Savings & Checking Accounts at Northwest Community Credit Union

Min. to Open	Rates
$10	Up to 0.05% APY	View rates

Min. to Open	Rates
$1	Up to 0.05% APY	View rates

Min. to Open	Rates
$250	Up to 0.10% APY	View rates

Min. to Open	Rates
$1	Up to 5.00% APY	View rates

Qualifications	Interest Rates	Annual Percentage Yield
Qualifications Met*	0.250%	0.25% APY	View rates
Qualifications Not Met*	0.000%	0.00% APY	View rates

Qualifications	Interest Rates	Annual Percentage Yield*
Minimum to open $100 Monthly service charge $20 To waive the monthly service charge, you need either: $50,000 in average combined balances from NWCU checking, savings, and Money Market accounts $100,000 in average combined balances from NWCU checking, savings, Money Market, CDs and IRA CDs.	0.499%	0.50% APY	View rates

Interest	Annual Percentage Yield
0.000%	0.00% APY	View rates

IRA/Traditional CD Option	Minimum Balance	Interest Rate	Annual Percentage Yield
11-month CD special	$500+	3.928%	4.00%

Term Lengths	Min to Open	Rates
3–60 months	$500	1.00% to 2.00% APY Range	View rates

Term Lengths	Min to Open	Rate
24 months	$500	1.95% APY	View rates

Min. to Open	Rates
$1,000	0.50% to 0.65% APY	View rates

Min. to Open	Rates
$1,000	0.55% to 0.70% APY	View rates

Min. to Open	Rates
$1,000	0.55% to 1.50% APY	View rates

Term Lengths	Min. to Open	Rate
12 months	$25	2.40% APY	View rates and Official Rules

Min to Open	Rate
$250	Up to 0.10% APY	View rates

Min to Open	Rate
$2,500	0.55% to 0.70% APY	View rates

Min to Open	Term Lengths
$500	3 months to 60 months	View rates

Min to Open	Term Lengths
$500	24 months	View rates

Balance	Rates
$0.01 to $99.99	0.000% interest rate	0.00% APY	View rates
$100+	0.050% Interest Rate	0.05% APY	View rates

Qualifications	Rates
Qualifications Met*	0.250% Interest Rate	0.25% APY	View rates
Qualifications Not Met*	0.000% Interest Rate	0.00% APY	View rates

Term Lengths	Balance	Rates
12 months	$100+	2.472% Interest Rate	2.50% APY	View Rates

Account	Balance	Interest Rate	Annual Percentage Yield
Regular Share Youth Share Tomorrow Share Pledged Share	$0 to $99.99	0.000%	0.00%
Regular Share Youth Share Tomorrow Share Pledged Share	$100+	0.050%	0.05%
No Dividend Shares	$0.01+	0.000%	0.00%
IRA Savings - Traditional & Roth	$0.01+	0.000%	0.10%

Truth-In-Savings Disclosures

Except as specifically described, the following disclosures apply to all savings accounts:

Rate Information. The Interest Rate and Annual Percentage Yield on your Share accounts are set forth above. For IRA Savings, the Interest Rate and Annual Percentage Yield are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Regular Shares, Youth Shares, Pledged Share and Tomorrow Shares are tiered rate accounts. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. For interest-bearing accounts, the Interest Rate may change monthly as determined by the Board of Directors.
Interest: Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day and will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.
Balance Information. The minimum deposit to open your Share account is $10.
National Credit Union Administration (NCUA) Federal Deposit Insurance. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

Level Up Northwest Savings Account Rates

Rates effective Since January 10, 2023

Account	Qualifying Loan*	Interest Rate	Annual Percentage Yield
Level Up Northwest Savings	1 qualifying loan	0.995%	1.00%
	2 qualifying loans	1.982%	2.00%
	3 qualifying loans	2.960%	3.00%
	4 qualifying loans	3.928%	4.00%
	5 qualifying loans	4.889%	5.00%
	No qualifying loans	0.050%	0.05%

*Qualifying loans include consumer loans (excluding Upstart Loans) in good standing with balances over $10,000 and up to one (1) mortgage loan per tax reporting owner on the last day of the prior month; up to five (5) qualifying loans.

