What are the current interest rates at Northwest Plus Credit Union?

Current rates for Northwest Plus Credit Union include: 12-Month CD: 3.03%, 24-Month CD: 3.54%, 60-Month CD: 3.03%, Savings: 0.25%, MMA: 1.76%

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Northwest Plus Credit Union

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Northwest Plus Credit Union Rates & Review October 2026

Q: Is a member application needed to join Northwest Plus Credit Union?

Yes, to access services at Northwest Plus 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Northwest Plus 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 14, 2026

Northwest Plus Credit Union's top rates as of October 14, 2026 are 3.54% APY on its 24 Month CD of Deposit, 0.25% APY on savings, 1.76% APY on money market accounts, 5.12% APY on checking, 7.00% on its Conventional Owner Occupied - 15 Years Loan mortgage, and personal loans from 8.99% APR, according to rates verified by MonitorBankRates. Other Northwest Plus Credit Union CD rates include 24 Month CDs of Deposit at 3.54%, 36 Month CD of Deposit at 3.54%, and 36 Month CDs of Deposit at 3.54%. Other Northwest Plus Credit Union mortgage rates include Fixed Rate Mortgage - Conventional Owner Occupied at 7.00%, Fixed Rate Mortgages - Conventional Owner Occupied at 7.00%, and Conventional Owner Occupied - 10 Years Loan at 7.00%. MonitorBankRates evaluates the financial stability of Northwest Plus Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.16%. Rates last updated and verified on 10/14/2026.

Northwest Plus 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 Northwest Plus Credit Union? Share your experience about Northwest Plus Credit Union by leaving a review below, or read customer reviews before you decide to use Northwest Plus Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.16%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Northwest Plus Credit Union
Everett

2821 Hewitt Ave
Everett, WA 98201

https://nwpluscu.com

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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.

Northwest Plus Credit Union CD Rates

Product	Rate	APY	Term
24 Month Certificate of Deposit	3.50%	3.54%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/14/2026 Rate History 1 change since Oct 1, 2026 · 1.31% → 3.54% ▲ 2.23 pts · high 3.54% / low 1.31% Oct 14, 20263.54%▲ from 1.31% Oct 1, 20261.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
24 Month Certificates of Deposit	3.50%	3.54%	24 Month
Min Deposit $500 Details Bump feature: one bump in interest rate during the term Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.54% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 Month Certificate of Deposit	3.50%	3.54%	36 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/14/2026 Rate History 1 change since Oct 1, 2026 · 1.46% → 3.54% ▲ 2.08 pts · high 3.54% / low 1.46% Oct 14, 20263.54%▲ from 1.46% Oct 1, 20261.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
36 Month Certificates of Deposit	3.50%	3.54%	36 Month
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.54% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 Month Certificate of Deposit	3.25%	3.29%	48 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/14/2026 Rate History 1 change since Oct 1, 2026 · 1.51% → 3.29% ▲ 1.78 pts · high 3.29% / low 1.51% Oct 14, 20263.29%▲ from 1.51% Oct 1, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
48 Month Certificates of Deposit	3.25%	3.29%	48 Month
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.29% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 Month Certificate of Deposit	3.00%	3.03%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/14/2026 Rate History 1 change since Oct 1, 2026 · 1.00% → 3.03% ▲ 2.03 pts · high 3.03% / low 1.00% Oct 14, 20263.03%▲ from 1.00% Oct 1, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 Month Certificate of Deposit	3.00%	3.03%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 10/14/2026 Rate History 1 change since Oct 1, 2026 · 1.00% → 3.03% ▲ 2.03 pts · high 3.03% / low 1.00% Oct 14, 20263.03%▲ from 1.00% Oct 1, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
12 Month Certificates of Deposit	3.00%	3.03%	12 Month
Min Deposit $500 Details Bump feature: one bump in interest rate during the term Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 Month Certificate of Deposit	3.00%	3.03%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/14/2026 Rate History 1 change since Oct 1, 2026 · 0.65% → 3.03% ▲ 2.38 pts · high 3.03% / low 0.65% Oct 14, 20263.03%▲ from 0.65% Oct 1, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 Month Certificate of Deposit	3.00%	3.03%	6 Month
Min Deposit $500 Min Balance $500 Details All certificates of deposit require a $500 minimum deposit. Early withdrawal penalties may apply for all Certificates of Deposit / IRAs. Last Updated 10/14/2026 Rate History 1 change since Oct 1, 2026 · 0.65% → 3.03% ▲ 2.38 pts · high 3.03% / low 0.65% Oct 14, 20263.03%▲ from 0.65% Oct 1, 20260.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
6 Month Certificates of Deposit	3.00%	3.03%	6 Month
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Certificate of Deposit	3.00%	3.03%	60 months
Min Deposit $500 Min Balance $500 Details Balance: $500 - $9,999 Last Updated 10/14/2026 Rate History 1 change since Oct 1, 2026 · 1.81% → 3.03% ▲ 1.22 pts · high 3.03% / low 1.81% Oct 14, 20263.03%▲ from 1.81% Oct 1, 20261.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
60 Month Certificates of Deposit	3.00%	3.03%	60 Month
Min Deposit $500 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Northwest Plus Credit Union Savings Rates

