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%

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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

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Pacific NW Federal Credit Union

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Pacific NW Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

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

Pacific NW Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 7-Month CD (Limited-Time CD Special), 0.10% APY on savings, 0.75% APY on money market accounts, 0.05% APY on checking, 6.75% on its 15 Year Fixed Rate mortgage, personal loans from 12.49% APR, and credit cards from 12.24% APR, according to rates verified by MonitorBankRates. Other Pacific NW Federal Credit Union CD rates include CDs & IRAs - 7 Month Special at 4.00%, CDs & IRAs - 12 Month at 3.50%, and CDs & IRAs - 6 Month at 3.50%. Other Pacific NW Federal Credit Union mortgage rates include 10 Year Fixed Rate at 6.75%, 20 Year Fixed Rate at 7.25%, and 30 Year Fixed Rate at 7.38%. 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 10/12/2026.

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 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

2.27%

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 Certificate (Limited-Time Certificate Special)	-	4.00%	7 months
Min Deposit $1,000 Details 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 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 7 Month Special	3.93%	4.00%	7 Month
Min Deposit $1,000 Min Balance $100 Details Balance: $100 - $9,999; New money only, not already on deposit with PNWFCU; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 7 Month Special	3.93%	4.00%	7 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,000; New money only, not already on deposit with PNWFCU; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 7 Month Special	3.93%	4.00%	7 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; New money only, not already on deposit with PNWFCU; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 7 Month Special	3.93%	4.00%	7 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 +; New money only, not already on deposit with PNWFCU; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 12 Month	3.44%	3.50%	12 Month
Min Deposit $1,000 Min Balance $100 Details Balance: $100 - $9,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 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: 2.27%
Certificates & IRAs - 12 Month	3.44%	3.50%	12 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,000; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 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: 2.27%
Certificates & IRAs - 12 Month	3.44%	3.50%	12 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 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: 2.27%
Certificates & IRAs - 12 Month	3.44%	3.50%	12 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 +; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 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: 2.27%
Certificates & IRAs - 6 Month	3.44%	3.50%	6 Month
Min Deposit $1,000 Min Balance $100 Details Balance: $100 - $9,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 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: 2.27%
Certificates & IRAs - 6 Month	3.44%	3.50%	6 Month
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $49,000; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 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: 2.27%
Certificates & IRAs - 6 Month	3.44%	3.50%	6 Month
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 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: 2.27%
Certificates & IRAs - 6 Month	3.44%	3.50%	6 Month
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 +; Minimum opening deposit $1,000; Rates Effective: 9/1/2026 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: 2.27%
Certificates & IRAs - 5 Year	2.38%	2.40%	5 Year
Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 5 Year	2.38%	2.40%	5 Year
Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 5 Year	2.38%	2.40%	5 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 5 Year	2.38%	2.40%	5 Year
Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 4 Year	2.33%	2.35%	4 Year
Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 4 Year	2.33%	2.35%	4 Year
Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 4 Year	2.33%	2.35%	4 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 4 Year	2.33%	2.35%	4 Year
Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 3 Year	2.28%	2.30%	3 Year
Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 3 Year	2.28%	2.30%	3 Year
Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 3 Year	2.28%	2.30%	3 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 3 Year	2.28%	2.30%	3 Year
Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 2 Year	2.18%	2.20%	2 Year
Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 2 Year	2.18%	2.20%	2 Year
Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 2 Year	2.18%	2.20%	2 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 2 Year	2.18%	2.20%	2 Year
Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 2.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 18 Month	1.94%	1.95%	18 Month
Min Balance $100 Details Balance: $100 - $9,999; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 18 Month	1.94%	1.95%	18 Month
Min Balance $10,000 Details Balance: $10,000 - $49,000; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 18 Month	1.94%	1.95%	18 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Certificates & IRAs - 18 Month	1.94%	1.95%	18 Month
Min Balance $100,000 Details Balance: $100,000 +; Rates Effective: 9/1/2026 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.95% APY 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 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 10/12/2026 Rate History No change since Sep 25, 2026 · 0.10% APY · checked 4 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 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 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 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 Minimum Balance to Avoid a Service Fee: $500.00; Rates Effective: 1/1/2023 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: 2.27%
eChecking Plus	0.05%	0.05%
Min Deposit $25 Min Balance $500 Details Minimum Balance to Avoid a Service Fee: $500.00; Rates Effective: 1/1/2023 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: 2.27%

