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%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Northwest Federal Credit Union

iAdvertiser Disclosure

Northwest Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

Northwest Federal Credit Union's top rates as of October 12, 2026 are 4.50% APY on its 13 Month Savings Momentum CD, 1.50% APY on savings, 1.39% APY on money market accounts, 0.07% APY on checking, and auto loans from 5.19% APR, according to rates verified by MonitorBankRates. Other Northwest Federal Credit Union CD rates include 15 Month Summer Sizzler CD at 4.50%, 30 Month Make Your Move CD at 4.15%, and IRA CDs - 1 year at 4.00%. 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 10/12/2026.

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 Q2 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

Customer Reviews

Be the first to review

Write a Review

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 Savings Momentum Certificate	-	4.50%	13-month
Min Deposit $1,000 Details Promotional certificate; Available for Regular and IRA Certificates; Certificate funds must be new-to-Northwest; must be funded with money not currently on deposit at Northwest; not eligible for dividend bonus rate; Open online or visit any branch; Rate current as of 9/28/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
15 Month Summer Sizzler Certificate	-	4.50%	15-month
Min Deposit $1,000 Details Promotional certificate; Available for Regular and IRA Certificates; Certificate funds must be new-to-Northwest; must be funded with money not currently on deposit at Northwest; not eligible for dividend bonus rate; Open online or visit any branch; Rate current as of 7/13/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
30 Month Make Your Move Certificate	-	4.15%	30-Month
Min Deposit $1,000 Details Promotional certificate; Available for Regular and IRA Certificates; Certificate funds must be new-to-Northwest; must be funded with money not currently on deposit at Northwest; not eligible for dividend bonus rate; Open Certificate Online or visit any branch; Rate current as of 6/15/26 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 1 year	3.93%	4.00%	1 year
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 12, 20264.00%▲ from 3.75% Oct 4, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 1 year	3.93%	4.00%	1 year
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 12, 20264.00%▲ from 3.75% Oct 4, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 1 year	3.83%	3.90%	1 year
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.40% → 3.90% ▲ 0.50 pts · high 3.90% / low 3.40% Oct 12, 20263.90%▲ from 3.65% Oct 4, 20263.65%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 10 month	3.69%	3.75%	10 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 10 month	3.69%	3.75%	10 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 11 month	3.69%	3.75%	11 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 11 month	3.69%	3.75%	11 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 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 Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 1 year	3.69%	3.75%	1 year
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 10 month	3.59%	3.65%	10 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 11 month	3.59%	3.65%	11 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 5 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 Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 18 month	3.45%	3.50%	18 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 4, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 18 month	3.45%	3.50%	18 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 4, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 2 years	3.45%	3.50%	2 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 12, 20263.50%▲ from 3.25% Oct 4, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 2 years	3.45%	3.50%	2 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 12, 20263.50%▲ from 3.25% Oct 4, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 3 years	3.45%	3.50%	3 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 12, 20263.50%▲ from 3.25% Oct 4, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 3 years	3.45%	3.50%	3 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 12, 20263.50%▲ from 3.25% Oct 4, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 4 years	3.45%	3.50%	4 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 12, 20263.50%▲ from 3.25% Oct 4, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 4 years	3.45%	3.50%	4 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 12, 20263.50%▲ from 3.25% Oct 4, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 5 years	3.45%	3.50%	5 years
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 12, 20263.50%▲ from 3.25% Oct 4, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 5 years	3.45%	3.50%	5 years
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 12, 20263.50%▲ from 3.25% Oct 4, 20263.25%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 10 month	3.45%	3.50%	10 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 10 month	3.45%	3.50%	10 months
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 11 month	3.45%	3.50%	11 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 11 month	3.45%	3.50%	11 months
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 18 month	3.35%	3.40%	18 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15% Oct 4, 20263.40%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 2 years	3.35%	3.40%	2 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90% Oct 12, 20263.40%▲ from 3.15% Oct 4, 20263.15%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 3 years	3.35%	3.40%	3 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90% Oct 12, 20263.40%▲ from 3.15% Oct 4, 20263.15%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 4 years	3.35%	3.40%	4 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90% Oct 12, 20263.40%▲ from 3.15% Oct 4, 20263.15%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 5 years	3.35%	3.40%	5 years
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90% Oct 12, 20263.40%▲ from 3.15% Oct 4, 20263.15%▲ from 2.90% Sep 14, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 10 month	3.35%	3.40%	10 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 11 month	3.35%	3.40%	11 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 18 month	3.20%	3.25%	18 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 18 month	3.20%	3.25%	18 months
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 2 years	3.20%	3.25%	2 years
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 2 years	3.20%	3.25%	2 years
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 3 years	3.20%	3.25%	3 years
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 3 years	3.20%	3.25%	3 years
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 4 years	3.20%	3.25%	4 years
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 4 years	3.20%	3.25%	4 years
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 5 years	3.20%	3.25%	5 years
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 5 years	3.20%	3.25%	5 years
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 18 month	3.11%	3.15%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 2 years	3.11%	3.15%	2 years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 3 years	3.11%	3.15%	3 years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 4 years	3.11%	3.15%	4 years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 5 years	3.11%	3.15%	5 years
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 6 month	0.11%	0.11%	6 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 6 month	0.11%	0.11%	6 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 6 month	0.11%	0.11%	6 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.11% APY · checked 5 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 Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.11% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 6 month	0.11%	0.11%	6 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.11% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 6 month	0.11%	0.11%	6 months
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.11% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 3 month	0.05%	0.05%	3 months
Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 3 month	0.05%	0.05%	3 months
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
IRA Certificates - 3 month	0.05%	0.05%	3 months
Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 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 Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 to $99,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 3 month	0.05%	0.05%	3 months
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Certificate - 3 month	0.05%	0.05%	3 months
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000+ Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY 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: $1 - $1,500.00; Qualifying balance up to $1,500.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.28% APY · checked 5 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; Qualifying balance up to $50,000.00; Only members with a Dividend Rewards or Debit Rewards checking account may open; Balances over $50,000 earn 0.50% on the portion over $50,000 (APY range 1.50% to 1.01%) Last Updated 10/12/2026 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Savings Club	-	0.05%
Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 1.39% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 1.34% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.86% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.67% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.57% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.57% APY · checked 5 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%
Min Balance $5,000 Details Monthly dividends; with a deposit of $1,000 per month to Elite Checking; requires minimum average daily balance of $5,000 to avoid $10 monthly maintenance fee; dividends compounded daily and paid monthly; $10 monthly out-of-network ATM fee refunds Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Elite Checking	-	0.02%
Min Balance $5,000 Details Monthly dividends; standard dividend; requires minimum average daily balance of $5,000 to avoid $10 monthly maintenance fee; dividends compounded daily and paid monthly; $10 monthly out-of-network ATM fee refunds Last Updated 10/12/2026 Rate History No change since Oct 8, 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	-	-	5.19%	up to 36 months
Details As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 80% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 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; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2025-2026	-	-	5.19%	up to 36 months
Details As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	5.29%	up to 36 months
Details As Low As; Model Year: 2025; Minimum Loan Amount: $5,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.29% APR 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; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	5.39%	up to 36 months
Details As Low As; Model Year: 2024; Minimum Loan Amount: $5,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	5.49%	up to 36 months
Details As Low As; Model Year: 2026; Minimum Loan Amount: $5,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 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; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	5.69%	up to 36 months
Details As Low As; Model Year: 2022; Minimum Loan Amount: $5,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - New 2026	-	-	5.69%	37-63 months
Details As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 80% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 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; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2025-2026	-	-	5.69%	37-63 months
Details As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 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; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	5.89%	37-63 months
Details As Low As; Model Year: 2025; Minimum Loan Amount: $8,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2025-2026	-	-	5.89%	64-75 months
Details As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	5.99%	37-63 months
Details As Low As; Model Year: 2026; Minimum Loan Amount: $8,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - New 2026	-	-	5.99%	64-75 months
Details As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 80% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 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; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR 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; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	6.09%	64-75 months
Details As Low As; Model Year: 2025; Minimum Loan Amount: $10,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	6.19%	64-75 months
Details As Low As; Model Year: 2024; Minimum Loan Amount: $10,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	6.19%	37-63 months
Details As Low As; Model Year: 2022; Minimum Loan Amount: $8,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.19% APR 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; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	6.29%	64-75 months
Details As Low As; Model Year: 2026; Minimum Loan Amount: $10,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 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; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	6.39%	64-72 months
Details As Low As; Model Year: 2023; Minimum Loan Amount: $10,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - New 2026	-	-	6.39%	76-84 months
Details As Low As; Minimum Loan Amount: $20,000; Maximum LTV: 80% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 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; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	6.49%	up to 36 months
Details As Low As; Model Year: 2020-2021; Minimum Loan Amount: $5,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	6.59%	64-72 months
Details As Low As; Model Year: 2022; Minimum Loan Amount: $10,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.59% APR 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; Minimum Loan Amount: $20,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Special Auto Loan - Used 2025-2026	-	-	6.64%	76-84 months
Details As Low As; Minimum Loan Amount: $20,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 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; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	6.89%	76-84 months
Details As Low As; Model Year: 2026; Minimum Loan Amount: $20,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	6.99%	37-54 months
Details As Low As; Model Year: 2020-2021; Minimum Loan Amount: $8,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.99% APR 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; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.29% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	7.39%	up to 36 months
Details As Low As; Model Year: 2017-2019; Minimum Loan Amount: $5,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	7.49%	85-87 months
Details As Low As; Model Year: 2026; Minimum Loan Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	7.49%	55-66 months
Details As Low As; Model Year: 2020-2021; Minimum Loan Amount: $10,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	7.89%	37-54 months
Details As Low As; Model Year: 2017-2019; Minimum Loan Amount: $8,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	8.39%	55-66 months
Details As Low As; Model Year: 2017-2019; Minimum Loan Amount: $10,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.12%
Regular Auto Loan	-	-	10.19%	88-96 months
Details As Low As; Model Year: 2026; Minimum Loan Amount: $40,000 Last Updated 10/12/2026 Rate History No change since Oct 12, 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	-	-	7.073%
Details APR as low as; headline rate for home loans Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 6.55% → 7.07% ▲ 0.52 pts · high 7.07% / low 6.55% 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

Q2 2026 MBR Health & Safety Badge

Northwest Federal 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-federal-credit-union-rates-review-5500">
  <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

There are no reviews for Northwest Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Northwest Federal Credit Union

Frequently Asked Questions About Northwest Federal Credit Union

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.

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 October 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

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Northwest Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About 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?

Current Northwest Federal Credit Union Rates

Compare to Other Credit Unions