Set aside money for taxes, vacations, holiday purchases, and more with our Savings Club Accounts.

• Set your start date
• Decide how long you want to save
• Make deposits at any time throughout the year(s)
• Money will be automatically transferred to your chosen account on the end date

Help your children learn the importance of saving money for their short- and long-term goals with one of our Youth Club Accounts. They’ll be rewarded with:

• Higher dividends on the first $1,500 saved
• Gift and membership kit at account opening
• Deposit rewards, including $25 bonus* to First Rewards account holders when $500 is saved

Complete a Youth Membership Application to open a Youth Club Account today!

*You will receive $25 as a bonus when your First Rewards savings account balance reaches $500. The $25 bonus will be credited to the savings account by close of business on the first day the balance reaches $500. Offer limited to one bonus per member. The bonus will be reported on the member’s year-end 1099-INT statement.

Sweet Pea Account

Designed for ages 0-3, your Sweet Pea will be set up for savings success from day one. As your Sweet Pea grows, they’ll automatically be placed into the next stage of our Youth Club Accounts: Westie’s Kids Club, Plan it Now, and First Rewards—each club offering age-appropriate deposit gifts, rewards and special events.

Westie’s Kids Club

Kids ages 4-8 will thrive in our Westie’s Kids Club where they’ll learn that saving can be fun. And, on their 10th deposit they’ll receive a special gift.

Plan It Now

Tweens 9-12 will continue on their path to savings success with our Plan it Now Club. They’ll benefit from higher dividends on the first $1,500 saved and will receive a special gift after 10 deposits.

First Rewards

Teens 13-17 can set money aside from their summer jobs in a First Rewards account where they’ll earn a $25 bonus* when their account reaches $500.

Student Services

High school and college-age members can enjoy a variety of products and services designed to help them achieve financial success and independence:

• FirstCard Visa^® Platinum
• NWFCU Foundation Scholarship Programs
• GreenPath Financial Wellness

Learn More About Our Student Services

Custodial Accounts

Set money aside for your child’s future with a Custodial Account. This is an account opened with the child’s name and Social Security Number. As the custodian, you maintain control over the account and can add or withdraw funds as needed. When the child reaches adulthood, the account is turned over to them.

Financial Education Activities

Save – Spend – Share Jars

Watch Westie’s Save-Spend-Share Jar Activity how-to video and download and print your own labels here!

Westie’s Activity Book

Click here to download Westie’s Activity Book and print your favorite pages!

Pay Bills With a Few Simple Clicks

Use Bill Pay within Online Banking to pay your monthly bills, schedule automatic payments and set up recurring payments easily and securely. There’s no monthly fee, no minimum balance requirement, and no reason not to use this convenient service that saves you time and money.

Login to Online Banking to set up Bill Pay today.

Pay Bills Using Online Banking

Online Banking is a free, convenient and secure way to:

• Check account balances, transfer funds
• Pay bills, make loan payments, set up auto pay
• Change your address, order new checks
• Open new accounts: Checking, Savings, Money Market, and Certificates

Pay Bills Using Mobile Banking

Access accounts on the go with Mobile Banking:

• View balances and transactions
• Pay bills and review payments
• Deposit checks with Mobile Deposit^®
• Find a branch or ATM
• Download our free Mobile Banking app at the App Store℠
• or Google^® Play Store to get started.

App Store is a service mark of Apple Inc.
Google Play is a trademark of Google, Inc.

Save paper, save time and protect your privacy

Go paperless and contactless with your monthly account statement to save time, reduce clutter, protect your privacy and protect the environment. You’ll receive an email on the first business day of the month letting you know your eStatement is available through Online and Mobile Banking.

Enroll in eStatements today!

Login to Online or Mobile Banking and access the EDOCS Widget.

It’s that easy!

Access Accounts at Your Fingertips

Check on accounts from your touchtone phone with our user-friendly Telephone Banking service available in English and Spanish.

• Call 703-709-6917 or 800-932-7666 (toll-free)

Learn More about Telephone Banking

Put an end to embarrassing moments at the checkout.

Our Member Protection Plan may cover your checking account overdrafts up to $500 on certain types of transactions based on the plan you choose.

• Enjoy a safety net when your balance is low
• Pay less on overdrafts*
• Overdraft transactions of $5.00 or less will not incur a fee

Member Protection Plans

Standard Member Protection Plan
MPP Standard offers additional, optional coverage that is available upon request by eligible accountholders. Under this plan, the Credit Union authorizes and pays overdrafts for the following types of transactions:

• Checks, ACHs and other transactions made using your checking account number
• Automatic bill payments
• ATM transactions
• Everyday debit card transactions

To opt into this plan:

1. Login to Online Banking
2. Under Quick Links, select Member Protection Plan/Courtesy Pay Form
3. Complete and submit the form via Message Center

Limited Member Protection Plan
MPP Limited offers coverage that comes with your eligible checking account1. Under this plan, the Credit Union authorizes and pays overdrafts for the following types of transactions:

• Checks, ACHs and other transactions made using your checking account number
• Automatic bill payments

Overdraft Coverage
Overdraft Protection Plans – Draw Accounts

Protect your account from overdrafts by linking your savings, credit card, Money Market Account or Line of Credit loan to your checking account. If your checking account has insufficient funds, we’ll automatically transfer money from these accounts.