Pacific NW Federal Credit Union Mortgage Rates

Product	Rate	Points	APR
15 Year Fixed Rate	6.75%	0.500%	6.90%
Details Rates Effective 10/5/2026; based on $412,500 loan amount; excellent credit (780+) and 25% down or equity assumed Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 6.52% → 6.90% ▲ 0.38 pts · high 6.90% / low 6.52% Oct 12, 20266.90%▲ from 6.77% Oct 2, 20266.77%▲ from 6.52% Sep 25, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
10 Year Fixed Rate	6.75%	0.500%	6.96%
Details Rates Effective 10/5/2026; based on $412,500 loan amount; excellent credit (780+) and 25% down or equity assumed Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 6.46% → 6.96% ▲ 0.50 pts · high 6.96% / low 6.46% Oct 12, 20266.96%▲ from 6.96% Oct 2, 20266.96%▲ from 6.46% Sep 25, 20266.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
20 Year Fixed Rate	7.25%	0.500%	7.372%
Details Rates Effective 10/5/2026; based on $412,500 loan amount; excellent credit (780+) and 25% down or equity assumed Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 6.62% → 7.37% ▲ 0.75 pts · high 7.37% / low 6.62% Oct 12, 20267.37%▲ from 7.12% Oct 2, 20267.12%▲ from 6.62% Sep 25, 20266.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
30 Year Fixed Rate	7.375%	0.500%	7.544%
Details Rates Effective 10/5/2026; based on $412,500 loan amount; excellent credit (780+) and 25% down or equity assumed Last Updated 10/12/2026 Rate History 2 changes since Sep 25, 2026 · 6.96% → 7.54% ▲ 0.58 pts · high 7.54% / low 6.96% Oct 12, 20267.54%▲ from 7.22% Oct 2, 20267.22%▲ from 6.96% Sep 25, 20266.96%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; Advertised as 'Auto loans as low as 5.34% APR*'. APR you qualify for is based on repayment period, collateral year, available rate discounts and credit qualifications. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New Auto	-	-	5.34%	Up to 60 months
Details Published APR range: 5.34% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.34% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New Auto	-	-	5.44%	61 - 72 months
Details Published APR range: 5.44% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.44% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used Auto	-	-	5.49%	Up to 60 months
Details Published APR range: 5.49% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used Auto	-	-	5.59%	61 - 72 months
Details Published APR range: 5.59% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.59% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New Auto	-	-	5.64%	73 - 84 months
Details Published APR range: 5.64% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.64% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used Auto	-	-	5.79%	73 - 84 months
Details Published APR range: 5.79% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.79% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Older Auto	-	-	8.90%	Up to 60 months
Details Published APR range: 8.90% - 18.00%. Collateral year: 2016 & Older; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.90% APR · checked 7 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 Published APR range: 8.49% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New Boat Loan	-	8.70%	Up to 240 months
Details Published APR range: 8.70% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.70% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used Motorcycle Loan	-	8.75%	Up to 84 months
Details Published APR range: 8.75% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
New Motorcycle Loan	-	8.95%	Up to 84 months
Details Published APR range: 8.95% - 18.00%. Collateral year: 2023 & Newer; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 8.95% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used RV Loan	-	9.10%	Up to 240 months
Details Published APR range: 9.10% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.10% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Used Boat Loan	-	9.35%	Up to 240 months
Details Published APR range: 9.35% - 18.00%. Collateral year: 2017-2022; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.35% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Older RV Loan	-	9.85%	Up to 120 months
Details Published APR range: 9.85% - 18.00%. Collateral year: 2016 & Older; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 9.85% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Older Boat Loan	-	11.35%	Up to 120 months
Details Published APR range: 11.35% - 18.00%. Collateral year: 2016 & Older; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 11.35% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Older Motorcycle Loan	-	13.20%	Up to 60 months
Details Published APR range: 13.20% - 18.00%. Collateral year: 2016 & Older; APR based on repayment period, collateral year, rate discounts and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 13.20% APR · checked 7 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 Published APR range: 12.24% - 18.00%. Revolving; minimum payment 3% of outstanding balance monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 12.24% APR 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 Published APR range: 12.49% - 18.00%. APR based on repayment period and credit qualifications Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 12.49% APR · checked 7 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	7.50%	0.375%	7.871%
Details Rates Effective 10/5/2026; construction phase only, based on $440,000 loan amount, $550,000 project total, 80% loan-to-value; repayment phase rate is .50% higher Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 7.12% → 7.87% ▲ 0.76 pts · high 7.87% / low 7.12% Oct 8, 20267.87%▲ from 7.65% Oct 2, 20267.65%▲ from 7.40% Sep 25, 20267.40%▲ from 7.12% Sep 14, 20267.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Land Loan	10.44%	0.000%	10.82%
Details Rates Effective 10/5/2026; excellent credit (780+) and 25% down or equity assumed Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 10.51% → 10.82% ▲ 0.31 pts · high 10.89% / low 10.51% Oct 8, 202610.82%▼ from 10.89% Oct 2, 202610.89%▲ from 10.78% Sep 25, 202610.78%▲ from 10.51% Sep 14, 202610.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Manufactured Home Construction Loan	7.25%	0.000%	7.532%
Details Rates Effective 10/5/2026; based on $498,000 loan amount with $200,000 lot purchase, $325,000 construction, 95% loan-to-value Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 7.23% → 7.53% ▲ 0.30 pts · high 7.77% / low 7.23% Oct 8, 20267.53%▼ from 7.77% Oct 2, 20267.77%▲ from 7.52% Sep 25, 20267.52%▲ from 7.23% Sep 14, 20267.23%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: eStatements required; Account holder ages 17 and under; Balance: Up to $1,000; Stated high-yield APY is for balances up to $1,000; Ages 17 and under; Rates Effective: 10/16/2024; $5 deposit bonus for new members (first $5 deposited in savings, $50 in Edge Debit account); Bonus will be included on a 1099-INT Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.27%
Edge Youth Debit Account	0.10%	-	0.10%
Min Balance $1,000 Details Qualifications Required: eStatements required; Account holder ages 17 and under; Balance: $1,000.01 and higher; Balances of $1,000.01 and higher earn posted account rate; Ages 17 and under; Rates Effective: 10/16/2024; $5 deposit bonus for new members (first $5 deposited in savings, $50 in Edge Debit account); Bonus will be included on a 1099-INT Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY 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.
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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

Q2 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 Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <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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Frequently Asked Questions About Pacific NW Federal Credit Union

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.

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 October 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

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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

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?

Current Pacific NW Federal Credit Union Rates

Compare to Other Credit Unions