Product	Rate	APY
Christmas Club	1.00%	1.00%
Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Regular Savings	0.25%	0.25%
Min Balance $5 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Northwest Plus Credit Union Business Savings Rates

Product	Rate	APY	View More
Regular Business Savings	0.25%	0.25%
Min Balance $5 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Northwest Plus Credit Union Money Market Rates

Product	Rate	APY
Premium Money Market	1.75%	1.76%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Premium Money Market	1.50%	1.51%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Premium Money Market	1.25%	1.26%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Regular Money Market	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Regular Money Market	0.85%	0.85%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Regular Money Market	0.70%	0.70%
Min Balance $2,000 Details Balance: $2,000 - $9,999 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Northwest Plus Credit Union Checking Rates

Product	Rate	APY
Kasasa Cash Checking	5.00%	5.12%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $15,000.00; Dividend rate 5.00% on balances up to $15,000 when qualifications are met; Refunds up to $15.00 per month on nationwide ATM withdrawal fees; No monthly maintenance fee Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 5.12% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Premium Interest Checking	0.10%	0.10%
Min Balance $1,500 Details Balance: $1,500 and over; Printed Minimum Balance: $1,500 Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Premium Interest Checking	0.05%	0.05%
Min Balance $1,500 Details Balance: $0 - $1,499; Printed Minimum Balance: $1,500 Last Updated 10/14/2026 Rate History No change since Oct 1, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Direct Checking	0.03%	0.03%
Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Northwest Plus Credit Union Business Checking Rates

