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Pacific NW Federal Credit Union

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Pacific NW Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Pacific NW Federal Credit Union?

Current rates for Pacific NW Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 1.95%, 24-Month CD: 2.20%, 60-Month CD: 2.40%, Savings: 0.10%, MMA: 0.75%

Q: What CD terms does Pacific NW Federal Credit Union offer?

Pacific NW Federal Credit Union CD rates are 3.50% APY for a 6 month CD, 4.00% APY for a 7 month CD, 3.50% APY for a 12 month CD, 1.95% APY for an 18 month CD, 2.20% APY for a 2 year CD, 2.35% APY for a 4 year CD and 2.40% 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 Pacific NW Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

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

Pacific NW Federal Credit Union's 7-Month CD rates are at 4.00%, 12 Month CD rates are at 3.50%, 6 Month CD rates are at 3.50%, 5 Year CD rates are at 2.40%, 4 Year CD rates are at 2.35%. Pacific NW Federal Credit Union's savings rates are at 0.10%. Pacific NW Federal Credit Union's money market rates are at 0.75%. Pacific NW Federal Credit Union's checking rates are as high as 0.05%. Pacific NW Federal Credit Union's 10 Year Fixed Rate rates are at 6.25%, 15 Year Fixed Rate rates are at 6.50%, 20 Year Fixed Rate rates are at 6.75%, 30 Year Fixed Rate rates are at 7.12%. Pacific NW Federal Credit Union's Personal Loan Rates are as low as 12.49%. Pacific NW Federal Credit Union's Credit Card Rates are at 12.24%. Pacific NW Federal Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Pacific NW Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.27%. Rates last updated and verified on 10/28/2026.

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

2.27%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Pacific NW Federal Credit Union
Erin Way Branch

12005 NE Erin Way
Portland, OR 97220

https://www.pnwfcu.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.

Pacific NW Federal Credit Union CD Rates

Product	Rate	APY	Term
7 Month Special Certificate	3.93%	4.00%	7 Month
Min Deposit $1,000 Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026; New money only, not already on deposit with PNWFCU Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
7 Month Special Certificate	3.93%	4.00%	7 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026; New money only, not already on deposit with PNWFCU Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
7 Month Special Certificate	3.93%	4.00%	7 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026; New money only, not already on deposit with PNWFCU Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
7 Month Special Certificate	3.93%	4.00%	7 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026; New money only, not already on deposit with PNWFCU Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
7-Month Certificate	-	4.00%	7 months
Min Deposit $1,000 Details Limited-Time Certificate Special; minimum opening deposit $1,000 of external funds (new money only); maximum deposit $250,000 per member; certificate is non-renewable; rate as of 9/1/2026 and subject to change or discontinue without notice Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
12 Month Certificate	3.44%	3.50%	12 Month
Min Deposit $1,000 Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026; Youth Certificates available to members 18 and under with $100 minimum Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
12 Month Certificate	3.44%	3.50%	12 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026; Youth Certificates available to members 18 and under with $100 minimum Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
12 Month Certificate	3.44%	3.50%	12 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026; Youth Certificates available to members 18 and under with $100 minimum Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
12 Month Certificate	3.44%	3.50%	12 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026; Youth Certificates available to members 18 and under with $100 minimum Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
6 Month Certificate	3.44%	3.50%	6 Month
Min Deposit $1,000 Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026; Youth Certificates available to members 18 and under with $100 minimum Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
6 Month Certificate	3.44%	3.50%	6 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026; Youth Certificates available to members 18 and under with $100 minimum Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
6 Month Certificate	3.44%	3.50%	6 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026; Youth Certificates available to members 18 and under with $100 minimum Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
6 Month Certificate	3.44%	3.50%	6 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026; Youth Certificates available to members 18 and under with $100 minimum Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
5 Year Certificate	2.38%	2.40%	5 Year
Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
5 Year Certificate	2.38%	2.40%	5 Year
Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
5 Year Certificate	2.38%	2.40%	5 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
5 Year Certificate	2.38%	2.40%	5 Year
Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
4 Year Certificate	2.33%	2.35%	4 Year
Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
4 Year Certificate	2.33%	2.35%	4 Year
Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
4 Year Certificate	2.33%	2.35%	4 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
4 Year Certificate	2.33%	2.35%	4 Year
Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
3 Year Certificate	2.28%	2.30%	3 Year
Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
3 Year Certificate	2.28%	2.30%	3 Year
Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
3 Year Certificate	2.28%	2.30%	3 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
3 Year Certificate	2.28%	2.30%	3 Year
Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
2 Year Certificate	2.18%	2.20%	2 Year
Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
2 Year Certificate	2.18%	2.20%	2 Year
Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
2 Year Certificate	2.18%	2.20%	2 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
2 Year Certificate	2.18%	2.20%	2 Year
Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 2.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
18 Month Certificate	1.94%	1.95%	18 Month
Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
18 Month Certificate	1.94%	1.95%	18 Month
Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
18 Month Certificate	1.94%	1.95%	18 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
18 Month Certificate	1.94%	1.95%	18 Month
Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 1.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Pacific NW Federal Credit Union Savings Rates

