What are the current interest rates at Northwest Federal Credit Union?

Current rates for Northwest Federal Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 3.15%, 24-Month CD: 3.15%, 60-Month CD: 3.15%, Savings: 1.50%, MMA: 1.39%

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Northwest Federal Credit Union

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Northwest Federal Credit Union Rates & Review November 2026

Q: What CD terms does Northwest Federal Credit Union offer?

Northwest Federal Credit Union CD rates are 3.50% APY for a 10 month CD, 3.75% APY for a 12 month CD, 4.50% APY for a 13 month CD, 4.50% APY for a 15 month CD, 3.15% APY for an 18 month CD, 3.15% APY for a 2 year CD, 4.15% APY for a 30 month CD and 3.15% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Northwest Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Northwest Federal Credit Union's 13-Month CD rates are at 4.50%, 15-Month CD rates are at 4.50%, 30-Month CD rates are at 4.15%, Regular CD - 1 year rates are at 3.75%, Regular CD - 10 month rates are at 3.50%. Northwest Federal Credit Union's savings rates are at 1.50%. Northwest Federal Credit Union's money market rates are at 1.39%. Northwest Federal Credit Union's checking rates are as high as 0.07%. Northwest Federal Credit Union's Auto Loan Rates are as low as 5.19%. Northwest Federal Credit Union's CD rates are 10% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Northwest Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.12%. Rates last updated and verified on 10/28/2026.

Northwest Federal Credit Union 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 Federal Credit Union? Share your experience about Northwest Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Northwest Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.12%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Northwest Federal Credit Union
Herndon Office

200 Spring St
Herndon, VA 20170

https://www.nwfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Northwest Federal Credit Union CD Rates

Product	Rate	APY	Term
13-Month Certificate	-	4.50%	13 months
Min Deposit $1,000 Details Promotional Savings Momentum certificate; Available for Regular and IRA Certificates; Certificate funds must be new-to-Northwest; Rate current as of 9/28/26 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
15-Month Certificate	-	4.50%	15 months
Min Deposit $1,000 Details Promotional Summer Sizzler certificate; Available for Regular and IRA Certificates; Certificate funds must be new-to-Northwest; Rate current as of 7/13/26 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
30-Month Certificate	-	4.15%	30 months
Min Deposit $1,000 Details Promotional Make Your Move certificate; Available for Regular and IRA Certificates; Certificate funds must be new-to-Northwest; Rate current as of 6/15/26 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 4.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1 Year IRA Certificate	3.93%	4.00%	1 year
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1 Year IRA Certificate	3.93%	4.00%	1 year
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
1 Year IRA Certificate	3.83%	3.90%	1 year
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
10 Month IRA Certificate	3.69%	3.75%	10 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
10 Month IRA Certificate	3.69%	3.75%	10 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
11 Month IRA Certificate	3.69%	3.75%	11 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
11 Month IRA Certificate	3.69%	3.75%	11 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 1 year	3.69%	3.75%	1 year
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 1 year	3.69%	3.75%	1 year
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
10 Month IRA Certificate	3.59%	3.65%	10 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
11 Month IRA Certificate	3.59%	3.65%	11 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 1 year	3.59%	3.65%	1 year
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
18 Month IRA Certificate	3.45%	3.50%	18 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
18 Month IRA Certificate	3.45%	3.50%	18 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
2 Year IRA Certificate	3.45%	3.50%	2 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
2 Year IRA Certificate	3.45%	3.50%	2 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
3 Year IRA Certificate	3.45%	3.50%	3 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
3 Year IRA Certificate	3.45%	3.50%	3 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
4 Year IRA Certificate	3.45%	3.50%	4 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
4 Year IRA Certificate	3.45%	3.50%	4 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 Year IRA Certificate	3.45%	3.50%	5 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 Year IRA Certificate	3.45%	3.50%	5 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 10 month	3.45%	3.50%	10 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 10 month	3.45%	3.50%	10 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 11 month	3.45%	3.50%	11 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 11 month	3.45%	3.50%	11 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
18 Month IRA Certificate	3.35%	3.40%	18 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
2 Year IRA Certificate	3.35%	3.40%	2 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
3 Year IRA Certificate	3.35%	3.40%	3 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
4 Year IRA Certificate	3.35%	3.40%	4 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
5 Year IRA Certificate	3.35%	3.40%	5 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 10 month	3.35%	3.40%	10 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 11 month	3.35%	3.40%	11 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 18 month	3.20%	3.25%	18 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 18 month	3.20%	3.25%	18 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 2 years	3.20%	3.25%	2 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 2 years	3.20%	3.25%	2 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 3 years	3.20%	3.25%	3 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 3 years	3.20%	3.25%	3 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 4 years	3.20%	3.25%	4 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 4 years	3.20%	3.25%	4 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 5 years	3.20%	3.25%	5 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 5 years	3.20%	3.25%	5 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 18 month	3.11%	3.15%	18 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 2 years	3.11%	3.15%	2 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 3 years	3.11%	3.15%	3 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 4 years	3.11%	3.15%	4 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 5 years	3.11%	3.15%	5 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
6 Month IRA Certificate	0.11%	0.11%	6 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
6 Month IRA Certificate	0.11%	0.11%	6 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
6 Month IRA Certificate	0.11%	0.11%	6 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 6 month	0.11%	0.11%	6 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.11% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 6 month	0.11%	0.11%	6 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.11% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 6 month	0.11%	0.11%	6 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.11% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
3 Month IRA Certificate	0.05%	0.05%	3 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
3 Month IRA Certificate	0.05%	0.05%	3 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
3 Month IRA Certificate	0.05%	0.05%	3 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 3 month	0.05%	0.05%	3 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 3 month	0.05%	0.05%	3 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 3 month	0.05%	0.05%	3 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Northwest Federal Credit Union Savings Rates

