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NMLS ID: 644618

©2004 Northwest United Federal Credit Union
©2004 Web Architects :
Exposure International, LLC


Frequently Asked Questions

FAQ categories

> Direct Deposit
> Loans

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How do I join the Northwest United Federal Credit Union?

Visit Membership Services to see if you are eligible to join Northwest United Federal Credit Union.

If you are already a member, your family - brothers, sisters, grandparents, siblings, children by marriage or adoption are eligible for membership. Once you are a member, you are a member for life.

You are also eligible to be a member if you are an employee or your family, brothers, sisters, grandparents; children by marriage or adoption are an employee of a Select Employee Group that is a member of Northwest United Federal Credit Union.

Why do I need to maintain a $25 balance in savings?

As a condition of membership a minimum balance of $25 must be maintained in the primary savings account at all times.

If there are not sufficient funds in your checking account to cover a check or a fee, funds will be pulled from the primary savings and will not take the account below $25.

What is the difference between balance and available balance?

Balance is the amount currently in the account. Available balance is the balance minus all holds. Holds can include Visa check card or ATM transactions, and some deposited items.

How can I access my accounts using this site?

You can access your accounts by using Online Homebanking on our website. Enter your password and pin number. If you do not have your password and pin numbers set up, contact Membership Services or call 303-424-5037 ext 160.

I have tried to log into my account several times with the wrong password and now I am locked out. What should I do?

If someone tries to access an account too many times with the wrong password or pin number, the account will be denied access for your protection. Contact Members Services 303-424-5037 ext 160. We will get your password reset. Your security is our main concern.

What can I do with Northwest United’s online banking system?

  • Review account balances
  • Transfer funds
  • Obtain interest/dividend tax information
  • Check IRA & CD accounts
  • Apply for loans
  • Reorder checks
  • Retrieve account history
  • Make loan payments
  • Download account history
  • More services are being added all the time.

How much does online banking cost me?

Nothing, it is free to our members.

How do I enable cookies on my browser?

To enable Cookies on your PC, start by accessing the Internet on your computer. On the top toolbar, click on the Tools option to view the drop-down menu. From there, select Internet Options and click on the Security tab. Then select the Custom Level button, and a list of security settings should appear. Find the cookies section on this list, and please be sure that you enable both per session cookies and cookies to be stored.

**Please be aware that depending on the type of browser you use, some of the terminology may be slightly different.

How do I delete temporary Internet files for my browser?

To delete the temporary Internet files on your PC, start by accessing the Internet. On the top toolbar, click on the Tools menu to view the drop-down menu. From there, select Internet Options and click Delete Temporary Internet Files. Other browsers will have a similar procedure for deleting temporary files; see your user's manual for instructions.

To ensure that you are seeing the most up to date information on the Northwest United website, temporary files should be deleted regularly. Web pages and graphics are stored in temporary files as you view them in order to speed up the display of pages you frequently visit or have already seen. They are not needed after that viewing so you can delete them without worry.

You visited through a bookmark or favorites

Bookmarks can get stale, if you clicked on a bookmark or a favorite to reach you may experience difficulties. If so, delete the bookmark or favorite and actually type in the web address,

What browser versions do you recommend for viewing your site?

Our web site is best-viewed using Internet Explorer browser version 5.5 or higher or Netscape browser version 6.0 or higher. If you are using an older version please go directly to your browser's home page to download the upgrade, and follow the instructions provided there. Northwest United is unable to assist you with this process, so please contact the specific browser technical support staff if you experience any problems with the download.

I tried to reorder checks online but the system would not accept my order.

You must call us to reorder checks if you:

  • Changed your address since the last time you ordered checks online
  • Haven’t ordered checks online within the last 2 years
  • Haven’t ever ordered checks through Northwest United
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Direct Deposit

What is Direct Deposit?

Direct Deposit is a safe and easy way to have your money deposited directly into your Northwest United account. Direct Deposit allows a company or organization to electronically deposit money to your account on a scheduled basis. So instead of taking the time to cash a check yourself, the money will automatically be deposited into your account on the appointed date. It’s that simple!

Why should I use Direct Deposit?

