Rates

APY = Annual Percentage Yield. Rates effective as of March 1, 2025. Fees may reduce earnings.

Kasasa Cash* Learn More

Account Balance Minimum Opening Deposit Dividend Rate APY
up to $25,000 $25 5.00% 5.12%
$25,000+ $25 0.20% 5.12% -1.18%
Qualifications not met NA 0.03% 0.03%
up to $25,000
Minimum Opening Deposit$25
Dividend Rate5.00%
APY5.12%
$25,000+
Minimum Opening Deposit$25
Dividend Rate0.20%
APY5.12% -1.18%
Qualifications not met
Minimum Opening DepositNA
Dividend Rate0.03%
APY0.03%

Qualifications: Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle

  • At least 12 debit card purchases
  • Be enrolled in and log into online banking
  • Be enrolled in and have agreed to receive e-statements rather than paper statements
  • Maintain a valid email address on record with the credit union

Kasasa Saver* Learn More

Account Balance Minimum Opening Deposit Dividend Rate APY
Up to $100,000 $0 2.00% 2.02%
$100,000+ $0 1.00% 2.02% to 1.51%
Qualifications not met $0 0.03% 0.03%
Up to $100,000
Minimum Opening Deposit$0
Dividend Rate2.00%
APY2.02%
$100,000+
Minimum Opening Deposit$0
Dividend Rate1.00%
APY2.02% to 1.51%
Qualifications not met
Minimum Opening Deposit$0
Dividend Rate0.03%
APY0.03%

Qualifications: Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle

  • At least 12 debit card purchases
  • Be enrolled in and log into online banking
  • Be enrolled in and agreed to receive e-statements rather than paper statements
  • Maintain a valid email address on record with credit union

 

 

Checking Accounts Learn More

Account Minimum Balance Dividend Rate Annual Percentage Yield
Kasasa Cash Back* $0 0.00% 0.00%
Basic Checking $0 0.00% 0.00%
Direct Checking $0 0.03% 0.03%
Smart Checking (Youth) $0 0.00% 0.00%
Free Business Checking $0 0.00% 0.00%
Premium Business Checking $5,000 0.10% 0.10%
Kasasa Cash Back*
Minimum Balance$0
Dividend Rate0.00%
Annual Percentage Yield0.00%
Basic Checking
Minimum Balance$0
Dividend Rate0.00%
Annual Percentage Yield0.00%
Direct Checking
Minimum Balance$0
Dividend Rate0.03%
Annual Percentage Yield0.03%
Smart Checking (Youth)
Minimum Balance$0
Dividend Rate0.00%
Annual Percentage Yield0.00%
Free Business Checking
Minimum Balance$0
Dividend Rate0.00%
Annual Percentage Yield0.00%
Premium Business Checking
Minimum Balance$5,000
Dividend Rate0.10%
Annual Percentage Yield0.10%
  • The Credit Union reserves the right to change the posted rates to reflect market conditions and other factors.
  • Fees may reduce earnings.
  • $5 is required to open savings account to obtain membership.
  • *Rewards checking account that offers Cash Back rewards when certain monthly qualifications are met.

 

 

Savings Accounts Learn More

Account Minimum Balance Dividend Rate Annual Percentage Yield
Regular Savings $5.00 to earn interest 0.25% 0.25%
Regular Business Savings $5.00 0.25% 0.25%
Smart Savings (Youth) $5.00

5.00% on balances up to $500

0.15% on balances over $500

5.09% on balances up to $500

0.15% on balances over $500
Club Accounts $0.00 1.00% 1.00%

Money Market

$2,000 - $9,999

 $2,000 0.70% 0.70%
Money Market

$10,000 - $24,999

 

 $10,000 0.85% 0.85%
Money Market

$25,000 - over

 

 $25,000 1.00% 1.00%
Premium Money Market

$50,000 - $99,999

 

 $50,000 1.25% 1.26%
Premium Money Market

$100,000 - $249,999

 