Product	Rate	APY	View More
Premium Business Checking	0.10%	0.10%
Min Balance $5,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Northwest Plus Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Owner Occupied - 15 Years Loan	7.00%	-	7.216%	15 Years
Details Fixed Rate Mortgages; Maximum Loan Amount $832,750; Max. LTV: 95%; Loan Fee: 0.500%; P&I Pmt based on $100,000: ($898.83) Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 7.34% → 7.22% ▼ 0.13 pts · high 7.34% / low 7.22% Oct 2, 20267.22%▼ from 7.34% Sep 30, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Rate Mortgage - Conventional Owner Occupied	7.00%	-	7.216%	15 Years
Details Max. LTV: 95%; Loan Fee: 0.500%; Maximum Loan Amount $832,750 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.22% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Rate Mortgages - Conventional Owner Occupied	7.00%	-	7.216%	15 Years
Details Max LTV: 95%; Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.22% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Conventional Owner Occupied - 10 Years Loan	7.00%	-	7.302%	10 Years
Details Fixed Rate Mortgages; Maximum Loan Amount $832,750; Max. LTV: 95%; Loan Fee: 0.500%; P&I Pmt based on $100,000: ($1,161.08) Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 7.43% → 7.30% ▼ 0.13 pts · high 7.43% / low 7.30% Oct 2, 20267.30%▼ from 7.43% Sep 30, 20267.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Rate Mortgage - Conventional Owner Occupied	7.00%	-	7.302%	10 Years
Details Max. LTV: 95%; Loan Fee: 0.500%; Maximum Loan Amount $832,750 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Rate Mortgages - Conventional Owner Occupied	7.00%	-	7.302%	10 Years
Details Max LTV: 95%; Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.30% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Adjustable Rate Mortgages Conventional Owner Occupied - 3/1 ARM	7.25%	-	7.386%	30 Years
Details Adjustable Rate Mortgage; Maximum Loan Amount $850,000; Max. LTV: 95%; Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Conventional - Owner Occupied - 3/1 ARM	7.25%	-	7.386%	30 years
Details Adjustable Rate Mortgage; Max. LTV: 95%; Loan Fee: 0.500%; Maximum Loan Amount $850,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Conventional Owner Occupied Adjustable Rate Mortgage - 3/1 ARM	7.25%	-	7.386%	30 Years
Details Max LTV: 95%; Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.39% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Adjustable Rate Mortgages Conventional Owner Occupied - 5/1 ARM	7.375%	-	7.513%	30 Years
Details Adjustable Rate Mortgage; Maximum Loan Amount $850,000; Max. LTV: 95%; Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.51% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Conventional - Owner Occupied - 5/1 ARM	7.375%	-	7.513%	30 years
Details Adjustable Rate Mortgage; Max. LTV: 95%; Loan Fee: 0.500%; Maximum Loan Amount $850,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.51% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Conventional Owner Occupied Adjustable Rate Mortgage - 5/1 ARM	7.375%	-	7.513%	30 Years
Details Max LTV: 95%; Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.51% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Welcome Home Loan - 5/1 ARM	7.375%	-	7.539%	30 years
Details Adjustable Rate Mortgage; Primary Residence Purchase; Max. LTV: 100%; Loan Fee: 0.750%; Maximum Loan Amount $806,500 (Except Snohomish/King/Pierce County - Maximum Loan Amount $1,037,300); Mortgage Program rates effective as of 02/10/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Welcome Home Loan: Primary Residence Purchase - 5/1 ARM	7.375%	-	7.539%	30 Year
Details Max. LTV: 100%; Loan Fee: 0.750%; Maximum Loan Amount $832,650 (Snohomish/King/Pierce County: $1,063,750) Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 6.02% → 7.54% ▲ 1.52 pts · high 7.54% / low 6.02% Oct 14, 20267.54%▲ from 6.02% Oct 6, 20266.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Welcome Home Loan: Primary Residence Purchase - 5/1 ARM	7.375%	-	7.539%	30 years
Details Adjustable rate mortgage; Max. LTV 100%; Loan Fee 0.750%; Maximum Loan Amount $806,500 (*Except in Snohomish/King/Pierce County - Maximum Loan Amount $1,037,300) Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 6.02% → 7.54% ▲ 1.52 pts · high 7.54% / low 6.02% Oct 14, 20267.54%▲ from 6.02%* Oct 6, 20266.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Conventional Owner Occupied - 20 Year Loan	7.375%	-	7.553%	20 Year
