100 Reasons to Join NWFCU

  1. We work for you –You're not a “customer” here…you're a member-owner, with voting rights and unrestricted access to all that we have to offer.
  2. Your money works harder – Unlike banks, we're non-profit, so assets after operating expenses are returned to you in the form of better rates and low or no-fee services.
  3. Lower loan rates – Our rates are typically lower than national banks and other lenders.
  4. Family membership – You'll want to share our great members-only services with everyone in your family so they can save on financial products too.
  5. Convenient locations – Full service Virginia branches in Herndon, Chantilly, Vienna, and Manassas plus 4,100+ shared service centers across the U.S. and a network of more than 33,000 free ATMs mean you're never far from your funds.
  6. Extended evening and Saturday hours – Our Chantilly, Herndon, Manassas and Vienna branches are open until 7:00 pm on weekdays and 9:00 am - 1:00 pm on Saturdays.
  7. Secure online account access – Internet banking, online bill payer, electronic statements and opt-in account alerts utilize the latest technology to ensure privacy and help deter mail fraud – all FREE.
  8. 33,000+ free ATMs – Includes an unlimited number of completely free ATM transactions at more than 33,000 CO-OP Network and Alliance One ATMs nationwide – that means no surcharge fees and no NWFCU fees.
  9. Extensive educational resources – Our website offers free financial calculators; we host a myriad of seminars and members-only special events; and our BALANCE Financial Counselors can help you control your financial security.
  10. Lifetime of financial services – From insurance and investments to travel services and more, we're a one-stop resource for all your financial needs.
  11. Checking choices – Choose your checking account, based on your needs and lifestyle.
  12. Premier Checking account – Earn dividends, get discounts and a certificate rate bonus with this top-tier checking account.
  13. Access Checking account – Get discounts ans pay no monthly fees when you use our key services.
  14. Basic Checking account – This simple, straight forward checking account is perfect if you’re looking for “just the basics” with no fees or minimum balance requirements.
  15. First Checking – Exclusively for members age 15-22, this checking account combines the benefits young adults want, with FREE services they need.
  16. Direct deposit – Save hassle by having your paycheck automatically deposited to your account.
  17. Heritage Club – Qualifying members age 62 and older can enjoy exclusive benefits such as a certificate rate bonus, reward points and more.
  18. Savings choices – Whether your savings goals are short term or long term, we have the right dividend-earning account for you.
  19. Share savings – Your $5 deposit establishes your membership in the Credit Union.
  20. Youth Club Accounts – Children earn higher dividends and receive special perks while learning money management skills with these free club savings accounts.
  21. Add-on Certificates – Giving you the unique flexibility to add to your investment over time by giving you the option to deposit additional funds to your Certificate over the term.
  22. Money Market accounts – A savings account featuring a higher dividend rate than a regular share savings account.
  23. Custodial accounts – A convenient way to put money away for your child's future and safeguard the funds until the child reaches adulthood.
  24. Holiday Club accounts – A special account to help you save money for seasonal expenses.
  25. Share Certificates – Earn higher dividends with terms ranging from 30 days to 5 years.
  26. Certificate rate bonus – Earn up to 0.25% bonus dividend rate on certificates with Premier Checking or with our Heritage Club for qualifying members age 62 and older.
  27. IRAs – Several options to help you achieve your retirement goals.
  28. Trust accounts – We can help you secure your family’s financial future while avoiding probate.
  29. Mortgages – A wide array of loan options with great rates and low fees and lifetime servicing.
  30. Skilled, non-commissioned mortgage representatives – We’ll help you choose the right loan for your needs with no surprises down the road.
  31. Online loan application – Apply anytime, day or night.
  32. Free mortgage pre-approvals – Know how much you can afford before you start your home search.
  33. Realtor on Duty program – No-pressure, in-person real estate advice from seasoned experts available in our branches.
  34. Home buyer and seller rebate program – With CU Realty, you can access the same database the pros use to search for your new home; research neighborhoods and schools with a few mouse clicks; and when you buy or sell using one of our affiliated Realtors®, you get a cash rebate at closing.
  35. Home Equity loans – A low, fixed-rate loan with a variety of terms available.
  36. Home Equity Line of Credit (HELOC) – A variable rate, revolving line of credit that lets you draw funds as needed.
  37. Mortgage seminars – Topics range from buying or selling a home to reverse mortgages.
  38. Professional loan officers – Available to help with you any loan you may need.
  39. Visa® Platinum – Enjoy all the benefits of a Platinum card with a low variable rate.
  40. Member Rewards MasterCard® – Earn 1 point for every $1 spent to use toward travel, cash back, or merchandise.
  41. FirstCard Visa® Platinum Credit Card – A low non-variable rate Visa® credit card exclusively for members age 15-22.
  42. New and used vehicle leasing – Perfect choice if you prefer driving a new vehicle every 2 -3 years and commute less than 15,000 miles a year.
  43. Discounted auto loan rates – Save on your next loan when you have an NWFCU checking account with a direct deposit of $500 or more and automatic payment.
  44. Auto loan refinancing bonuses – Refinance an auto loan from another lender and get a rebate up to $100.
  45. Online Auto Auction – Online auction for pre-owned vehicles.
  46. Auto Resources – We offer free convenient services to help you before, during and after your vehicle purchase.
  47. Pre-Approved Auto Loan (PAL) check – A fully negotiable, live check that you can take to any dealership and present as payment-in-full on a new or used vehicle.
