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Great Rates on Certificates
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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:
- Login to Online Banking
- Stop by any of our branches
- Contact us
Certificate Types
SAVINGS CERTIFICATES
Choose your term up to 5 years and deposit a minimum of $1,000.
Manage your share certificate maturity (excluding IRA certificates) in online banking where you can renew the certificate for the same term upon maturity or transfer the mature funds to another Northwest deposit account. Updates to maturity instructions via online banking must be done prior to the maturity date. To make changes during the grace period, please contact our Member Service Center by telephone at 844-709-8900 or email memberservicecenter@nwfcu.org.
IRA CERTIFICATES
Designed for Individual Retirement Accounts, our IRA Certificates offer higher rates on terms of 2-years 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 | 3.93 | 4.00 | 4.02 | 4.10 | 4.02 | 4.10 |
11 months | 4.02 | 4.10 | 4.12 | 4.20 | 4.12 | 4.20 |
18 months | 3.93 | 4.00 | 4.02 | 4.10 | 4.02 | 4.10 |
1 year | 4.02 | 4.10 | 4.07 | 4.15 | 4.12 | 4.20 |
2 years | 3.93 | 4.00 | 4.02 | 4.10 | 4.02 | 4.10 |
3 years | 3.93 | 4.00 | 4.02 | 4.10 | 4.02 | 4.10 |
4 years | 3.93 | 4.00 | 4.02 | 4.10 | 4.02 | 4.10 |
5 years | 3.93 | 4.00 | 4.02 | 4.10 | 4.02 | 4.10 |
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 | 4.17 | 4.25 | 4.27 | 4.35 | 4.27 | 4.35 |
11 months | 4.27 | 4.35 | 4.36 | 4.45 | 4.36 | 4.45 |
18 months | 4.17 | 4.25 | 4.27 | 4.35 | 4.27 | 4.35 |
1 year | 4.02 | 4.10 | 4.07 | 4.15 | 4.12 | 4.20 |
2 years | 4.17 | 4.25 | 4.27 | 4.35 | 4.27 | 4.35 |
3 years | 4.17 | 4.25 | 4.27 | 4.35 | 4.27 | 4.35 |
4 years | 4.17 | 4.25 | 4.27 | 4.35 | 4.27 | 4.35 |
5 years | 4.17 | 4.25 | 4.27 | 4.35 | 4.27 | 4.35 |
Rates current as of 01/23/25 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.