Product	Rate	APY
Edge Savings (ages 13-17)	0.10%	0.10%
Min Deposit $5 Details Rates Effective: 5/1/2023 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
IRA Savings	0.10%	0.10%
Min Deposit $5 Details Rates Effective: 5/1/2023 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Kids Savings (ages up to 12)	0.10%	0.10%
Min Deposit $5 Details Rates Effective: 5/1/2023 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Savings	0.10%	0.10%
Min Deposit $5 Details Rates Effective: 5/1/2023 Last Updated 10/28/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
SEP Savings	0.10%	0.10%
Min Deposit $5 Details Rates Effective: 5/1/2023 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Liberty Savings (no SSN or ITIN)	0.00%	0.00%
Min Deposit $5 Details Rates Effective: 5/1/2023 Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Pacific NW Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.75%	0.75%
Min Balance $50,000 Details Balance: $50,000 & above; Rates Effective: 11/1/2023 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market Account	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999; Rates Effective: 11/1/2023 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market Account	0.25%	0.25%
Min Balance $2,000 Details Balance: $2,000 - $9,999; Rates Effective: 11/1/2023 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Money Market Account	0.25%	0.25%
Min Balance $10,000 Details Balance: $10,000 - $24,999; Rates Effective: 11/1/2023 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Pacific NW Federal Credit Union Checking Rates