$100,000

 1.50% 1.51%
Premium Money Market

$250,000 - over*

 

 $250,000 1.75% 1.76%
Regular Savings
Minimum Balance$5.00 to earn interest
Dividend Rate0.25%
Annual Percentage Yield0.25%
Regular Business Savings
Minimum Balance$5.00
Dividend Rate0.25%
Annual Percentage Yield0.25%
Smart Savings (Youth)
Minimum Balance$5.00
Dividend Rate

5.00% on balances up to $500

0.15% on balances over $500

Annual Percentage Yield

5.09% on balances up to $500

0.15% on balances over $500

Club Accounts
Minimum Balance$0.00
Dividend Rate1.00%
Annual Percentage Yield1.00%

Money Market

$2,000 - $9,999

Minimum Balance$2,000
Dividend Rate0.70%
Annual Percentage Yield0.70%
Money Market

$10,000 - $24,999

 

Minimum Balance$10,000
Dividend Rate0.85%
Annual Percentage Yield0.85%
Money Market

$25,000 - over

 

Minimum Balance$25,000
Dividend Rate1.00%
Annual Percentage Yield1.00%
Premium Money Market

$50,000 - $99,999

 

Minimum Balance$50,000
Dividend Rate1.25%
Annual Percentage Yield1.26%
Premium Money Market

$100,000 - $249,999

 

Minimum Balance

$100,000

Dividend Rate1.50%
Annual Percentage Yield1.51%
Premium Money Market

$250,000 - over*

 

Minimum Balance$250,000
Dividend Rate1.75%
Annual Percentage Yield1.76%
  • The Credit Union reserves the right to change the posted rates to reflect market conditions and other factors.
  • Fees may reduce earnings.
  • $5 is required to open savings account to obtain membership.
  • *Funds on deposit over $250,000 may not be insured by NCUA

Certificates of Deposit Learn More

Certificate Term Minimum Deposit Interest Rate Annual Percentage yield
6 Month $500 4.00% 4.06%
12 Month** $500 4.00% 4.06%
24 Month** $500 3.00% 3.03%
36 Month $500 2.00% 2.01%
48 Month $500 2.00% 2.01%
60 Month $500 2.00% 2.01%
6 Month
Minimum Deposit$500
Interest Rate4.00%
Annual Percentage yield4.06%
12 Month**
Minimum Deposit$500
Interest Rate4.00%
Annual Percentage yield4.06%
24 Month**
Minimum Deposit$500
Interest Rate3.00%
Annual Percentage yield3.03%
36 Month
Minimum Deposit$500
Interest Rate2.00%
Annual Percentage yield2.01%
48 Month
Minimum Deposit$500
Interest Rate2.00%
Annual Percentage yield2.01%
60 Month
Minimum Deposit$500
Interest Rate2.00%
Annual Percentage yield2.01%
  • All certificates of deposit require a $500 minimum deposit.
  • Early withdrawal penalties may apply for all Certificates of Deposit /IRAs.
  • These rates are indications only.
  • The CU reserves the right to change the posted rates to reflect market conditions and other factors.
  • The APY column reflects the impact of compounding on annual basis and is required to be given under T-I-S.
  • **12 and 24 Month Certificates have a bump feature that allows for one bump in interest rate during the term of the CD. Promotional rates excluded.

Loans Learn More

Loan Lowest Annual Percentage Rate Highest Annual Percentage Rate

Kasasa Auto Loans-New

Purchase & Refinance

Internal Refinance

 

4.99%

5.99%

 

11.99%

12.99%

Kasasa Auto Loans-Used

Purchase & Refinance

Internal Refinance

 

5.24%

6.24%

 

12.24%

13.24%
Boat & RV Loans

New & Used, Purchase & Refinance. New Money Only.