Truth-In-Savings Disclosures for Savings Accounts

Except as specifically described, the following disclosures apply to all of the accounts:

Rate Information. The rate is determined by the number of qualifying loans held on the last day of the prior month. During the month in which the account is opened, the account will earn the “No qualifying loans” rate until the end of the month. Beginning on the 1st day of the following month, the rate associated with the number of qualifying loans will take effect and earned for the remainder of the month. Additionally, when an additional qualifying loan is opened, the Level Up rate will be updated the 1st day of the month following the month the qualifying loan was opened.
Interest: Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day and will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.
Balance Information. The minimum deposit to open your Share account is $10.
Federally insured by NCUA.

Certificate Option	Balance	Interest Rate	Annual Percentage Yield
3-month CD	$500+	0.995%	1.00%
6-month CD	$500+	2.570%	2.60%
12-month CD	$500+	2.472%	2.50%
18-month CD	$500+	2.129%	2.40%
24-month CD	$500+	2.031%	2.05%
36-month CD	$500+	2.031%	2.05%
48-month CD	$500+	1.982%	2.00%
60-month CD	$500+	1.982%	2.00%

Truth-In-Savings Disclosure

Except as specifically described, the following disclosures apply to all of the accounts:

Rate Information. The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
Compounding and Crediting. Interest will be compounded and credited monthly.
Balance Information. The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Interest. Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.
Transaction Limitations. For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.
Maturity. Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.
1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.
2. How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
  1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment.
  3. Traditional and Inherited IRA CD owners who have an IRS mandated Required Minimum Distribution (RMD) would be allowed an annual penalty free withdrawal to satisfy the RMD for funds held only at Northwest Community Credit Union. Any amount exceeding the Northwest Community RMD calculation based on funds at Northwest Community Credit Union would be subject to the credit union’s early withdrawal penalty.
Renewal Policy Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
National Credit Union Administration (NCUA) Federal Deposit Insurance. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

CD Option	Minimum Balance	Interest Rate	Annual Percentage Yield
Bump-Up CD (25 month)	$500+	2.472%	2.50%
Bump-Up CD (37 month)	$500+	1.094%	1.10%
Bump-Up CD (49 month)	$500+	1.342%	1.35%
Bump-Up CD (61 month)	$500+	1.588%	1.60%

Truth-in-Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

Rate Information. The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
Bump Interest Rate Information. You may choose to update or "Bump" the Interest Rate and Annual Percentage Yield on a 25-month certificate to the prevailing Interest Rate of the NWCU 24-month certificate. The 37-month certificate can be updated to the prevailing Interest Rate of the NWCU 36-month certificate. The 49-month certificate can be updated to the prevailing Interest Rate of the NWCU 48-month certificate. The 61-month certificate can be updated to the prevailing Interest Rate of the NWCU 60-month certificate. The "Bump" option can only be exercised once during the term of the certificate. The updated or bumped Interest Rate will become effective within three business days after we receive your notice. The new Interest Rate will not be applied retroactively.
Compounding and Crediting. Interest will be compounded and credited monthly.
Balance Information. The minimum opening balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.
Accrual of Interest. Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.
Transaction Limitations. For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.
Maturity. Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.
1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows:
  terms 90 days to 11 months - 90 days,
  terms 12 months and over - 180 days.
2. How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
  1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.
Renewal Policy. Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
National Credit Union Administration (NCUA) Federal Deposit Insurance. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