Details Fixed Rate Mortgages; Maximum Loan Amount $832,750; Max. LTV: 95%; Loan Fee: 0.500%; P&I Pmt based on $100,000: ($797.97) Last Updated 10/14/2026 Rate History 3 changes since Sep 30, 2026 · 7.68% → 7.55% ▼ 0.13 pts · high 7.68% / low 7.55% Oct 14, 20267.55%▼ from 7.68% Oct 6, 20267.68%▲ from 7.55% Oct 2, 20267.55%▼ from 7.68% Sep 30, 20267.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Rate Mortgage - Conventional Owner Occupied	7.375%	-	7.553%	20 Year
Details Max. LTV: 95%; Loan Fee: 0.500%; Maximum Loan Amount $832,750 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Rate Mortgages - Conventional Owner Occupied	7.375%	-	7.553%	20 Year
Details Max LTV: 95%; Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Conventional Owner Occupied - 30 Years Loan	7.50%	-	7.639%	30 Years
Details Fixed Rate Mortgages; Maximum Loan Amount $832,750; Max. LTV: 95%; Loan Fee: 0.500%; P&I Pmt based on $100,000: ($699.21) Last Updated 10/14/2026 Rate History 3 changes since Sep 30, 2026 · 7.77% → 7.64% ▼ 0.13 pts · high 7.77% / low 7.64% Oct 14, 20267.64%▼ from 7.77% Oct 6, 20267.77%▲ from 7.64% Oct 2, 20267.64%▼ from 7.77% Sep 30, 20267.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Rate Mortgage - Conventional Owner Occupied	7.50%	-	7.639%	30 Years
Details Max. LTV: 95%; Loan Fee: 0.500%; Maximum Loan Amount $832,750 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Rate Mortgages - Conventional Owner Occupied	7.50%	-	7.639%	30 Years
Details Max LTV: 95%; Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.64% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Conventional Owner Occupied - 30 Years USDA Loan	7.625%	-	7.766%	30 Years
Details USDA*; Fixed Rate Mortgages; Maximum Loan Amount $832,750; Max. LTV: 102%; Loan Fee: 0.500%; P&I Pmt based on $100,000: ($707.79) Last Updated 10/14/2026 Rate History 3 changes since Sep 30, 2026 · 7.89% → 7.77% ▼ 0.13 pts · high 7.89% / low 7.77% Oct 14, 20267.77%▼ from 7.89%* Oct 6, 20267.89%▲ from 7.77% Oct 2, 20267.77%▼ from 7.89% Sep 30, 20267.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Rate Mortgage - Conventional Owner Occupied USDA	7.625%	-	7.766%	30 Years
Details USDA loan (30 Years USDA**); Max. LTV: 102%; Loan Fee: 0.500%; Maximum Loan Amount $832,750; Purchase & Refinance Existing USDA Only Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.77% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Rate Mortgage - USDA	7.625%	-	7.766%	30 Years
Details Conventional Owner Occupied; USDA**: Purchase & Refinance Existing USDA Only; Max Loan Amount $832,750; Max. LTV: 102%; Loan Fee: 0.500%; P&I Pmt based on $100,000: ($707.79) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.77% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Fixed Rate Mortgages - Conventional Owner Occupied - USDA	7.625%	-	7.766%	30 Years
Details USDA loan; Purchase & Refinance Existing USDA Only; Max LTV: 102%; Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.77% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Adjustable Rate Mortgages Conventional Owner Occupied - 7/1 ARM	7.625%	-	7.777%	30 Years
Details Adjustable Rate Mortgage; Maximum Loan Amount $850,000; Max. LTV: 95%; Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Conventional - Owner Occupied - 7/1 ARM	7.625%	-	7.777%	30 years
Details Adjustable Rate Mortgage; Max. LTV: 95%; Loan Fee: 0.500%; Maximum Loan Amount $850,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Conventional Owner Occupied Adjustable Rate Mortgage - 7/1 ARM	7.625%	-	7.777%	30 Years
Details Max LTV: 95%; Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Welcome Home Loan - 7/1 ARM	7.625%	-	7.803%	30 years
Details Adjustable Rate Mortgage; Primary Residence Purchase; Max. LTV: 100%; Loan Fee: 0.750%; Maximum Loan Amount $806,500 (Except Snohomish/King/Pierce County - Maximum Loan Amount $1,037,300); Mortgage Program rates effective as of 02/10/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.80% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Welcome Home Loan: Primary Residence Purchase - 7/1 ARM	7.625%	-	7.803%	30 Year
