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Northwest Community Bank

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Northwest Community Bank Rates & Review November 2026

Q: 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%

Q: What CD terms does Northwest Community Bank offer?

Northwest Community Bank CD rates are 4.00% APY for a 5 month CD, 4.10% APY for an 11 month CD, 2.00% APY for a 12 month CD, 4.15% APY for a 15 month CD, 4.15% APY for an 18 month CD, 4.20% APY for a 21 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 3 year CD, 3.75% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Northwest Community Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Northwest Community Bank's 21-Month Time Deposit & IRA rates are at 4.20%, 15-Month Time Deposit & IRA rates are at 4.15%, 18-Month Time Deposit & IRA rates are at 4.15%, 11-Month Time Deposit & IRA rates are at 4.10%, 5-Month Time Deposit & IRA rates are at 4.00%. Northwest Community Bank's savings rates are at 2.53%. Northwest Community Bank's money market rates are at 2.02%. Northwest Community Bank's checking rates are as high as 0.05%. Northwest Community Bank's Residential Fixed Mortgage - 10 Year Fixed rates are at 6.375%, Residential Fixed Mortgage - 15 Year Fixed rates are at 6.375%, 10/1 ARM 2-6 Caps rates are at 6.25%, 7/1 ARM 2-6 Caps rates are at 6.00%, 5/1 ARM 2-6 Caps rates are at 6.00%. Northwest Community Bank's Personal Loan Rates are as low as 18.00%. Northwest Community Bank's savings rates are 35% lower than the MonitorBankRates national average, and it has an A health rating. 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 11/05/2026.

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 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	Min. Deposit
21-Month Time Deposit & IRA	4.12%	4.20%	21 Month	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 12 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 12 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	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 12 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 Qualifying balance up to $1,000.00; Balance: $0.01 to $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.53% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.49% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 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 11/05/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.75% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 2.02% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.60% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 13 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 Mortgage - 10 Year Fixed	6.375%	0.0	6.375%	10 years
Details Interest rates as of October 30, 2026; Rate/APR assume 20% down, FICO 740 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.50% → 6.38% ▼ 0.13 pts · high 6.50% / low 6.38% Oct 26, 20266.38%▼ from 6.50% Oct 20, 20266.50%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Residential Fixed Mortgage - 15 Year Fixed	6.375%	0.0	6.572%	15 years
Details Interest rates as of October 30, 2026; Rate/APR assume 20% down, FICO 740 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.70% → 6.57% ▼ 0.13 pts · high 6.70% / low 6.57% Oct 26, 20266.57%▼ from 6.70% Oct 20, 20266.70%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
10/1 ARM 2-6 Caps	6.25%	0.0	6.698%
Details Interest rate and payment fixed for first 10 years, then adjusts annually; caps 2% per adjustment and 6% lifetime; Margin 2.750%; Payment per $1,000: $6.16 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 6.70% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
7/1 ARM 2-6 Caps	6.00%	0.0	6.71%
Details Interest rate and payment fixed for first 7 years, then adjusts annually; caps 2% per adjustment and 6% lifetime; Margin 2.750%; Payment per $1,000: $6.00 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 6.71% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
5/1 ARM 2-6 Caps	6.00%	0.0	6.855%
Details Interest rate and payment fixed for first 5 years, then adjusts annually; caps 2% per adjustment and 6% lifetime; Margin 2.750%; Payment per $1,000: $6.00 Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 6.86% APR · checked 2 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Residential Fixed Mortgage - 20 Year Fixed	6.75%	0.0	6.911%	20 years
Details Interest rates as of October 30, 2026; Rate/APR assume 20% down, FICO 740 Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 7.04% → 6.91% ▼ 0.13 pts · high 7.04% / low 6.91% Oct 26, 20266.91%▼ from 7.04% Oct 20, 20267.04%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Residential Fixed Mortgage - 30 Year Fixed	6.99%	0.0	7.116%	30 years
Details Interest rates as of October 30, 2026; Rate/APR assume 20% down, FICO 740 Last Updated 11/05/2026 Rate History 2 changes since Oct 20, 2026 · 7.25% → 7.12% ▼ 0.14 pts · high 7.25% / low 7.12% Oct 31, 20267.12%▼ from 7.13% Oct 26, 20267.13%▼ from 7.25% Oct 20, 20267.25%first recorded Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Land Loans - 1/1 ARM 2% Annual and 6% Lifetime Caps	6.00%	1.0	8.465%
Details Maximum LTV 75%; interest rate and payment fixed for first year, then adjusts annually; caps 2% per adjustment and 6% lifetime; Margin 4.000%; Payment per $1,000: $11.10 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 8.50% → 8.47% ▼ 0.03 pts · high 8.50% / low 8.47% Oct 31, 20268.47%▼ from 8.47% Oct 26, 20268.47%▼ from 8.50% Oct 14, 20268.50%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
Details Fixed Rate Home Equity Loan; Minimum loan amount $10,000; Maximum Total Loan to Value 80% Last Updated 11/05/2026 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: Prime rate minus .50% for the life of the loan; Maximum APR (rate cap) 18%; current Prime Rate 7.000% minus .50% = 6.500%; rate can vary monthly Last Updated 11/05/2026 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
Details Fixed Rate Home Equity Loan; Minimum loan amount $10,000; Maximum Total Loan to Value 80% Last Updated 11/05/2026 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	6.75%	-	6.75%	15 years
Details Fixed Rate Home Equity Loan; Minimum loan amount $10,000; Maximum Total Loan to Value 80% Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50% Oct 20, 20266.75%▲ from 6.63% 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	7.125%	-	7.125%	20 years
Details Fixed Rate Home Equity Loan; Minimum loan amount $10,000; Maximum Total Loan to Value 80% Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 7.13% / low 6.88% Oct 20, 20267.13%▲ from 7.00% 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
Details New Auto Loans; Down Payment: 10% Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 8.50% APR · checked 14 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
Details New Auto Loans; Down Payment: 10% Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 9.00% APR · checked 14 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
Details New Auto Loans; Down Payment: 20% Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 9.50% APR · checked 14 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
Details Used auto loan; vehicle 4-7 years old; 20% down Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 10.50% APR · checked 13 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
Details Used auto loan; vehicle 1-3 years old; 20% down Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 11.00% APR · checked 13 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	18.00%	24 Months
Details Loan minimum: $2,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 18.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Personal Loans	18.00%	36 Months
Details Loan minimum: $3,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 18.00% APR · checked 6 times Institution Ratings 4.9 Star Rating A Health Grade ◈ Texas Ratio: 7.16%
Personal Loans	18.00%	48 Months
Details Loan minimum: $5,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 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	Term	View More
IORETA	0.30%	-	0.30%
Min Deposit $25 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 13 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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Bank Name Northwest Community Bank

