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Northwest Community Credit Union

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Northwest Community Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Northwest Community Credit Union's top rates as of October 10, 2026 are 3.25% APY on its 5 Month Liquid CD, 2.50% APY on checking, personal loans from 8.74% APR, and credit cards from 8.95% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Northwest Community Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.90%. Rates last updated and verified on 10/10/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.90%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Northwest Community Credit Union
Northwest Community Credit Union

8930 Waukegan Rd
Morton Grove, IL 60053

https://www.nwccu.com

Privately insuredNot NCUA

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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 Community Credit Union CD Rates

Product	Rate	APY	Term	View More
5 Month Liquid CD	-	3.25%	5 Months
Details No penalty for early withdrawal. Cash out anytime. Join now or bring in new money to this high-yield CD with added flexibility. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.90%

Northwest Community Credit Union Checking Rates

Product	Rate	APY	View More
Interest-bearing checking account	-	2.50%
Details Bundled with a low-interest Student Visa Card with 12% APR* Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.90%

Northwest Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.50%
Details As Low As Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.90%

Northwest Community Credit Union Credit Card Rates

Product	Rate	APR
Credit Cards	-	8.95%
Details Rates Subject To Change Without Notice. Rates vary according to credit worthiness and term of loan, subject to change without notice. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.95% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.90%
Student Credit Card	-	12.00%
Details 12.00% fixed rate applies to the Student VISA Credit Card. Applicant's income, credit score and debit ratio will determine credit limit. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 12.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.90%

Northwest Community Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loans	8.74%
Details APR-Annual Percentage Rate. Rates Subject To Change Without Notice. Rates vary according to credit worthiness and term of loan, subject to change without notice. The featured rate listed assumes an automatic payment method and includes a 0.25% discount. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 8.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.90%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Northwest Community Credit Union’s Texas Ratio rose from 0.94% in Q3 2023 to 9.90% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

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

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$67M	9.90%	5.0	A
March 31, 2026	$65M	7.11%	5.0	A
December 31, 2025	$65M	6.60%	5.0	A
September 30, 2025	$65M	4.52%	5.0	A+
June 30, 2025	$65M	4.99%	5.0	A+
March 31, 2025	$65M	4.27%	5.0	A+
December 31, 2024	$66M	4.79%	5.0	A+
September 30, 2024	$65M	0.82%	5.0	A+
June 30, 2024	$66M	1.25%	5.0	A+
March 31, 2024	$67M	0.62%	5.0	A+
December 31, 2023	$67M	0.66%	5.0	A+
September 30, 2023	$68M	0.94%	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 Community 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 Community 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 Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Northwest Community Credit Union

Website https://www.nwccu.com

Address 8930 Waukegan Rd, Morton Grove, IL 60053

Phone 847-647-1030

Fax 847-647-1208

President Emir Abinion

CEO Jose Garcia

Full-Time Employees 7

Part-Time Employees 2

Branch Locations 3

ATM Locations 1

NCUA Insured No, not federally insured

Private Share Insurance Not federally insured by the NCUA. Deposits are covered by private share insurance instead; contact the credit union for its insurer and coverage limits

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

9.90%

Return on Assets (ROA)

-0.0072%

Return on Equity (ROE)

-0.0766%

Non-Performing Loans Ratio (NPL)

1.27%

Total Assets

66,597,904

Total Amount of Shares and Deposits

61,029,304

Total Shares and Deposits < 1 Year

36,273,380

Total Shares and Deposits 1 3 Years

19,293,409

Total Shares and Deposits > 3 Years

5,462,516

Total Interest Expense (Sum of items 6 8)

586,884

Share Certificates

623

Number of Accounts for Share Drafts

824

IRA KEOGH Accounts

151

Number of Accounts for Regular Shares

2,609

Non Member Deposits

Money Market Shares

100

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

-4,821

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)

2,930,932

Total Liabilities

60,728,471

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Northwest Community Credit Union earned the Verified Healthy badge

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

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

<a href="https://monitorbankrates.com/credit-unions/northwest-community-credit-union-rates-review-97108">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 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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Total Reviews

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Frequently Asked Questions About Northwest Community Credit Union

How many branches does Northwest Community Credit Union operate?

Northwest Community 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 Community Credit Union?

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

Does Northwest Community Credit Union offer online and mobile banking?

Most modern institutions like Northwest Community 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.nwccu.com.