Direct Deposit offers you many advantages over checks, including:

  • Convenience: No more special trips to the credit union to cash your check.
  • Reliability: No more waiting for your check to arrive in the mail. You can have peace of mind knowing your money will always be in your account on time.
  • Security: No more worrying about lost, stolen, or misplaced checks.
  • Flexibility: At Northwest United, your Direct Deposit payment can be automatically distributed into multiple accounts, such as your share draft checking or share savings account, a Holiday account, or a loan account. You can also have money distributed into your child or other family members’ accounts automatically.

How can I be sure my direct deposit was made?

Normally, the payer will give you a payment stub or notice that lets you know the amount of the payment deposited to your account. You can also go to and log onto our online banking system or use the Telephone Teller to check the status of your deposits 24 hours a day, seven days a week. The deposit will also be shown on your monthly statement. TIP: Keep the stub from the payer for your records.

When can I access the money deposited into my account?

Your money will be available for you the morning of the payment date.

How do I begin using Direct Deposit?

Ask your payer if they offer Direct Deposit. If they do, simply tell them you want to sign up for the service and they will provide you with the forms and instructions to get started. Northwest United can help you complete any authorization forms.

Can I change my direct deposit at any time?

Yes. You are in control of your direct deposit.

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How long is a pre-approval auto loan good for?

A pre-approval auto loan is valid for 30 days. This time usually gives members enough time to find the Car, Truck, Van or SUV they are looking for. If you need more time, just contact us at 303 424 5037 ext122 or

How does Northwest United's overdraft protection plan work?

If a check comes through and you do not have enough money in your checking account to cover it we will first look at your primary savings account or your Line of Credit (LOC). If you have available funds in either account they will be transferred over to cover the check.

If there are not sufficient funds in the savings or LOC to cover the check Northwest United may, at our discretion, pay the check and charge a $25 fee.

I made a purchase with my Visa Check Card yesterday. Why hasn't’t the transaction cleared my account yet?

The delay in posting visa check card transactions depends upon how often the merchant processes his/her debit card transactions. Northwest United has no control over how quickly these items post. A hold is placed on your account for the amount of the purchase when the merchant swipes your card, the transaction itself will usually post within 1-5 days depending on when the merchant processes it. Once it posts you will be able to see the description of the purchase online

What are secured loans?

Loans that are secured by some type of collateral such as a car, boat, house, etc.

What is revolving credit?

A loan that can be used, paid off, and used over and over again like a credit card or a line of credit.

What is simple interest?

Simple interest means you only pay interest for the length of time you have the loan. For example, if you took out a 5-year loan but paid it off in 3 years, you would only be charged interest for 3 years.

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Home Equity Line of Credit

How much equity do I have in my house?

If you own your home, even if you recently purchased it or refinanced it, you probably owe less that what its market value is. The difference between what you owe and what your home is worth is called equity.

How does a Home Equity Line of Credit (HELOC) Work?

A HELOC is easy to use. Let’s say your house is worth $150,000.00 and you recently borrowed 60% of its value or $90,000.00. A Northwest United HELOC allows you to borrow up to 80% of your home’s value, less the balance on your 1st mortgage. Since you have a loan for 80% of your home’s value, you still have another 20% left for a HELOC, or $30,000.00.

Do I have to use a HELOC for home repairs or remodeling?

No. You can use your line of credit for any purpose, including but not limited to home remodeling. Many people use their line of credit to pay for college tuition, vacations, weddings, automobiles, RV’s etc.

Is the interest on my HELOC tax deductible?

Most of the time, the interest on your home equity line of credit is tax deductible, however, we cannot guarantee whether yours is or not. Check with your tax advisor to make sure.

Do I need to use the entire amount of my HELOC at once?

No. The home equity line of credit is exactly that, a line of credit. You choose how much or how little to use, when to use it and what to use it for.

How much interest will I be charged to use my HELOC and how much will my monthly payments be?

Northwest United HELOCs are currently available at very competitive rates. You may draw on the funds from your line of credit for up to 7 years and the payback period is up to 15 years.

How can I find out more about Northwest United’s HELOC?

Simple. Call one of our Loan Officers at 303-424-5037 for more information, to check current rates, or to apply. You may also apply online at

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