Account	Balance	Interest Rate	Annual Percentage Yield
Northwest Checking and Northwest Secure Checking	Qualification met*	0.250%	0.25%
Northwest Checking and Northwest Secure Checking	Qualification not met*	0.000%	0.00%
Northwest Passage Checking	$0+	0.000%	0.00%
Executive Checking	$0.01 - $999.99	0.499%	0.50%
	$1,000 - $4,999.99	0.499%	0.50%
	$5,000 - $9,999.99	0.499%	0.50%
	$10,000 - $24,999.99	0.499%	0.50%
	$25,000+	0.499%	0.50%

*To meet the qualifications to earn interest on the Northwest Checking Account, you must meet all monthly qualifications: 1) Ten (10) settled debit card transactions; 2) active enrollment in eStatements. APY or Annual Percentage Yield of 0.25% is limited to the first $5,000.

**Please see a list of our Fees and Charges for more information.

Truth-In-Savings Disclosures

Except as specifically described, the following disclosures apply to all checking accounts:

Rate Information. The Interest Rate and Annual Percentage Yield on your Checking accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly at the discretion of the credit union.
Interest: Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day and will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.
Balance Information. The minimum opening deposit to open an Executive Checking account is $100 and $40 for all other checking accounts. Interest is calculated by the daily balance method that applies a daily periodic rate to the daily principal in the account.
National Credit Union Administration (NCUA) Federal Deposit Insurance. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above. If you have any questions, please call the Credit Union at 1-800-452-9515.

This Rate Schedule sets forth current conditions and rates, applicable to your Checking Accounts at Northwest Community Credit Union at this time. The Credit Union may offer other rates or amend the rates contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Rate Schedule and acknowledges that it is a part of the Membership and Account Agreement.

CD Option	Minimum Balance	Interest Rate	Annual Percentage Yield
Variable Rate Add-On CD (24 month)	$500+	1.933%	1.95%

Truth-in-Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

Rate Information. The available Interest Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
Variable Interest Rate Information. The variable rate may be adjusted on the first day of each calendar quarter. The rate will be determined by credit union management.
Compounding and Crediting. Interest will be compounded and credited monthly.
Balance Information. The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Interest. Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.
Transaction Limitations You may make unlimited additional deposits to your account. There is no minimum to each additional deposit. You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.
Maturity. Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.
1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.
2. How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
  1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment.
  3. Traditional and Inherited IRA CD owners who have an IRS mandated Required Minimum Distribution (RMD) would be allowed an annual penalty free withdrawal to satisfy the RMD for funds held only at Northwest Community Credit Union. Any amount exceeding the Northwest Community RMD calculation based on funds at Northwest Community Credit Union would be subject to the credit union’s early withdrawal penalty.
Renewal Policy Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
National Credit Union Administration (NCUA) Federal Deposit Insurance. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Variable Rate Add-on Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

Account	Balance	Interest Rate	Annual Percentage Yield
Super Investor's Money Market Account	$1,000 to $4,999.99	0.499%	0.50%
	$5,000 to $9,999.99	0.499%	0.50%
	$10,000 to $24,999.99	0.499%	0.50%
	$25,000 to $49,999.99	0.499%	0.50%
	$50,000 to $99,999.99	0.499%	0.50%
	$100,000 to $249,999.99	0.648%	0.65%
	$250,000+	0.648%	0.65%
Super Investor's IRA Account	$1,000 to $4,999.99	0.549%	0.55%
	$5,000 to $9,999.99	0.549%	0.55%
	$10,000 to $24,999.99	0.549%	0.55%
	$25,000 to $49,999.99	0.549%	0.55%
	$50,000 to $99,999.99	0.549%	0.55%
	$100,000 to $249,999.99	0.698%	0.70%
	$250,000+	0.698%	0.70%
Executive Money Market Account & Executive IRA Money Market Account	$1,000 - $4,999.99	0.549%	0.55%
	$5,000 - $9,999.99	0.549%	0.55%
	$10,000 - $24,999.99	0.549%	0.55%
	$25,000 - $49,999.99	0.549%	0.55%
	$50,000 - $99,999.99	0.747%	0.75%
	$100,000 - $249,999.99	1.391%	1.40%
	$250,000+	1.490%	1.50%