Product	Rate	APY
Youth Club Account	-	2.28%
Min Deposit $1 Min Balance $1 Details Balance: Up to $1,500.00; Balances over $1,500 earn 0.25% Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.28% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Rewards Savings	-	1.50%
Min Balance $0 Details Qualifications Required; Balance: Up to $50,000.00; Only members with a Dividend Rewards or Debit Rewards checking account may open; Amounts over $50,000 earn 0.50%; base rate 0.05% if qualifications are not met Last Updated 10/28/2026 Rate History 2 changes since Sep 14, 2026 · 1.50% → 1.50% ▼ 0.00 pts · high 1.50% / low 0.05% Oct 12, 20261.50%▲ from 0.05% Sep 25, 20260.05%▼ from 1.50% Sep 14, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Savings IRA (Traditional, Roth, and Education)	-	0.20%
Min Balance $0 Details Balance: No minimum Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Savings Account	-	0.05%
Min Deposit $1 Min Balance $1 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Savings Club	-	0.05%
Min Balance $0 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Northwest Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	-	1.39%
Min Balance $1,000,000 Details Balance: $1,000,000 or more Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.39% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market	-	1.34%
Min Balance $250,000 Details Balance: $250,000-$999,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.34% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market	-	0.86%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.86% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market	-	0.67%
Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.67% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market	-	0.65%
Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market	-	0.57%
Min Balance $0 Details Balance: Less than $2,500 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.57% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Money Market	-	0.57%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.57% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Northwest Federal Credit Union Checking Rates