Details Max. LTV: 100%; Loan Fee: 0.750%; Maximum Loan Amount $832,650 (Snohomish/King/Pierce County: $1,063,750) Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 6.28% → 7.80% ▲ 1.52 pts · high 7.80% / low 6.28% Oct 14, 20267.80%▲ from 6.28% Oct 6, 20266.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Welcome Home Loan: Primary Residence Purchase - 7/1 ARM	7.625%	-	7.803%	30 years
Details Adjustable rate mortgage; Max. LTV 100%; Loan Fee 0.750%; Maximum Loan Amount $806,500 (*Except in Snohomish/King/Pierce County - Maximum Loan Amount $1,037,300) Last Updated 10/14/2026 Rate History 1 change since Oct 6, 2026 · 6.28% → 7.80% ▲ 1.52 pts · high 7.80% / low 6.28% Oct 14, 20267.80%▲ from 6.28%* Oct 6, 20266.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Investment Mortgages - 30 Years 5/1 ARM	8.125%	-	8.437%	30 years
Details Non-Owner Occupied; 5/1 ARM; Adjustable Rate Maximum Loan Amount $850,000; Max. LTV: 85%; Loan Fee: 2.000%; P&I Pmt Based on $100,000: ($742.50) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Investment Mortgages Non-Owner Occupied - 30 Years 5/1 ARM	8.125%	-	8.437%	30 Years
Details Adjustable Rate (5/1 ARM); Non-Owner Occupied; Max LTV: 85%; Loan Fee: 2.000%; P&I Pmt based on $100,000: ($742.50) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Investment Property Mortgage - 30 Years 5/1 ARM	8.125%	-	8.437%	30 Years
Details Non-Owner Occupied; Max. LTV: 85%; Loan Fee: 2.000%; P&I Pmt Based on $100,000: ($640.31); Maximum Adjustable Rate Loan Amount $850,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Investment Mortgages - 30 Years Fixed	8.25%	-	8.565%	30 years
Details Non-Owner Occupied; Fixed Rate Maximum Loan Amount $832,750; Max. LTV: 85%; Loan Fee: 2.000%; P&I Pmt Based on $100,000: ($751.27) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Investment Mortgages Non-Owner Occupied - 30 Years Fixed	8.25%	-	8.565%	30 Years
Details Fixed Rate; Non-Owner Occupied; Max LTV: 85%; Loan Fee: 2.000%; P&I Pmt based on $100,000: ($751.27) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Investment Property Mortgage - 30 Years Fixed	8.25%	-	8.565%	30 Years
Details Non-Owner Occupied; Max. LTV: 85%; Loan Fee: 2.000%; P&I Pmt Based on $100,000: ($648.60); Maximum Fixed Rate Loan Amount $766,550 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Northwest Plus Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Closed End Equity Loans - 15 Year Term	7.75%	-	7.892%	15 Year
Details Max Amount: $100,000; Max LTV: 80%* (80% of AVM or 80% of Appraisal); Loan Fee: 0.500% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.89% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
HELOC	8.00%	-	8.104%	20 Year
Details Max Amount: $100,000; Max LTV: 80%; Loan Fee: 0.000%; P&I Pmt Based on $100,000: ($836.44); 5 year draw period, 15 year repayment period; LTV Maximum - 80% of AVM or 80% of Appraisal; Rates effective as of 10/08/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
HELOC Home Equity Line of Credit	8.00%	-	8.104%	20 Year
Details Max Amount: $100,000; Max LTV: 80%; Loan Fee: 0.000%; P&I Pmt Based on $100,000: ($836.44); 5 year draw period, 15 year repayment period; LTV Maximum - 80% of AVM or 80% of Appraisal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.10% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Line of Credit	8.00%	-	8.104%	20 Year
Details Max Amount: $100,000; Max LTV: 80%* (LTV Maximum - 80% of AVM or 80% of Appraisal); Loan Fee: 0.000%; P&I Pmt Based on $100,000: ($836.44); 5 year draw period, 15 year repayment period Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 8.76% → 8.10% ▼ 0.66 pts · high 8.76% / low 8.10% Oct 14, 20268.10%▼ from 8.76%* Oct 10, 20268.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Closed End Equity Loans	8.00%	-	8.162%	20 Years
Details Max Amount: $100,000; Max LTV: 90%; Loan Fee: 0.750%; P&I Pmt Based on $100,000: ($836.44) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.16% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
HELOC	8.25%	-	8.426%	20 Year
Details Max Amount: $100,000; Max LTV: 90%; Loan Fee: 0.500%; P&I Pmt Based on $100,000: ($852.07); 5 year draw period, 15 year repayment period; HELOC Plus program; Rates effective as of 10/08/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
HELOC Home Equity Line of Credit	8.25%	-	8.426%	20 Year
Details Max Amount: $100,000; Max LTV: 90%; Loan Fee: 0.500%; P&I Pmt Based on $100,000: ($852.07); HELOC Plus program; 5 year draw period, 15 year repayment period Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Line of Credit	8.25%	-	8.426%	20 Year