Truth-In-Savings Disclosure

Rate Information. The Interest Rate and Annual Percentage Yield on your Checking accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate for a particular tier will apply to the entire account balance if the account balance is within the balance range for that tier. The Interest Rate may change monthly at the discretion of the credit union.
Interest: Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day and will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.
Balance information. The minimum balance is $1,000.00.
National Credit Union Administration (NCUA) Federal Deposit Insurance. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).The rates appearing in this Schedule are accurate and effective as of the Effective Date indicated above. If you have any questions, please call the Credit Union at 1-800-452-9515.

Account	Balance	Interest Rate	Annual Percentage Yield
IRA 3 month CD	$500+	1.094%	1.10%
IRA 6 month CD	$500+	2.667%	2.70%
IRA 12 month CD	$500+	2.570%	2.60%
IRA 18 month CD	$500+	2.227%	2.25%
IRA 24 month CD	$500+	2.129%	2.15%
IRA 36 month CD	$500+	2.129%	2.15%
IRA 48 month CD	$500+	2.080%	2.10%
IRA 60 month CD	$500+	2.080%	2.10%

*Please see a list of our Service Fees and Charges for more information.

Truth-In-Savings Disclosure

Except as specifically described, the following disclosures apply to all of the accounts:

Rate Information. The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
Compounding and Crediting. Interest will be compounded and credited monthly.
Balance Information. The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Interest. Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.
Transaction Limitations. For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.
Maturity. Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.
1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.
2. How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
  1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment.
  3. Traditional and Inherited IRA CD owners who have an IRS mandated Required Minimum Distribution (RMD) would be allowed an annual penalty free withdrawal to satisfy the RMD for funds held only at Northwest Community Credit Union. Any amount exceeding the Northwest Community RMD calculation based on funds at Northwest Community Credit Union would be subject to the credit union’s early withdrawal penalty.
Renewal Policy Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
National Credit Union Administration (NCUA) Federal Deposit Insurance. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

CD Option	Interest Rate	Annual Percentage Rate
25 Month IRA Bump-Up CD	2.472%	2.50%
37 Month IRA Bump-Up CD	1.094%	1.10%
49 Month IRA Bump-Up CD	1.342%	1.35%
61 Month IRA Bump-up CD	1.588%	1.60%

Truth-in-Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

Rate Information. The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
Bump Interest Rate Information. You may choose to update or "Bump" the Interest Rate and Annual Percentage Yield on a 25-month certificate to the prevailing Interest Rate of the NWCU 24-month certificate. The 37-month certificate can be updated to the prevailing Interest Rate of the NWCU 36-month certificate. The 49-month certificate can be updated to the prevailing Interest Rate of the NWCU 48-month certificate. The 61-month certificate can be updated to the prevailing Interest Rate of the NWCU 60-month certificate. The "Bump" option can only be exercised once during the term of the certificate. The updated or bumped Interest Rate will become effective within three business days after we receive your notice. The new Interest Rate will not be applied retroactively.
Compounding and Crediting. Interest will be compounded and credited monthly.
Balance Information. The minimum opening balance for all Certificates is $500. Interest is calculated by the daily balance method that applies a daily periodic rate to the principal in the account each day.
Accrual of Interest. Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.
Transaction Limitations. For Certificate accounts, after your account is opened, you may not make additional deposits or withdrawals to your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.
Maturity. Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.
1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows:
  terms 90 days to 11 months - 90 days,
  terms 12 months and over - 180 days.
2. How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
  1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment; or where the account is an IRA and the owner attains the age of 59 and a half; or becomes disabled.
Renewal Policy. Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
National Credit Union Administration (NCUA) Federal Deposit Insurance. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

CD Option	Interest Rate	Annual Percentage Yield
24 month IRA Add-On CD	2.031%	2.05%