To Enroll:

1. Contact our Call Center at 703-709-8900 or 844-709-8900 (toll-free)
2. Login to Online Banking to send us a message via Message Center

1 For eligible accounts opened on or after 5/17/21. Accounts opened prior to 5/17/21 must enroll in the MPP Limited plan.

*Member Protection Plan enrollees will pay a reduced fee of $29.50 on overdrafts instead of $32.50 for insufficient funds fee. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. A maximum of six (6) MPP, overdraft and/or returned item fees will be charged per day.

The Member Protection Plan (MPP) is not a line of credit. However, if you overdraw your account, we have the discretion to pay the overdraft subject to the limit of your MPP and the amount of the overdraft fee. Northwest Federal is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. You must bring your account to a positive balance for at least twenty-four (24) hours within every thirty (30) day period. Northwest Federal will not pay overdrafts if you have exceeded your MPP limit or if you are delinquent in repayment.

To determine whether you have enough money in your account to cover a transaction, we use your account’s available balance which is based upon the deposits and withdrawals to your account and all pending electronic transactions, including pre-authorized transfers, point of sale transactions, and merchant payment authorizations, regardless of whether they have posted to your account.

Member Protection Plan disclosure.

Real-time Control

Get real-time control of your Northwest Federal debit and credit card right from your mobile device with this handy app. Set the terms for when, where and how your cards are used anytime, anywhere:

• Turn cards on/off to protect from potential fraud
• Receive transaction alerts
• Quickly and easily add your cards to digital wallets

Download Northwest’s CardControl+ app from the App Store^SM or Google Play^TM to start using it today!

App Store is a service mark of Apple Inc.
Google Play is a trademark of Google Inc.

ClickSWITCH

This simple, easy process helps you move your automated transactions at another financial institution to your Northwest Federal account. In just a few clicks, you can safely and efficiently:

• Set up Direct Deposit
• Set up Bill Pay
• Watch payment tracking to new accounts
• Conveniently start account closure processing with the other financial institution

It’s fully automated, convenient and takes less than 10 minutes.

Get Started Today!

First, you’ll need to gather the information for your existing automated payments and direct deposits you want to switch to your Northwest Federal account.

Next, call us or come by any branch to get your Switch Track Code. With your code, you’re ready to:

• Log in – to ClickSWITCH^®*
• Set up – your user name and password
• Choose – “Create a Deposit” and begin adding your direct deposit information
• Switch – click “Create a Switch” to begin adding your payment accounts and submit
• Close – once the switch process is complete, you can even initiate the closure of your checking account at the other financial institution

We’ll take care of the rest!

Existing Members: If you are already have a checking account and would like to transfer items from another financial institution to your Northwest Federal account, contact our Call Center to access your ClickSWITCH^®* service.

*ClickSWITCH is a registered trademark of ClickSWITCH, LLC.

Conveniently Transfer Funds

When you need to transfer money to another financial institution, foreign or domestic, we can help with convenient and secure online services. See our Schedule of Fees for applicable Northwest Federal fees.

Domestic outgoing wire transfer

To conduct a domestic wire transfer, you’ll need the following information about the receiving financial institution:

• ABA Routing Number
• Institution’s name
• Recipient’s name, address and account number
• Any special instructions (if applicable)

Wire transfers can be requested in Online Banking. Once logged in, access the QUICKWIRES widget.

Questions? Contact our Member Service Center at 703-709-8900 or 844-709-8900 (toll-free) or stop by a branch.

Foreign outgoing wire transfer

Here’s what you’ll be asked to provide when conducting a foreign wire transfer:

• Your name, address, phone number and Social Security Number
• Your Northwest Federal account number
• Receiving institution’s Swift code, name and address
• Receiving institution’s International Bank Account (IBAN) for countries in European Union
• Recipient’s name and account number
• Any special instructions (if applicable)

Questions? Contact our Member Service Center at 703-709-8900 (844-709-8900 toll-free) or stop by a branch.

Wiring money into your account

Domestic Incoming Wire:

You’ll be asked to provide the following information to the other financial institution:

• Member’s name, account number and type of account
• Northwest Federal ABA Routing Number: 256075025
• Account address: 200 Spring St., Herndon, VA 20170
• Northwest Federal phone number: 703-709-8900 or 844-709-8900 (toll-free)

Foreign Incoming Wire:

You’ll be asked to provide the following information to the other financial institution:

• Name on Account: Northwest Federal Credit Union
• Account Address: 200 Spring St, Herndon, VA, USA, 20170
• Account Number: 4451688158
• Beneficiary Bank: Bank of America
• Beneficiary Bank Address: 901 Main Street, Dallas, TX, USA, 75202
• ABA SWIFT (International wires any currency): 026009593 BOFAUS3N
• Special Instructions: NWFCU account name, NWFCU account number and type of NWFCU account

Redeeming U.S. Savings Bonds

Do you have U.S. Savings Bonds reaching maturity? Stop by any Northwest branch to redeem your U.S. Savings bonds.

• Bond types accepted: E, EE, I, and Savings Notes
• Members and joint owners do NOT have a dollar limit maximum for bond redemption
• Non-Members DO have a daily dollar limit maximum of $1000 for bond redemption