Details Max Amount: $100,000*; HELOC Plus program; Max LTV: 90%; Loan Fee: 0.500%; P&I Pmt Based on $100,000: ($852.07); 5 year draw period, 15 year repayment period Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 8.76% → 8.43% ▼ 0.34 pts · high 8.76% / low 8.43% Oct 14, 20268.43%▼ from 8.76%* Oct 10, 20268.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Closed End Equity Loans	8.50%	-	8.703%	20 Years
Details Max Amount: $250,000; Max LTV: 90%; Loan Fee: 0.750%; P&I Pmt Based on $100,000: ($867.82) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
HELOC	8.75%	-	8.967%	20 Year
Details Max Amount: $250,000; Max LTV: 90%; Loan Fee: 0.750%; P&I Pmt Based on $100,000: ($883.71); 5 year draw period, 15 year repayment period; HELOC Plus program; Rates effective as of 10/08/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
HELOC Home Equity Line of Credit	8.75%	-	8.967%	20 Year
Details Max Amount: $250,000; Max LTV: 90%; Loan Fee: 0.750%; P&I Pmt Based on $100,000: ($883.71); HELOC Plus program; 5 year draw period, 15 year repayment period Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Equity Line of Credit	8.75%	-	8.967%	20 Year
Details Max Amount: $250,000*; HELOC Plus program; Max LTV: 90%; Loan Fee: 0.750%; P&I Pmt Based on $100,000: ($883.71); 5 year draw period, 15 year repayment period Last Updated 10/14/2026 Rate History 1 change since Oct 10, 2026 · 8.76% → 8.97% ▲ 0.20 pts · high 8.97% / low 8.76% Oct 14, 20268.97%▲ from 8.76%* Oct 10, 20268.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Northwest Plus Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - Intro Rate for New Members	-	-	3.50%	12 months
Details New members only; new money only; must apply within 30 days of joining and close within 30 days of application; new or used vehicle purchase or refinance; after 12 months rate adjusts to regular qualifying rate (currently 4.49% to 12.74%) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
New Cars - Purchase & Refinance	-	-	4.49%
Details Lowest APR 4.49%; Highest APR 12.74%; New cars, model year 2024 and newer; Rates effective as of 05/27/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
New Cars Loan	-	-	4.49%
Details As Low As; Auto Rates Purchase & Refinance; Lowest APR; Model year 2024 and newer; New money only Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Used Cars - Purchase & Refinance	-	-	4.99%
Details Vehicle Loans - Used Cars; Highest APR: 12.74%; Final rate determined on credit score and loan term; Rates effective as of 05/27/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Used Cars Loan	-	-	4.99%
Details As Low As; Auto Rates Purchase & Refinance; Lowest APR Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Used Cars Vehicle Loans - Purchase & Refinance	-	-	4.99%
Details Lowest Annual Percentage Rate: 4.99%; Highest Annual Percentage Rate: 12.74% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
New Cars - NW Plus Internal Refinance	-	-	5.49%
Details Lowest APR 5.49%; Highest APR 13.74%; New cars, model year 2024 and newer; Rates effective as of 05/27/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Used Cars Vehicle Loans - NW Plus Internal Refinance	-	-	5.99%
Details Lowest Annual Percentage Rate: 5.99%; Highest Annual Percentage Rate: 13.74% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Northwest Plus Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat & RV Loan	-	7.75%
Details Recreational Vehicles Vehicle Loans; Lowest Annual Percentage Rate 7.75%; Highest Annual Percentage Rate 12.75%; Final rate determined on credit score and loan term Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Motorcycle & Snowmobile Loan	-	7.75%
Details Recreational Vehicles Vehicle Loans; Lowest Annual Percentage Rate 7.75%; Highest Annual Percentage Rate 12.75%; Final rate determined on credit score and loan term Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Recreational Vehicles - Boat & RV Loan	-	7.75%
Details Lowest APR 7.75%; Highest APR 12.75%; Purchase & Refinance; Vehicle Loans; Rates effective as of 05/27/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Recreational Vehicles - Motorcycle & Snowmobile Loan	-	7.75%
Details Lowest APR 7.75%; Highest APR 12.75%; Vehicle Loans; Rates effective as of 05/27/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Northwest Plus Credit Union Personal Loan Rates