Truth-in-Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

Rate Information. The available Interest Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
Variable Interest Rate Information. The variable rate may be adjusted on the first day of each calendar quarter. The rate will be determined by credit union management.
Compounding and Crediting. Interest will be compounded and credited monthly.
Balance Information. The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Interest. Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.
Transaction Limitations You may make unlimited additional deposits to your account. There is no minimum to each additional deposit. You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.
Maturity. Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.
1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.
2. How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
  1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment.
  3. Traditional and Inherited IRA CD owners who have an IRS mandated Required Minimum Distribution (RMD) would be allowed an annual penalty free withdrawal to satisfy the RMD for funds held only at Northwest Community Credit Union. Any amount exceeding the Northwest Community RMD calculation based on funds at Northwest Community Credit Union would be subject to the credit union’s early withdrawal penalty.
Renewal Policy Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
National Credit Union Administration (NCUA) Federal Deposit Insurance. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Variable Rate Add-on Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

CD Option	Interest Rate	Annual Percentage Yield
12 month Youth Add-on CD	2.472%	2.50%

Truth-In-Savings Disclosure

Except as specifically described, the following disclosures apply to all of the accounts:

Rate Information. The available Interest Rates and Annual Percentage Yields on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Interest Rate and Annual Percentage Yield are fixed and will be in effect for the term of the Account. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
Compounding and Crediting. Interest will be compounded and credited monthly.
Balance Information. The minimum balance for all Certificates is $500. Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Interest. Interest begins to accrue on cash and noncash (i.e. checks) deposits on the business day you make the deposit to your account. Fees may reduce earnings.
Transaction Limitations You may make unlimited additional deposits to your account. There is no minimum to each additional deposit. You may not make withdrawals from your account, except during the grace period when the account is renewed for an additional term. At account opening, you may elect to have accrued interest transferred to another account of yours.
Maturity. Your account will mature within the term set forth above or maturity date set forth on your Account Receipt or Renewal Notice.
Early Withdrawal Penalty. We may impose a penalty if you withdraw any of the principal before the maturity date.
1. Amount of Penalty. The amount of the early withdrawal penalty is based on the term of your account as follows: terms of 90 days to 11 months - 90 days, terms of 12 months and over - 180 days.
2. How the Penalty Works. The penalty is calculated as a forfeiture of part of the Interest that has been or would be earned on the account. It applies whether or not the interest has been earned. In other words, if the account has not yet earned enough interest or if the interest has already been paid, the penalty will be deducted from the principal.
3. Exceptions to Early Withdrawal Penalties. At our option, we may pay the account before maturity without imposing an early withdrawal penalty under the following circumstances:
  1. When an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
  2. Where the account is an Individual Retirement Account (IRA) and any portion is paid within seven (7) days after establishment.
  3. Traditional and Inherited IRA CD owners who have an IRS mandated Required Minimum Distribution (RMD) would be allowed an annual penalty free withdrawal to satisfy the RMD for funds held only at Northwest Community Credit Union. Any amount exceeding the Northwest Community RMD calculation based on funds at Northwest Community Credit Union would be subject to the credit union’s early withdrawal penalty.
Renewal Policy Your account will automatically renew for another term upon maturity at the prevailing rate. You have a grace period of seven (7) days after maturity in which to withdraw funds in the account without being charged an early withdrawal penalty.
Nontransferable/Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner, except obligations with the Credit Union.
National Credit Union Administration (NCUA) Federal Deposit Insurance. Balances are insured up to $250,000 through the National Credit Union Share Insurance Fund (NCUSIF), a federal fund backed by the full faith and credit of the United States government as administered by the National Credit Union Administration (NCUA).

The rates appearing in this Schedule are accurate and effective for Certificate Accounts as of the Effective Date indicated above. If you have any questions or require current rate information on your accounts, please call the Credit Union at (800) 452-9515.