Product	Rate	APY
Elite Checking	-	0.07%
Details Qualifications Required: $1,000 deposit per month to Elite Checking; With $1,000 per month deposit to Elite Checking; Minimum average daily balance of $5,000 to avoid $10 monthly maintenance fee; Up to $10 per month out-of-network ATM fee refunds Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Elite Checking	-	0.02%
Details Standard dividend; Minimum average daily balance of $5,000 to avoid $10 monthly maintenance fee; Up to $10 per month out-of-network ATM fee refunds Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Northwest Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Special Auto Loan - New 2026-2027	-	-	5.19%	up to 36 months
Details As Low As; Max LTV: 80%; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 5.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2024	-	-	5.19%	up to 36 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2025-2027	-	-	5.19%	up to 36 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 5.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2025	-	-	5.29%	up to 36 months
Details As Low As; Model Year: 2025; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2023	-	-	5.29%	up to 36 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2024	-	-	5.39%	up to 36 months
Details As Low As; Model Year: 2024; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.39% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2023	-	-	5.49%	up to 36 months
Details As Low As; Model Year: 2023; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2026-2027	-	-	5.49%	up to 36 months
Details As Low As; Model Year: 2026-2027; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2022	-	-	5.49%	up to 36 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2022	-	-	5.69%	up to 36 months
Details As Low As; Model Year: 2022; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 5.69% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - New 2026-2027	-	-	5.69%	37-63 months
Details As Low As; Max LTV: 80%; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2024	-	-	5.69%	37-63 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.69% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2025-2027	-	-	5.69%	37-63 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2023	-	-	5.79%	37-63 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2024	-	-	5.89%	37-63 months
Details As Low As; Model Year: 2024; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 5.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2025	-	-	5.89%	37-63 months
Details As Low As; Model Year: 2025; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 5.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2025-2027	-	-	5.89%	64-75 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 5.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2023	-	-	5.99%	37-63 months
Details As Low As; Model Year: 2023; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2026-2027	-	-	5.99%	37-63 months
Details As Low As; Model Year: 2026-2027; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - New 2026-2027	-	-	5.99%	64-75 months
Details As Low As; Max LTV: 80%; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2022	-	-	5.99%	37-63 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2024	-	-	5.99%	64-75 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2025	-	-	6.09%	64-75 months
Details As Low As; Model Year: 2025; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.09% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2022	-	-	6.19%	37-63 months
Details As Low As; Model Year: 2022; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2024	-	-	6.19%	64-75 months
Details As Low As; Model Year: 2024; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2023	-	-	6.19%	64-72 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2026-2027	-	-	6.29%	64-75 months
Details As Low As; Model Year: 2026-2027; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2021	-	-	6.29%	up to 36 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2023	-	-	6.39%	64-72 months
Details As Low As; Model Year: 2023; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - New 2026-2027	-	-	6.39%	76-84 months
Details As Low As; Max LTV: 80%; Minimum Loan Amount: $20,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 6.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2022	-	-	6.39%	64-72 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2020-2021	-	-	6.49%	up to 36 months
Details As Low As; Model Year: 2020-2021; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2022	-	-	6.59%	64-72 months
Details As Low As; Model Year: 2022; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.59% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2024	-	-	6.64%	76-84 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $20,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2025-2027	-	-	6.64%	76-84 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $20,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 6.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2021	-	-	6.79%	37-54 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 6.79% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2024	-	-	6.89%	76-84 months
Details As Low As; Model Year: 2024; Minimum Loan Amount: $20,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2025	-	-	6.89%	76-84 months
Details As Low As; Model Year: 2025; Minimum Loan Amount: $20,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2026-2027	-	-	6.89%	76-84 months
Details As Low As; Model Year: 2026-2027; Minimum Loan Amount: $20,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2020-2021	-	-	6.99%	37-54 months
Details As Low As; Model Year: 2020-2021; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2021	-	-	7.29%	55-66 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 7.29% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2017-2019	-	-	7.39%	up to 36 months
Details As Low As; Model Year: 2017-2019; Minimum Loan Amount: $5,000 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 7.39% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2020-2021	-	-	7.49%	55-66 months
Details As Low As; Model Year: 2020-2021; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2026-2027	-	-	7.49%	85-87 months
Details As Low As; Model Year: 2026-2027; Minimum Loan Amount: $40,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2021	-	-	7.59%	67-72 months
Details As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 7.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2020-2021	-	-	7.79%	67-72 months
Details As Low As; Model Year: 2020-2021; Minimum Loan Amount: $20,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 7.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2017-2019	-	-	7.89%	37-54 months
Details As Low As; Model Year: 2017-2019; Minimum Loan Amount: $8,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 7.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2020-2021	-	-	8.09%	73-78 months
Details As Low As; Model Year: 2020-2021; Minimum Loan Amount: $20,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 8.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2017-2019	-	-	8.39%	55-66 months
Details As Low As; Model Year: 2017-2019; Minimum Loan Amount: $10,000 Last Updated 10/28/2026 Rate History No change since Oct 4, 2026 · 8.39% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2020-2021	-	-	8.39%	79-84 months
Details As Low As; Model Year: 2020-2021; Minimum Loan Amount: $20,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 8.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan - 2026-2027	-	-	10.19%	88-96 months
Details As Low As; Model Year: 2026-2027; Minimum Loan Amount: $40,000 Last Updated 10/28/2026 Rate History No change since Oct 28, 2026 · 10.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

Northwest Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Home Loans	-	-	6.947%
Details As Low As Last Updated 10/28/2026 Rate History 3 changes since Sep 14, 2026 · 6.55% → 6.95% ▲ 0.40 pts · high 7.07% / low 6.55% Oct 23, 20266.95%▼ from 7.07% Oct 2, 20267.07%▲ from 6.95% Sep 25, 20266.95%▲ from 6.55% Sep 14, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%

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 Federal Credit Union’s Texas Ratio stayed near 1.89% in Q3 2023 to 2.12% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$4.6B	2.12%	5.0	A+
March 31, 2026	$4.5B	1.98%	5.0	A+
December 31, 2025	$4.6B	2.30%	5.0	A+
September 30, 2025	$4.4B	2.13%	5.0	A+
June 30, 2025	$4.2B	2.31%	5.0	A+
March 31, 2025	$4.2B	2.03%	5.0	A+
December 31, 2024	$4.1B	2.71%	5.0	A+
September 30, 2024	$4.8B	2.37%	5.0	A+
June 30, 2024	$4.6B	2.32%	5.0	A+
March 31, 2024	$4.6B	2.18%	5.0	A+
December 31, 2023	$4.6B	2.11%	5.0	A+
September 30, 2023	$4.6B	1.89%	5.0	A+

Source: NCUA 5300 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 Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Northwest Federal Credit Union 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 Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Northwest Federal Credit Union