Website https://www.nwcommunitybank.com

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

Bank Holding Company CONNECTICUT MUTUAL HOLDING CO

FDIC Certificate # 18229

Regulator FDIC

Established July 15, 1875

FDIC Insurance Date July 1, 1960

Domestic Offices 15

Total Branches 15

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.9 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.16%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.5337%

Return on Equity (ROE)

7.7200%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Northwest Community Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       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.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Northwest Community Bank

Frequently Asked Questions About Northwest Community Bank

Does Northwest Community Bank offer CDs?

Yes. Northwest Community Bank current CD rates include its 21-Month Time Deposit & IRA CD at 4.20% APY, its 15-Month Time Deposit & IRA CD at 4.15% APY and its 18-Month Time Deposit & IRA CD at 4.15% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Northwest Community Bank FDIC insured?

Yes. Northwest Community Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Northwest Community Bank?

The highest Northwest Community Bank CD rate is its 21-Month Time Deposit & IRA CD at 4.20% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Northwest Community Bank offer?

Northwest Community Bank CD rates are 4.00% APY for a 5 month CD, 4.10% APY for an 11 month CD, 2.00% APY for a 12 month CD, 4.15% APY for a 15 month CD, 4.15% APY for an 18 month CD, 4.20% APY for a 21 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 3 year CD, 3.75% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Northwest Community Bank for its full lineup.

What is the highest savings rate at Northwest Community Bank?

The highest Northwest Community Bank savings rate is its STUDENT SAVINGS CLUB ACCOUNT at 2.53% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Northwest Community Bank?

The highest Northwest Community Bank money market rate is its TOTAL BUSINESS MONEY MARKET at 2.02% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Northwest Community Bank?

The highest Northwest Community Bank checking rate is its BUSINESS CHECKING NOW at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Northwest Community Bank?

The lowest Northwest Community Bank 30 year fixed mortgage rate is its Residential Fixed Mortgage - 30 Year Fixed at 6.99%, verified by MonitorBankRates as of November 5, 2026. Northwest Community Bank mortgage rates are 6.99% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.375% for a 15 year mortgage, 6.375% for a 10 year mortgage, 6.00% for a 1/1 ARM, 6.00% for a 5/1 ARM, 6.00% for a 7/1 ARM and 6.25% for a 10/1 ARM.

What is the lowest auto loan rate at Northwest Community Bank?

The lowest Northwest Community Bank auto loan rate is its New Auto - 36 Months - 10% Down at 8.50%, verified by MonitorBankRates as of November 5, 2026. Northwest Community Bank auto loan rates are 8.50% for a 36 month auto loan, 9.00% for a 48 month auto loan and 9.50% for a 60 month auto loan.

What is the lowest personal loan rate at Northwest Community Bank?

The lowest Northwest Community Bank personal loan rate is its Personal Loans at 18.00%, verified by MonitorBankRates as of November 5, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Northwest Community Bank rates compare?

Northwest Community Bank's savings rates are 35% lower than the MonitorBankRates national average, and it has an A health rating. Northwest Community Bank's top rates are its 21-Month Time Deposit & IRA CD at 4.20% APY, its STUDENT SAVINGS CLUB ACCOUNT at 2.53% APY, its TOTAL BUSINESS MONEY MARKET at 2.02% APY, its BUSINESS CHECKING NOW at 0.05% APY, its 7/1 ARM 2-6 Caps at 6.00% and its Personal Loans at 18.00% APR, verified by MonitorBankRates on November 5, 2026.

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 November 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

Financials

Northwest Community Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Northwest Community Bank

Does Northwest Community Bank offer CDs?

Are CDs from Northwest Community Bank FDIC insured?

What is the highest CD rate at Northwest Community Bank?

What CD terms does Northwest Community Bank offer?

What is the highest savings rate at Northwest Community Bank?

What is the highest money market rate at Northwest Community Bank?

What is the highest checking rate at Northwest Community Bank?

What is the lowest 30 year fixed mortgage rate at Northwest Community Bank?

What is the lowest auto loan rate at Northwest Community Bank?

What is the lowest personal loan rate at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Northwest Community Bank rates compare?

Current Northwest Community Bank Rates

Compare to Other Banks