CD Option	Interest	Annual Percentage Yield
Save to Win CD	2.374%	2.40%

The basics:

Members must be 18 or older and a resident of Save to Win participating states.
Minimum balance is $25.
Every $25 deposited counts as an entry for the monthly and quarterly drawings. This can be cumulative and doesn't need to be deposited in exact $25 increments.
You can deposit as many times as you'd like each month or all at once, but you can only earn 100 drawing entries per month, per member.
You can make a maximum of one (1) withdrawal during the 12-month period; this will have a $25 fee. Amount withdrawn will affect your entries for the month.
Any money you win from the prize drawings is yours and will be disbursed into your primary savings account. It may be subject to tax reporting.
Odds of winning depend on number of entries received. Sponsor: Northwest Community Credit Union, PO Box 10607, Eugene, OR 97440. For a full list of rules, check out our Official Rules for important information.

Truth-In-Savings Disclosure

Except as specifically described, the following disclosures apply to all of the accounts:

Save to Win Certificate of Deposit: Each Save to Win® Certificate requires an initial deposit of $25.00 and account holders may make additional deposits into that certificate throughout its term. The initial deposit and all subsequent deposits mature 12 months after the date that the initial deposit is made. Each account holder is limited to one Save to Win® Certificate.
Rate Information. The available Interest Rate and Annual Percentage Yield on your accounts are set forth above. The Annual Percentage Yield is a percentage rate that reflects the total amount of interest to be paid on an account based on the Interest Rate and frequency of compounding for an annual period. The Annual Percentage Yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
Compounding and Crediting: Interest on the 12-Month Save to Win® Certificate will be compounded and credited monthly.
Minimum Balance Requirements: The minimum balance requirement for the certificate is $25.00.
Balance Computation Method: Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Accrual of Interest: Dividends will begin to accrue on non-cash deposits (e.g. checks) on the business day you make the deposit to your account. Fees may reduce earnings.
Early Withdrawal & Penalty: During the term of the Save to Win® Certificate, account holders will be allowed to make one withdrawal from the account, with a $25.00 penalty to be assessed at the time of withdrawal. If the early withdrawal reduces the principal below the minimum balance or a second withdrawal is performed in the 12-month term, the certificate will be closed. The credit union will deduct from the principal amount to cover the penalty.
Exceptions to Early Withdrawal Penalties: At our option, we may pay the account before maturity without imposing an early withdrawal penalty when an account owner dies or is determined legally incompetent by a court or other body of competent jurisdiction.
Transaction Limitations: Additional deposits are allowed during the term of this certificate. For every $25.00 increase in month over month balance, the certificate owner will earn one entry (up to 100 entries per month/300 entries per quarter) into the savings raffle. The Savings Promotion Raffle begins on January 1 and ends December 31, however certificates will mature 12 months after account opening. The Official Rules can be found online at www.savetowin.org and are provided upon opening the certificate.
Renewal Policy: This account type will automatically renew at maturity if the balance in the Save to Win is greater than $25.00. The certificate will renew as a 12-month Save to Win® Certificate, with the (APY) being what is stated as our current 12-month rate. If the balance in the certificate is less than $25.00 or if account holders choose not to renew the certificate, the funds will be transferred to the account holder’s regular shares account at the credit union. You will receive a notice from the credit union 30 days prior to your certificate’s maturity. You will have a seven (7) day grace period after maturity to withdraw funds without being charged an early withdrawal penalty.

*One (1) entry for every $25 increase in the monthly balance for the member in a Qualifying Certificate Account at month's end, with a maximum of one hundred (100) entries per month, per member.