Product	APR	Term
Personal Term Loan	8.99%	Up to 72 Months
Details Lowest APR 8.99% to Highest APR 17.99%; Final rate determined on credit score and loan term Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Personal Line of Credit - Unsecured revolving line of credit	10.50%
Details Lowest APR: 10.50%; Highest APR: 17.50%; Final rate determined on credit score and loan term; To refinance an existing NW Plus CU Loan, please call for rates Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

Northwest Plus Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
High Balance Owner Occupied Loan	8.00%	-	8.146%	30 Years
Details Max. LTV: 95%; Loan Fee: 0.500%; P&I Pmt based on $100,000: ($733.76); Maximum Loan Amount $1,063,750 - Snohomish/King/Pierce County Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 8.27% → 8.15% ▼ 0.13 pts · high 8.27% / low 8.15% Oct 10, 20268.15%▼ from 8.27% Sep 30, 20268.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
High Balance Owner Occupied Loan	7.50%	-	7.722%	15 years
Details Max. LTV: 95%; Loan Fee: 0.500%; P&I Pmt based on $100,000: ($927.01); Maximum Loan Amount $1,063,750 - Snohomish/King/Pierce County Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 7.85% → 7.72% ▼ 0.13 pts · high 7.85% / low 7.72% Oct 6, 20267.72%▼ from 7.85% Sep 30, 20267.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Improvement Loan	-	-	7.99%
Details Loan Amount: Up to $10,000; Final rate determined on credit score and loan term; Rates effective as of 05/27/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Home Improvement Loan	-	-	8.49%
Details Loan Amount: Up to $25,000; Final rate determined on credit score and loan term; Rates effective as of 05/27/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Land Loans	8.00%	-	8.314%	15 Years
Details Max. LTV: 75%; Loan Fee: 1.000%; Maximum Loan Amount $300,000; Purchase & No Cash-Out Refinance only; Maximum of 10 acres; Zoned either Residential or Recreation Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 8.44% → 8.31% ▼ 0.13 pts · high 8.44% / low 8.31% Oct 2, 20268.31%▼ from 8.44% Sep 30, 20268.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Land Loans	8.50%	-	8.763%	20 Years
Details Max. LTV: 75%; Loan Fee: 1.000%; Maximum Loan Amount $300,000; Purchase & No Cash-Out Refinance only; Maximum of 10 acres; Zoned either Residential or Recreation Last Updated 10/14/2026 Rate History 1 change since Sep 30, 2026 · 8.89% → 8.76% ▼ 0.13 pts · high 8.89% / low 8.76% Oct 2, 20268.76%▼ from 8.89% Sep 30, 20268.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
Kasasa Saver Savings	2.00%	-	2.02%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Balance: Up to $100,000; Qualifying balance up to $100,000 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
SMART Youth Saving	5.00%	-	5.09%
Min Balance $5 Details Qualifying balance up to $500 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 5.09% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%
SMART Youth Saving	0.15%	-	0.15%
Min Balance $5 Details Balance: over $500; Minimum balance: $5.00 Last Updated 10/14/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.16%

