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Great Rates on Certificates

Saving with a Certificate

Our Certificates pay competitive dividends and can be opened with as little as $1,000 and have terms from 90 days to five (5) years.

Open your certificates today:

Certificate Types

SAVINGS CERTIFICATES

Choose your term up to 5 years and deposit a minimum of $1,000.

Updates to your certificate maturity instructions can be managed through any of the following options:

  • Visit your local branch
  • Email: memberservicecenter@nwfcu.org
  • Send a secure message via Online Banking
  • Call our Member Service Center at 844-709-8900

IRA CERTIFICATES
Designed for Individual Retirement Accounts, our IRA Certificates offer higher rates on terms of 10 months to 5-years.

Regular Certificates
$1,000 to $99,999 $100,000 to $249,999 $250,000+
Term Rate APY* Rate APY* Rate APY*
3 months 0.05 0.05 0.05 0.05 0.05 0.05
6 months 0.11 0.11 0.11 0.11 0.11 0.11
10 months 3.35 3.40 3.45 3.50 3.45 3.50
11 months 3.35 3.40 3.45 3.50 3.45 3.50
18 months 2.86 2.90 2.96 3.00 2.96 3.00
1 year 3.35 3.40 3.45 3.50 3.45 3.50
2 years 2.86 2.90 2.96 3.00 2.96 3.00
3 years 2.86 2.90 2.96 3.00 2.96 3.00
4 years 2.86 2.90 2.96 3.00 2.96 3.00
5 years 2.86 2.90 2.96 3.00 2.96 3.00

 

IRA Certificates
$1,000 to $99,999 $100,000 to $249,999 $250,000+
Term Rate APY* Rate APY* Rate APY*
3 months 0.05 0.05 0.05 0.05 0.05 0.05
6 months 0.11 0.11 0.11 0.11 0.11 0.11
10 months 3.59 3.65 3.69 3.75 3.69 3.75
11 months 3.59 3.65 3.69 3.75 3.69 3.75
18 months 3.11 3.15 3.20 3.25 3.20 3.25
1 year 3.59 3.65 3.69 3.75 3.69 3.75
2 years 3.11 3.15 3.20 3.25 3.20 3.25
3 years 3.11 3.15 3.20 3.25 3.20 3.25
4 years 3.11 3.15 3.20 3.25 3.20 3.25
5 years 3.11 3.15 3.20 3.25 3.20 3.25

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Rates current as of 12/12/25 and are subject to change without notice.

*APY=Annual Percentage Yield. The Annual Percentage Yield is based on dividends posted and compounded monthly and will remain in the account until maturity. Any withdrawal will affect the APY calculation and result in reduced earnings.

Promotional certificates are not eligible for dividend bonus rate. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Individual Retirement Accounts (IRA) Certificates are for consumer accounts only.

Click here to view the disclosure.

We have identified a system maintenance error that is causing fees to be incorrectly charged to our business accounts for Positive Pay and the monthly RDC charges. We are aware of this issue and are actively working on removing these fees as quickly as possible.

Government Shutdown: If you have been furloughed due to the government shutdown, Northwest is here to assist with a Relief Line of Credit to help you cover expenses. 

Learn more.