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NMLS ID: 644618

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

Savings Rates and Loan Rates

Deposit Rates Visa Cards Vehicle & Signature Rates Home Equity & 2nd Mortgages
IRAs Yield Plus / Money Market Fund Yield Plus / Money Market Checking Other Loans Loan Rates

Rates Effective: July 1, 2013*

*Rates are subject to change without notice, after this date.

Regular Share Savings 0.025% 0.025% monthly
Christmas Club Savings 0.050% 0.050% monthly
***Traditional IRA Shares 0.025% 0.025% monthly
***Roth IRA Shares 0.025% 0.025% monthly
***Educational IRA Shares 0.025% 0.025% monthly
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***Annual fee applies

Yield Plus (Money Market)

$2,500 Avg. Daily Balance rate paid last month 0.025% 0.025% monthly
$5,000 Avg. Daily Balance rate paid last month 0.050% 0.050% monthly
Projected Rate This Month:
$2,500 Avg. Daily Balance 0.025% 0.025% monthly
$5,000 Avg. Daily Balance 0.050% 0.050% monthly
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Yield Plus (Money Market Checking)


Projected Rate This Month:

$0 - $4,999 Deposit 0.050% 0.050% monthly
$5,000 - $19,999 Deposit 0.100% 0.100% monthly
$20,000 - $49,999 Deposit 0.150% 0.150% monthly
$50,000 + Deposit 0.200% 0.200% monthly
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Certificate of Deposit (CDs)
Share Certificates ($500 minimum); Traditional IRA ($500 minimum), Roth IRA ($500 minimum) & Education IRA ($400 minimum) Certificates

6 months 0.25% 0.25% monthly
12 months 0.35% 0.35% monthly
24 months 0.55% 0.55% monthly
36 months 0.75% 0.75% monthly
48 months 1.25% 1.26% monthly
60 months 1.50% 1.51% monthly

*Annual Percentage Rate
**Annual Percentage Yield - Fees may affect APY

Certificate rates are subject to change daily. The minimum certificate purchase is $500.00 for Non-IRA, Traditional and Roth IRAs and $400.00 for Education IRAs. An additional $100.00 must be maintained in the Regular Share Account or the applicable IRA Share Account during the entire term of the certificate. Dividends on all regular and IRA certificates are compounded within the certificate each month. The early withdrawal penalty for certificates of one year or less original maturity is all earned dividends up to a maximum of 3 months earnings. For certificates with original maturities longer than one year, the early withdrawal penalty is all dividends earned up to a maximum of 6 months earnings. Notice: Dividends are based on the credit union's earnings at the end of a dividend period and cannot be guaranteed.

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Visa Card Rates

Card Program Annual Percentage Rate for Purchases Annual Membership Fee Grace Period for Purchases
Visa Classic 13.95% (fixed) $0.00 25 Days***
Visa Classic "Choice" 11.95% (fixed) $25.00 25 Days***
Visa Gold 7.70% (variable)** $0.00 25 Days***
Visa Gold "Choice" 5.70% (variable)** $45.00 25 Days***

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Personalized Lending Rates

Loan rates are based on monthly income, stability of employment, credit history, current financial obligations and collateral offered. Rates shown are standard rates, as low as with approved credit.

Rates As Low As
New Vehicles Cars and Trucks


Used Vehicles Cars and Trucks 2.89%
Motorcycle Loans   4.50%
Recreational Vehicle Loans   4.50%
Signature Loans Loan Period
6 months 6.49%
12 months 6.99%
24 months 7.24%
36 months 7.49%
48 months, as low as 7.74%
60 months, as low as 7.99%
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Home Equity and Second Mortgage Loans

Rates As Low As
5 Year Fixed 2nd Mortgage Owner Occupied 3.99%
6 Year Fixed 2nd Mortgage Owner Occupied 4.14%
7 Year Fixed 2nd Mortgage Owner Occupied 4.19%

8 Year Fixed 2nd Mortgage

Owner Occupied 4.24%

9 Year Fixed 2nd Mortgage

Owner Occupied 4.29%

10 Year Fixed 2nd Mortgage

Owner Occupied 4.34%

11 Year Fixed 2nd Mortgage

Owner Occupied 4.39%

12 Year Fixed Mortgage

Owner Occupied 4.49%
15 Year Variable Line of Credit Home Equity Line of Credit
Prime plus or minus based on personalized lending
As low as 3.75%
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Loans Not Included in Personalized Lending

Share Draft Line of Credit 14.00% APR*
Share Secured Margin Variable Rate 1.75% Over Share Rate

Fixed Rate Floor: 2.89% Ceiling: 18.00%
Variable Rate Floor: 3.25% Ceiling: 18.00%

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* APR - Annual Percentage Rate


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