Northwest Community Bank Rates

12-Month CD2.00%
18-Month CD4.15%
24-Month CD3.75%
36-Month CD3.75%
48-Month CD3.75%
60-Month CD3.75%
Savings2.53%
MMA2.02%

Retrieved from our database of financial products. Rates subject to change.

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Northwest Community Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Northwest Community Bank Texas Ratio

Northwest Community Bank Health Trend

Northwest Community Bank CD Rates

Northwest Community Bank Savings Rates

Northwest Community Bank Money Market Rates

Northwest Community Bank Business Money Market Rates

Northwest Community Bank Checking Rates

Northwest Community Bank Business Checking Rates

Northwest Community Bank Mortgage Rates

Northwest Community Bank Home Equity & HELOC

Northwest Community Bank Auto Loan Rates

Northwest Community Bank Personal Loan Rates

Northwest Community Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

Northwest Community Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Northwest Community Bank

How many branches does Northwest Community Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Northwest Community Bank offer online and mobile banking?

Current Northwest Community Bank Rates

Compare to Other Banks