Product	Rate	APY
Checking Plus	0.05%	0.05%
Min Deposit $25 Min Balance $500 Details Rates Effective: 1/1/2023 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
eChecking Plus	0.05%	0.05%
Min Deposit $25 Min Balance $500 Details Rates Effective: 1/1/2023 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Basic Checking	0.00%	0.00%
Min Deposit $25 Details Rates Effective: 1/1/2023 Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
eChecking	0.00%	0.00%
Min Deposit $25 Details Rates Effective: 1/1/2023 Last Updated 10/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Pacific NW Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
10 Year Fixed Rate	6.25%	0.500	6.547%
Details Payment: $4,637; Rates effective 10/26/2026; based on $412,500 loan amount; excellent credit (780+) and 25% down/equity assumed; principal and interest Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 6.58% → 6.55% ▼ 0.04 pts · high 6.58% / low 6.55% Oct 28, 20266.55%▼ from 6.58% Oct 23, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
15 Year Fixed Rate	6.50%	0.500	6.648%
Details Payment: $3,598; Rates effective 10/26/2026; based on $412,500 loan amount; excellent credit (780+) and 25% down/equity assumed; principal and interest Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
20 Year Fixed Rate	6.75%	0.500	6.854%
Details Payment: $3,140; Rates effective 10/26/2026; based on $412,500 loan amount; excellent credit (780+) and 25% down/equity assumed; principal and interest Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 6.87% → 6.85% ▼ 0.02 pts · high 6.87% / low 6.85% Oct 28, 20266.85%▼ from 6.87% Oct 23, 20266.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
30 Year Fixed Rate	7.125%	0.500	7.206%
Details Payment: $2,782; Rates effective 10/26/2026; based on $412,500 loan amount; excellent credit (780+) and 25% down/equity assumed; principal and interest Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 7.47% → 7.21% ▼ 0.26 pts · high 7.47% / low 7.21% Oct 28, 20267.21%▼ from 7.47% Oct 23, 20267.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Pacific NW Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.34%
Details As Low As; Auto loans as low as 5.34% APR; rate depends on repayment period, collateral year, available rate discounts and credit qualifications Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.34% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New Auto	-	-	5.34%	Up to 60 months
Details APR range: 5.34% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $381.40 at 5.34% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.34% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New Auto	-	-	5.44%	61 - 72 months
Details APR range: 5.44% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $326.95 at 5.44% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.44% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used Auto	-	-	5.49%	Up to 60 months
Details APR range: 5.49% - 18.00%; Collateral year: 2017-2022; Estimated payment $382.82 at 5.49% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used Auto	-	-	5.59%	61 - 72 months
Details APR range: 5.59% - 18.00%; Collateral year: 2017-2022; Estimated payment $328.37 at 5.59% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.59% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New Auto	-	-	5.64%	73 - 84 months
Details APR range: 5.64% - 18.00%; Collateral year: 2023 & Newer; Estimated payment $289.42 at 5.64% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.64% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used Auto	-	-	5.79%	73 - 84 months
Details APR range: 5.79% - 18.00%; Collateral year: 2017-2022; Estimated payment $290.87 at 5.79% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 5.79% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Older Auto	-	-	8.90%	Up to 60 months
Details APR range: 8.90% - 18.00%; Collateral year: 2016 & Older; Estimated payment $415.74 at 8.90% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Pacific NW Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New RV Loan	-	8.49%	Up to 240 months
Details APR range: 8.49% - 18.00%; Estimated payment $411.64 at 8.49% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New Boat Loan	-	8.70%	Up to 240 months
Details APR range: 8.70% - 18.00%; Estimated payment $413.71 at 8.70% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.70% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used Motorcycle Loan	-	8.75%	Up to 84 months
Details APR range: 8.75% - 18.00%; Estimated payment $421.59 at 9.50% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New Motorcycle Loan	-	8.95%	Up to 84 months
Details APR range: 8.95% - 18.00%; Estimated payment $423.59 at 9.70% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 8.95% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used RV Loan	-	9.10%	Up to 240 months
Details APR range: 9.10% - 18.00%; Estimated payment $417.67 at 9.10% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 9.10% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used Boat Loan	-	9.35%	Up to 240 months
Details APR range: 9.35% - 18.00%; Estimated payment $420.15 at 9.35% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 9.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Older RV Loan	-	9.85%	Up to 120 months
Details APR range: 9.85% - 18.00%; Estimated payment $425.15 at 9.85% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 9.85% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Older Boat Loan	-	11.35%	Up to 120 months
Details APR range: 11.35% - 18.00%; Estimated payment $440.35 at 11.35% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 11.35% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Older Motorcycle Loan	-	13.20%	Up to 60 months
Details APR range: 13.20% - 18.00%; Estimated payment $467.36 at 13.95% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 13.20% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Pacific NW Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA	-	12.24%
Details APR range: 12.24% - 18.00%; Revolving; Payment: 3% of outstanding balance monthly; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 12.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Pacific NW Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	12.49%	Up to 60 months
Details APR range: 12.49% - 18.00%; Estimated payment $449.85 at 12.49% APR; Rates effective 9/30/2026 Last Updated 10/28/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