Personal Checking Monthly Fees
Northwest Checking	Free
Northwest Secure Checking	$4.00
Essential Checking (with eStatements)	$8.00
Essential Checking (if not signed up for eStatements)	$9.00

Related Checking Fees (personal or business)
Stop payment, per item, per range or sequence	$28.00
Paid or returned overdraft (NSF) fee, per item (check, ACH, or Bill Pay)	$28.00
Overdraft transfer fee, per occurrence	$3.00

Automated Teller Machines (ATM)*
Withdrawal/inquiry at non-CO-OP network ATM	$1.50
New card issuance and anniversary date thereafter	$10.00

* Surcharge fees assessed by other institution may be charged to your account.

Credit/Debit Cards
Copies of charge slips (per transaction)	$10.00
Replace card	$5.00
Emergency card issuance	$50.00

Wire Transfers
Direct wire transfers inside the USA	$25.00
Direct wire transfers outside the USA	$55.00

Miscellaneous
Membership fee	$10.00
Paper State service charge	$2.00/each
Closing checking or savings within 180 days of opening account	$15.00
Inactive checking (no activity has occurred on a checking account for 90 days with a balance of less than $1,000)	$5.00 per month
Dormant account fee (no activity on any of your accounts for more than one year)	$5.00 per month
Single service fee (member only has savings account with less than $100 and is age 19 or older)	$5.00 per month
Undeliverable or incorrect statement address	$5.00
Foreign item fee	$25.00
Garnishment processing fee (per item)	$50.00
Research, copies, or account reconciliation, per half hour ($5 minimum)	$15.00
Returned checks on another person's account at another institution	$10.00
Returned checks on your account at another institution	$25.00
Phone loan payment using non-NWCU card	$10.00
Expedited title fee	$15.00
Cashier's checks (first check per day is free)	$2.00 per check
Declaration of loss (cashier's check)	$25.00
Check cashing (member only has savings account with less than $100 and is age 19 or older)	10% of check or $10 maximum
Skip payment request (via eBanking)	$30.00
Skip payment request (via branch)	$40.00

Please refer to the rate schedules for Savings, Checking, and Certificate Accounts for dividend and interest rates and annual percentage yields. Service fees and charges are subject to change without prior notice. Service fees and charges are not applicable to youth accounts. This schedules of fees and charges is part of your Membership and Account Agreement.

Federally insured by NCUA.

Account	Qualifying Loan*	Interest Rate	Annual Percentage Yield
Level Up Northwest Savings	1 qualifying loan	0.995%	1.00%
	2 qualifying loans	1.982%	2.00%
	3 qualifying loans	2.960%	3.00%
	4 qualifying loans	3.928%	4.00%
	5 qualifying loans	4.889%	5.00%
	No qualifying loans	0.050%	0.05%

*Qualifying loans include consumer loans (excluding Upstart Loans) in good standing with balances over $10,000 and up to one (1) mortgage loan per tax reporting owner on the last day of the prior month; up to five (5) qualifying loans.

Truth-In-Savings Disclosures

Except as specifically described, the following disclosures apply to all of the accounts:

Rate Information. The rate is determined by the number of qualifying loans held on the last day of the prior month. During the month in which the account is opened, the account will earn the “No qualifying loans” rate until the end of the month. Beginning on the 1st day of the following month, the rate associated with the number of qualifying loans will take effect and earned for the remainder of the month. Additionally, when an additional qualifying loan is opened, the Level Up rate will be updated the 1st day of the month following the month the qualifying loan was opened.
Interest: Interest is calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day and will be compounded and credited monthly. The interest period begins on the first calendar day of the month and ends on the last calendar day of the month. Interest will begin to accrue on cash deposits and non-cash deposits (e.g. checks) on the business day you make the deposit to your account. You will not be paid accrued interest if you close your account before interest is credited. Fees may reduce earnings.
Balance Information. The minimum deposit to open a Level Up Northwest Savings account is $1.
Federally insured by NCUA.

Save & Spend

The Pacific Northwest knows how to save for a rainy day.

Keep more than your money safe with Northwest Secure Checking.

It's never too early.

Open a Sprout Savings account to get your kids comfortable with how money works.