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

Northwest Plus Credit Union’s Texas Ratio fell from 3.69% in Q3 2023 to 3.16% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$315M	3.16%	5.0	A+
March 31, 2026	$318M	0.98%	5.0	A+
December 31, 2025	$315M	3.04%	5.0	A+
September 30, 2025	$313M	4.55%	5.0	A+
June 30, 2025	$308M	2.14%	5.0	A+
March 31, 2025	$312M	2.68%	5.0	A+
December 31, 2024	$301M	3.97%	5.0	A+
September 30, 2024	$301M	2.47%	5.0	A+
June 30, 2024	$300M	2.15%	5.0	A+
March 31, 2024	$305M	1.86%	5.0	A+
December 31, 2023	$299M	3.61%	5.0	A+
September 30, 2023	$297M	3.69%	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 Northwest Plus 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 Northwest Plus 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 Northwest Plus Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Northwest Plus Credit Union

Website https://nwpluscu.com

Address 2821 Hewitt Ave, Everett, WA 98201

Phone 425-297-1000

Fax 425-297-1071

President Gary Heilman

CEO Torrie Ramos

Full-Time Employees 52

Part-Time Employees 2

Branch Locations 6

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.16%

Return on Assets (ROA)

0.3370%

Return on Equity (ROE)

2.4858%

Non-Performing Loans Ratio (NPL)

0.80%

Total Assets

315,236,789

Total Amount of Shares and Deposits

273,843,865

Total Shares and Deposits < 1 Year

266,507,843

Total Shares and Deposits 1 3 Years

6,832,026

Total Shares and Deposits > 3 Years

503,996

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

35,214,688

Total Uninsured Shares and Deposits > $250K (F+J)

35,214,688

Total Insured Shares and Deposits > $250K (item 17 less item K)

238,629,177

Total Interest Expense (Sum of items 6 8)

1,315,549

Share Certificates

1,108

Number of Accounts for Share Drafts

10,925

IRA KEOGH Accounts

244

Number of Accounts for Regular Shares

16,239

Money Market Shares

517

Net Income (unless the amount is already included in Undivided Earnings)

1,062,380

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)

34,828,454

Total Liabilities

276,685,148

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Northwest Plus Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Northwest Plus Credit Union

How many branches does Northwest Plus Credit Union operate?

Northwest Plus 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 Northwest Plus Credit Union?

Yes, to access services at Northwest Plus 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, Northwest Plus 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, Northwest Plus Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Northwest Plus Credit Union offer online and mobile banking?

Most modern institutions like Northwest Plus 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://nwpluscu.com.

Current Northwest Plus Credit Union Rates

12-Month CD3.03%
24-Month CD3.54%
60-Month CD3.03%
Savings0.25%
MMA1.76%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Northwest Plus Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Northwest Plus Credit Union Texas Ratio

Northwest Plus Credit Union Health Trend

Northwest Plus Credit Union CD Rates

Northwest Plus Credit Union Savings Rates

Northwest Plus Credit Union Business Savings Rates

Northwest Plus Credit Union Money Market Rates

Northwest Plus Credit Union Checking Rates

Northwest Plus Credit Union Business Checking Rates

Northwest Plus Credit Union Mortgage Rates

Northwest Plus Credit Union Home Equity & HELOC

Northwest Plus Credit Union Auto Loan Rates

Northwest Plus Credit Union RV, Boat and Powersport Loan Rates

Northwest Plus Credit Union Personal Loan Rates

Northwest Plus Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Northwest Plus Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Northwest Plus Credit Union

How many branches does Northwest Plus Credit Union operate?

Is a member application needed to join Northwest Plus Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Northwest Plus Credit Union offer online and mobile banking?

Current Northwest Plus Credit Union Rates

Compare to Other Credit Unions