Pacific NW Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Construction Loan	7.125%	0.375	7.523%
Details Payment: $2,964; Construction phase only; based on $440,000 loan amount, $550,000 project total including land, 80% loan-to-value; repayment phase interest rate is .50% higher; rates effective 10/26/2026 Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 7.93% → 7.52% ▼ 0.40 pts · high 7.93% / low 7.52% Oct 28, 20267.52%▼ from 7.93% Oct 23, 20267.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Land Loan	10.41%	0.000	10.787%
Details Payment: $2,481; Rates effective 10/26/2026; excellent credit (780+) and 25% down/equity assumed Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 10.87% → 10.79% ▼ 0.08 pts · high 10.87% / low 10.79% Oct 28, 202610.79%▼ from 10.87% Oct 23, 202610.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Manufactured Home Construction Loan	6.875%	0.000	7.641%
Details Payment: $3,272; Based on $498,000 loan amount with $200,000 lot purchase, $325,000 construction, 95% loan-to-value; rates effective 10/26/2026 Last Updated 10/28/2026 Rate History 1 change since Oct 23, 2026 · 7.78% → 7.64% ▼ 0.14 pts · high 7.78% / low 7.64% Oct 28, 20267.64%▼ from 7.78% Oct 23, 20267.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Edge Youth Debit Account	4.89%	-	5.00%
Min Balance $5 Details Qualifications Required; Balance: Up to $1,000.00; Stated high-yield APY for balances up to $1,000; balances of $1,000.01 and higher earn posted account rate; Ages 17 and under; converts to E-Checking at age 18; $50 bonus deposit for new members; Rates effective 10/16/2024 Last Updated 10/28/2026 Rate History No change since Oct 12, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%

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

Pacific NW Federal Credit Union’s Texas Ratio fell from 6.11% in Q3 2023 to 2.27% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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	$317M	2.27%	5.0	A+
March 31, 2026	$318M	2.89%	5.0	A+
December 31, 2025	$313M	3.52%	5.0	A+
September 30, 2025	$315M	3.62%	5.0	A+
June 30, 2025	$312M	3.71%	5.0	A+
March 31, 2025	$307M	3.91%	5.0	A+
December 31, 2024	$307M	5.05%	5.0	A+
September 30, 2024	$301M	4.59%	5.0	A+
June 30, 2024	$302M	5.01%	5.0	A+
March 31, 2024	$314M	5.08%	5.0	A+
December 31, 2023	$313M	5.37%	5.0	A+
September 30, 2023	$319M	6.11%	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 Pacific NW 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 Pacific NW 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 Pacific NW Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Pacific NW Federal Credit Union

Website https://www.pnwfcu.org

Address 12005 NE Erin Way, Portland, OR 97220

Phone 503-256-5858

Fax

President Shara Wokal

CEO Thomas Griffith

Full-Time Employees 63

Part-Time Employees 0

Branch Locations 3

ATM Locations 4

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

2.27%

Return on Assets (ROA)

0.3221%

Return on Equity (ROE)

3.2725%

Non-Performing Loans Ratio (NPL)

0.31%

Total Assets

317,315,765

Total Amount of Shares and Deposits

280,654,504

Total Shares and Deposits < 1 Year

280,207,005

Total Shares and Deposits 1 3 Years

342,357

Total Shares and Deposits > 3 Years

105,142

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

19,102,703

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

19,102,703

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

261,551,801

Total Interest Expense (Sum of items 6 8)

1,250,264

Share Certificates

1,433

Number of Accounts for Share Drafts

16,500

IRA KEOGH Accounts

337

Number of Accounts for Regular Shares

26,346

Money Market Shares

1,024

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)

21,010,892

Total Liabilities

286,088,018

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Pacific NW 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.

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

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Frequently Asked Questions About Pacific NW Federal Credit Union

Does Pacific NW Federal Credit Union offer CDs?

Yes. Pacific NW Federal Credit Union current CD rates include its 7-Month CD at 4.00% APY, its 12 Month CD at 3.50% APY and its 6 Month CD at 3.50% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Pacific NW Federal Credit Union NCUA insured?

Yes. Pacific NW 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 Pacific NW Federal Credit Union?

The highest Pacific NW Federal Credit Union CD rate is its 7 Month Special CD at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Pacific NW Federal Credit Union offer?

Pacific NW Federal Credit Union CD rates are 3.50% APY for a 6 month CD, 4.00% APY for a 7 month CD, 3.50% APY for a 12 month CD, 1.95% APY for an 18 month CD, 2.20% APY for a 2 year CD, 2.35% APY for a 4 year CD and 2.40% 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 Pacific NW Federal Credit Union for its full lineup.