  48. Auto Locating Concierge Service – We do all the legwork and find your new car, negotiate price and deliver it to you.
  49. Free CARFAX reports – Get the history of your used vehicle before you purchase.
  50. Business services and loans – Our low cost, high value services give you the tools you need to manage your business.
  51. NorthwestXpress bank-by-phone service – Account access 24 hours a day from any touch-tone phone.
  52. Debit MasterCard® – Make purchases directly from your checking account wherever you see the MasterCard® logo.
  53. Switch Kit – We've made movingyour accounts from other financial institutions and rerouting your direct deposits easy with our online Switch Kit.
  54. NWLink Internet Banking – Free online banking providing access to your accounts and transfers to other NWFCU accounts via a secure Internet connection.
  55. NWLink Bill Payer – Pay all of your bills conveniently from your computer, with this free option of our home banking program.
  56. Mobile banking – Check rates & access your accounts from any web-enabled cell or PDA at go.nwfcu.org.
  57. eStatements – Provides a secure alternative to U.S. postal mailed paper statements and helps the environment.
  58. e-LERT Service – A free, opt-in email notification service to keep you updated on your accounts, rates and potential fraud.
  59. Online financial calculators – Planning calculators designed to answer questions such as “how much will my mortgage payments be?” or “what will it take to become a millionaire?”
  60. Online credit card management tools – Get up-to-date account transactions and pay your credit card bill online.
  61. Coin counting machines – Free machines available in our branches to automatically count coins and deposit them directly into your account.
  62. Safe Deposit Boxes – Secure containers to store your valuables.
  63. Payroll deduction – A convenient way to direct funds to specific accounts and pay NWFCU loans.
  64. Pre-authorized transfer – Move funds from one account to another, or even transfer funds to pay loans.
  65. Fee-free overdraft protection – Fee-free checking account overdraft protection funded by your share savings, Money Market Account, credit card, or line of credit.
  66. No fee for incoming wire transfers – Have funds wired to your account at no charge.
  67. Free domestic wire transfers – A special benefit for Premier Checking holders.
  68. Bank-by-mail – Mail deposits or payments from anywhere in the country with this handy kit.
  69. Bank-by-phone – Just dial to transfer funds, obtain balance information, make withdrawals, and apply for loans – no matter where you are.
  70. TTY service – Hearing impaired? Conduct CU business via TTY.
  71. U.S. Savings Bonds – Series EE bonds can be redeemed at any NWFCU branch.
  72. Visa® TravelMoney card – A prepaid, PIN-based, reloadable Visa® debit card which offers a safe and convenient alternative to traveler’s cheques and cash.
  73. Insured Deposits – Your deposits are insured up to $250,000 by the National Credit Union Administration (NCUA) and your IRA’s are insured separately up to $250,000.  Insurance coverage can actually be much more than $250,000 depending on the ownership of the account. 
  74. Online Currency Exchange – An online foreign currency ordering service.
  75. Free Notary Public service – Stop by any branch any time you need a document notarized.
  76. Student Choice loan program – A lower cost student loan that fills the gaps that savings and Federal aid can leave behind.
  77. Financial education for all – NWFCU is committed to helping you manage your money with various resources and tools.
  78. BALANCE – A free and confidential service featuring unbiased money management counseling.
  79. Northwest Financial LLC Investments & Insurance – Make the most of your funds with prudent planning and cost-effective solutions.
  80. Nationwide Shared Branches – 4,100+ nationwide locations; conduct many transactions as if you were at NWFCU.
  81. Online location wizard – Locate an ATM or shared branch complete with directions and maps.
  82. ATMs at 5,800 7-Eleven stores – Around the corner or around the country, ATM access for free.
  83. Point-of-sale cash back – Like a free ATM every time you make a purchase with your debit card.
  84. NWFCU Foundation – Helping our local communities improve through financial education initiatives.
  85. Ben DeFelice Scholarship program – Awarded annually to deserving students who demonstrate leadership, dedication and commitment in school, at home and in the community.
  86. Children’s Miracle Network support – Raising funds for 170 Children’s Hospitals through the Credit Union Cherry Blossom Ten Mile Run and Miracle Day Merchandise & Donations.
  87. Penny Power – Reading and puppet program through NWFCU Foundation designed to teach local elementary school children the importance of earnings and savings.
  88. Westie – NWFCU’s West Highland White Terrier mascot makes saving fun for kids.
  89. Reality Store – Role-playing event through NWFCU Foundation with high school students that helps them understand and plan for expenses of everyday life.
  90. Blood drive – Partner with Inova Blood Donor Services to help keep local blood banks full.
  91. Smiling faces – Friendly staff in branch to help you with all of your financial needs.
  92. Lollipops – Always available at the teller line – Great for kids and members of all ages!
  93. Responsive management – We listen to your needs.
  94. Responsive Board of Directors – Made up of members, working for members.
  95. Member-ownership rights – Every member has a voice and a vote.
  96. Annual Member Appreciation Day – Free event with food and fun exclusively for our members.
  97. On-site Shred Event – Free secure document destruction event held twice a year.
  98. 60+ years of service – History of service excellence, quality and financial stability.
  99. Once a member, always a member – Once you join, you remain a member no matter where you live or work.
  100. Member Protection Plan – Protect your checking account from overdrafts with this convenient service option.

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