Website https://www.nwfcu.org

Address 200 Spring St, Herndon, VA 20170

Phone 703-709-8900

Fax 703-709-9484

President Gerrianne Burks

CEO Jeff Bentley

Full-Time Employees 563

Part-Time Employees 5

Branch Locations 13

ATM Locations 12

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.12%

Return on Assets (ROA)

0.1832%

Return on Equity (ROE)

1.5466%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

4,564,468,351

Total Amount of Shares and Deposits

3,497,835,831

Total Shares and Deposits < 1 Year

3,272,646,270

Total Shares and Deposits 1 3 Years

178,006,290

Total Shares and Deposits > 3 Years

47,183,271

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

638,492,462

Total Uninsured Shares and Deposits > $250K (F+J)

638,492,462

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,859,343,369

Total Interest Expense (Sum of items 6 8)

36,673,484

Share Certificates

14,619

Number of Accounts for Share Drafts

93,084

IRA KEOGH Accounts

7,781

Number of Accounts for Regular Shares

281,562

Non Member Deposits

Money Market Shares

18,599

Net Income (unless the amount is already included in Undivided Earnings)

8,359,847

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

14,563,726

Total Liabilities

4,112,199,266

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Northwest Federal Credit Union 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.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Northwest Federal Credit Union

Does Northwest Federal Credit Union offer CDs?

Yes. Northwest Federal Credit Union current CD rates include its 13-Month CD at 4.50% APY, its 15-Month CD at 4.50% APY and its 30-Month CD at 4.15% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Northwest Federal Credit Union NCUA insured?

Yes. Northwest Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Northwest Federal Credit Union?

The highest Northwest Federal Credit Union CD rate is its 13-Month CD at 4.50% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Northwest Federal Credit Union offer?

Northwest Federal Credit Union CD rates are 3.50% APY for a 10 month CD, 3.75% APY for a 12 month CD, 4.50% APY for a 13 month CD, 4.50% APY for a 15 month CD, 3.15% APY for an 18 month CD, 3.15% APY for a 2 year CD, 4.15% APY for a 30 month CD and 3.15% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Northwest Federal Credit Union for its full lineup.

What is the highest savings rate at Northwest Federal Credit Union?

The highest Northwest Federal Credit Union savings rate is its Rewards Savings at 1.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Northwest Federal Credit Union?

The highest Northwest Federal Credit Union money market rate is its Money Market at 1.39% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Northwest Federal Credit Union?

The highest Northwest Federal Credit Union checking rate is its Elite Checking at 0.07% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Northwest Federal Credit Union?

The lowest Northwest Federal Credit Union auto loan rate is its Special Auto Loan - New 2026-2027 at 5.19% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Northwest Federal Credit Union operate?

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

Is a member application needed to join Northwest Federal Credit Union?

Yes, to access services at Northwest Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Northwest Federal Credit Union 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 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Northwest Federal Credit Union offer online and mobile banking?

Most modern institutions like Northwest Federal Credit Union 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.nwfcu.org.

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. Credit unions require membership, so you may need to join first. 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 in the credit union, 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 Federal Credit Union rates compare?

Northwest Federal Credit Union's CD rates are 10% lower than the MonitorBankRates national average, and it has an A+ health rating. Northwest Federal Credit Union's top rates are its 13-Month CD at 4.50% APY, its Rewards Savings at 1.50% APY, its Money Market at 1.39% APY, its Elite Checking at 0.07% APY and its Special Auto Loan - New 2026-2027 at 5.19% APR, verified by MonitorBankRates on October 28, 2026.

Current Northwest Federal Credit Union Rates

12-Month CD3.40%
18-Month CD3.15%
24-Month CD3.15%
60-Month CD3.15%
Savings1.50%
MMA1.39%

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

Compare to Other Credit Unions

Northwest Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Northwest Federal Credit Union Texas Ratio

Northwest Federal Credit Union Health Trend

Northwest Federal Credit Union CD Rates

Northwest Federal Credit Union Savings Rates

Northwest Federal Credit Union Money Market Rates

Northwest Federal Credit Union Checking Rates

Northwest Federal Credit Union Auto Loan Rates

Northwest Federal Credit Union Other Rates

Financial Health History

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Frequently Asked Questions About Northwest Federal Credit Union

Does Northwest Federal Credit Union offer CDs?

Are CDs from Northwest Federal Credit Union NCUA insured?

What is the highest CD rate at Northwest Federal Credit Union?

What CD terms does Northwest Federal Credit Union offer?

What is the highest savings rate at Northwest Federal Credit Union?

What is the highest money market rate at Northwest Federal Credit Union?

What is the highest checking rate at Northwest Federal Credit Union?

What is the lowest auto loan rate at Northwest Federal Credit Union?

How many branches does Northwest Federal Credit Union operate?

Is a member application needed to join Northwest Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Northwest Federal Credit Union 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 Federal Credit Union rates compare?

Current Northwest Federal Credit Union Rates

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