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 Northwest Hills Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 9, 2026
Northwest Hills Credit Union's top rates as of October 9, 2026 are 4.25% APY on its 6 Month CD Special, 5.09% APY on savings, 2.02% APY on money market accounts, 0.03% APY on checking, personal loans from 9.99% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other Northwest Hills Credit Union CD rates include 12 Month IRA & Roth IRA CDs at 4.00%, 12 Month CDs at 4.00%, and 24 Month IRA & Roth IRA CDs at 3.75%. MonitorBankRates evaluates the financial stability of Northwest Hills Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.38%. Rates last updated and verified on 10/09/2026. Northwest Hills 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 Hills Credit Union? Share your experience about Northwest Hills Credit Union by leaving a review below, or read customer reviews before you decide to use Northwest Hills Credit Union. 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 Hills Credit Union CD Rates
Northwest Hills Credit Union Savings Rates
Northwest Hills Credit Union Money Market Rates
Northwest Hills Credit Union Checking Rates
Northwest Hills Credit Union Home Equity & HELOC
Northwest Hills Credit Union Auto Loan Rates
Northwest Hills Credit Union Credit Card Rates
Northwest Hills Credit Union Personal Loan Rates
Northwest Hills Credit Union Other Rates
Financial Health HistoryNorthwest Hills Credit Union’s Texas Ratio fell from 2.17% in Q3 2023 to 1.38% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Northwest Hills 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 Hills 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 Hills Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Northwest Hills Credit Union
Website
https://www.nwhcu.com
Address
339 N Elm St,
Torrington, CT 06790
Phone
860-496-7326
Fax
860-489-4486
President
Steven Chenail
CEO
Christopher Mastroni
Full-Time Employees
10
Part-Time Employees
1
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.38%
Return on Assets (ROA)
0.6501%
Return on Equity (ROE)
6.9992%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
56,997,856
Total Amount of Shares and Deposits
51,493,483
Total Shares and Deposits < 1 Year
50,009,772
Total Shares and Deposits 1 3 Years
1,283,838
Total Shares and Deposits > 3 Years
199,874
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,013,025
Total Uninsured Shares and Deposits > $250K (F+J)
3,013,025
Total Insured Shares and Deposits > $250K (item 17 less item K)
48,480,458
Total Interest Expense (Sum of items 6 8)
281,750
Share Certificates
311
Number of Accounts for Share Drafts
2,189
IRA KEOGH Accounts
72
Number of Accounts for Regular Shares
4,919
All other shares
23
Money Market Shares
46
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)
2,652,666
Total Liabilities
51,703,996
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Northwest Hills Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Northwest Hills Credit Union
Frequently Asked Questions About Northwest Hills Credit UnionHow many branches does Northwest Hills Credit Union operate?Northwest Hills 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 Hills Credit Union?Yes, to access services at Northwest Hills 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 Hills 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 Hills Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Northwest Hills Credit Union offer online and mobile banking?Most modern institutions like Northwest Hills 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.nwhcu.com. Current Northwest Hills Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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