What is the highest savings rate at Pacific NW Federal Credit Union?

The highest Pacific NW Federal Credit Union savings rate is its Edge Savings (ages 13-17) at 0.10% APY, verified by MonitorBankRates as of October 28, 2026.

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

The highest Pacific NW Federal Credit Union money market rate is its Money Market Account at 0.75% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Pacific NW Federal Credit Union?

The highest Pacific NW Federal Credit Union checking rate is its Checking Plus at 0.05% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest 30 year fixed mortgage rate at Pacific NW Federal Credit Union?

The lowest Pacific NW Federal Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Rate at 7.125%, verified by MonitorBankRates as of October 28, 2026. Pacific NW Federal Credit Union mortgage rates are 7.125% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.50% for a 15 year mortgage and 6.25% for a 10 year mortgage.

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

The lowest Pacific NW Federal Credit Union auto loan rate is its Auto Loan at 5.34% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Pacific NW Federal Credit Union?

The lowest Pacific NW Federal Credit Union personal loan rate is its Personal Loan at 12.49% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest credit card APR at Pacific NW Federal Credit Union?

The lowest Pacific NW Federal Credit Union credit card APR is its VISA Credit Card at 12.24% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Pacific NW Federal Credit Union operate?

Pacific NW 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 Pacific NW Federal Credit Union?

Yes, to access services at Pacific NW 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, Pacific NW 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, Pacific NW Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Pacific NW Federal Credit Union offer online and mobile banking?

Most modern institutions like Pacific NW 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.pnwfcu.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 Pacific NW Federal Credit Union rates compare?

Pacific NW Federal Credit Union's CD rates are 7% lower than the MonitorBankRates national average, and it has an A+ health rating. Pacific NW Federal Credit Union's top rates are its 7 Month Special CD at 4.00% APY, its Edge Savings (ages 13-17) at 0.10% APY, its Money Market Account at 0.75% APY, its Checking Plus at 0.05% APY, its 10 Year Fixed Rate at 6.25%, its Personal Loan at 12.49% APR and its VISA Credit Card at 12.24% APR, verified by MonitorBankRates on October 28, 2026.

Current Pacific NW Federal Credit Union Rates

12-Month CD3.50%
18-Month CD1.95%
24-Month CD2.20%
60-Month CD2.40%
Savings0.10%
MMA0.75%

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

Compare to Other Credit Unions

Pacific NW Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Pacific NW Federal Credit Union Texas Ratio

Pacific NW Federal Credit Union Health Trend

Pacific NW Federal Credit Union CD Rates

Pacific NW Federal Credit Union Savings Rates

Pacific NW Federal Credit Union Money Market Rates

Pacific NW Federal Credit Union Checking Rates

Pacific NW Federal Credit Union Mortgage Rates

Pacific NW Federal Credit Union Auto Loan Rates

Pacific NW Federal Credit Union RV, Boat and Powersport Loan Rates

Pacific NW Federal Credit Union Credit Card Rates

Pacific NW Federal Credit Union Personal Loan Rates

Pacific NW Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Pacific NW Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Pacific NW Federal Credit Union

Does Pacific NW Federal Credit Union offer CDs?

Are CDs from Pacific NW Federal Credit Union NCUA insured?

What is the highest CD rate at Pacific NW Federal Credit Union?

What CD terms does Pacific NW Federal Credit Union offer?

What is the highest savings rate at Pacific NW Federal Credit Union?

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

What is the highest checking rate at Pacific NW Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at Pacific NW Federal Credit Union?

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

What is the lowest personal loan rate at Pacific NW Federal Credit Union?

What is the lowest credit card APR at Pacific NW Federal Credit Union?

How many branches does Pacific NW Federal Credit Union operate?

Is a member application needed to join Pacific NW Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Pacific NW 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 Pacific NW Federal Credit Union rates compare?

Current Pacific NW Federal Credit Union Rates

Compare to Other Credit Unions