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Northwest Community Bank Rates & Review March 2026

Northwest Community Bank's savings rates are at 0.05%. Northwest Community Bank's money market rates are at 0.05%. Northwest Community Bank's 15 Year Fixed rates are at 5.50%, 10 Year Fixed rates are at 5.50%, 20 Year Fixed rates are at 5.88%, 10/1 ARM rates are at 5.75%, 30 Year Fixed rates are at 6.00%. Northwest Community Bank's Personal Loan Rates are at 18.00%. MonitorBankRates evaluates the financial stability of Northwest Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.08%. Rates were last updated on 03/24/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.08%
Excellent Lower than avg
Northwest Community Bank
86 Main St
Winsted, CT 06098
https://www.nwcommunitybank.com
Member FDIC

Northwest Community Bank CD Rates

Product Rate APY Term View More
5 Month Time Deposit & IRA 3.59% 3.65% 5
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
7 Month Time Deposit & IRA 3.54% 3.60% 7
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
11 Month Time Deposit & IRA 3.40% 3.45% 11
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
3 Month Time Deposit & IRA 3.40% 3.45% 3
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
18 Month Time Deposit & IRA 3.20% 3.25% 18
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
2 Year Time Deposit & IRA 2.96% 3.00% 2
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
3 Year Time Deposit & IRA 2.96% 3.00% 3
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
4 Year Time Deposit & IRA 2.96% 3.00% 4
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
5 Year Time Deposit & IRA 2.96% 3.00% 5
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
1 Year Time Deposit & IRA 1.98% 2.00% 1
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
6 Month Time Deposit & IRA 1.98% 2.00% 6
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
9 Month Time Deposit & IRA 1.98% 2.00% 9
Min Deposit $500
Min Balance $500
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%

Northwest Community Bank Savings Rates

Product Rate APY View More
Student Savings Club Account 2.50% 2.53%
Min Deposit $5
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
TENANT/AGENT SAVINGS 0.49% 0.49%
Min Deposit $5
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Health Savings Account 0.05% 0.05%
Min Deposit $0
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
HOLIDAY CLUB ACCOUNT 0.05% 0.05%
Min Deposit $1
Min Balance $5
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
IRA SAVINGS 0.05% 0.05%
Min Deposit $5
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
SAVINGS/UTMA SAVINGS 0.05% 0.05%
Min Deposit $5
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Student Savings Club Account 0.05% 0.05%
Min Deposit $5
Min Balance $1,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
TRANSACTION SAVINGS 0.05% 0.05%
Min Deposit $5
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
VACATION CLUB ACCOUNT 0.05% 0.05%
Min Deposit $1
Min Balance $5
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%

Northwest Community Bank Money Market Rates

Product Rate APY View More
Total Business Money Market 2.00% 2.02%
Min Deposit $2,500
Min Balance $250,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
TOTAL MONEY MARKET 2.00% 2.02%
Min Deposit $1,000
Min Balance $100,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Total Business Money Market 1.00% 1.00%
Min Deposit $2,500
Min Balance $5,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
TOTAL MONEY MARKET 1.00% 1.00%
Min Deposit $1,000
Min Balance $50,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
TOTAL MONEY MARKET 0.75% 0.75%
Min Deposit $1,000
Min Balance $10,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Business Money Market 0.60% 0.60%
Min Deposit $2,500
Min Balance $50,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Money Market 0.50% 0.50%
Min Deposit $1,000
Min Balance $25,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Total Business Money Market 0.25% 0.25%
Min Deposit $2,500
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
TOTAL MONEY MARKET 0.25% 0.25%
Min Deposit $1,000
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Business Money Market 0.20% 0.20%
Min Deposit $2,500
Min Balance $5,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Business Money Market 0.15% 0.15%
Min Deposit $2,500
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Money Market 0.10% 0.10%
Min Deposit $1,000
Min Balance $1,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Money Market 0.05% 0.05%
Min Deposit $1,000
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%

Northwest Community Bank Checking Rates

Product Rate APY View More
Business Checking Now 0.05% 0.05%
Min Deposit $25
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
TOTAL PLUS CHECKING 0.05% 0.05%
Min Deposit $25
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
TOTAL 50 CHECKING 0.02% 0.02%
Min Deposit $25
Min Balance $0
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%

Northwest Community Bank Mortgage Rates

Product Rate Points APR Term View More
15 Year Fixed 5.50% 0.0 5.69%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
10 Year Fixed 5.50% 0.0 5.77%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
20 Year Fixed 5.88% 0.0 6.03%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
10/1 ARM 5.75% 0.0 6.08%
Details 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 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
30 Year Fixed 6.00% 0.0 6.12%
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
7/1 ARM 5.75% 0.0 6.16%
Details 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 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
5/1 ARM 5.75% 0.0 6.24%
Details 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 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%

Northwest Community Bank Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Rate Home Equity Loan - 5 Years 6.00% - 6.00% 5
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Fixed Rate Home Equity Loan - 10 Years 6.25% - 6.25% 10
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
HELOC 6.25% - 6.25%
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 6.750% minus .50% = 6.250%. Rate can vary monthly.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Fixed Rate Home Equity Loan - 15 Years 6.38% - 6.38% 15
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Fixed Rate Home Equity Loan - 20 Years 6.50% - 6.50% 20
No additional details.
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%

Northwest Community Bank Personal Loan Rates

Product Rate APR View More
Personal Loans - 24 Months minimum 18.00% 18.00%
Details $2,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Personal Loans - 36 Months minimum 18.00% 18.00%
Details $3,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%
Personal Loans - 48 Months minimum 18.00% 18.00%
Details $5,000
Last Updated 03/24/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.08%

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
FDIC Certificate # 18229
Established 07/15/1875
FDIC Insurance Date 07/01/1960
Domestic Offices 15
Total Branches 15
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
3.08%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.2368%
Return on Equity (ROE) 4.0000%
Non-Performing Loans (NPL) 0.15%
Total Assets $1,204,298,000
Total Deposits $1,002,966,000
Equity Capital $83,439,000
Net Income $5,282,000
Headquarters Winsted
Total Offices 15
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

vmDs
★★★★★
December 17, 2025
VAbu
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Northwest Community Bank
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Frequently Asked Questions About Northwest Community Bank

Is Northwest Community Bank a safe place to deposit money?

Yes, Northwest Community Bank is considered a safe financial institution. With a Texas Ratio of 3.0781216330455%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

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

  • Savings0.05%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.