 7.75% 12.75%
Motorcycles & Snowmobiles 7.75% 12.75%

Kasasa Personal Loan

Up to $7,500

$7,501 to $15,000

$15,001+

 

 

 9.50%

 10.50%

 11.50%

 

 16.50%

 17.50%

 18.00%
Timeline Loan

Unsecured revolving line of credit; attached to checking

  9.50%   16.50%

Home Improvement Loan

up to $10,000

  8.50%   8.50%

Home Improvement Loan

up to $25,000

  9.00%  9.00%

Share Secured

  Call for Rate  Call for Rate

ITIN Lending

 Call for additional Info

Kasasa Auto Loans-New

Purchase & Refinance

Internal Refinance

Lowest Annual Percentage Rate

 

4.99%

5.99%

Highest Annual Percentage Rate

 

11.99%

12.99%

Kasasa Auto Loans-Used

Purchase & Refinance

Internal Refinance

Lowest Annual Percentage Rate

 

5.24%

6.24%

Highest Annual Percentage Rate

 

12.24%

13.24%

Boat & RV Loans

New & Used, Purchase & Refinance. New Money Only.

Lowest Annual Percentage Rate7.75%
Highest Annual Percentage Rate12.75%
Motorcycles & Snowmobiles
Lowest Annual Percentage Rate7.75%
Highest Annual Percentage Rate12.75%

Kasasa Personal Loan

Up to $7,500

$7,501 to $15,000

$15,001+

 

Lowest Annual Percentage Rate

 

 9.50%

 10.50%

 11.50%

Highest Annual Percentage Rate

 

 16.50%

 17.50%

 18.00%

Timeline Loan

Unsecured revolving line of credit; attached to checking

Lowest Annual Percentage Rate 9.50% 
Highest Annual Percentage Rate 16.50%

Home Improvement Loan

up to $10,000

Lowest Annual Percentage Rate 8.50% 
Highest Annual Percentage Rate 8.50%

Home Improvement Loan

up to $25,000

Lowest Annual Percentage Rate 9.00%
Highest Annual Percentage Rate 9.00%

Share Secured

Lowest Annual Percentage Rate Call for Rate
Highest Annual Percentage Rate Call for Rate

ITIN Lending

Lowest Annual Percentage RateCall for additional Info
  • Loan based upon credit rating.
  • Rates subject to change without notice.
  • Rates subject to change based on term.
  • Please call for current rates and terms.
  • To refinance an existing NW Plus CU Loan, please call for rates.
  • 0.25% APR Reduction on New Electric/Hybrid Vehicles Loans. Other restrictions may apply.

Equity Loan Program Learn More

Term Note Rate APR Max LTV Loan Fee P&I Pmt Based on $100,000 
Equity Line of Credit - 20 Year Term          
HELOC - $100,000 Max 8.000% 8.093%  80%*  0.000%  ($836.44)
HELOC Plus - $100,000 Max 8.250% 8.414%  90%  0.500%  ($852.07)
HELOC Plus - $250,000 Max 8.750% 8.956%  90%  0.750%  ($883.71)
Closed End Equity - 15 Year Term          
Closed End Equity -$100,000 Max 7.750% 7.879%  80%*  0.500%  ($941.28)
Closed End Equity Plus - 20 Year Term          
Closed End Equity Plus - $100,000 Max 8.000%  8.151%  90%  0.750%  ($836.44)
Closed End Equity Plus - $250,000 Max 8.500%  8.692%  90%  0.750%  ($867.82)
Equity Line of Credit - 20 Year Term
Note Rate 
APR 
Max LTV 
Loan Fee 
P&I Pmt Based on $100,000  
HELOC - $100,000 Max
Note Rate8.000%
APR8.093%
Max LTV 80%*
Loan Fee 0.000%
P&I Pmt Based on $100,000  ($836.44)
HELOC Plus - $100,000 Max
Note Rate8.250%
APR8.414%
Max LTV 90%
Loan Fee 0.500%
P&I Pmt Based on $100,000  ($852.07)
HELOC Plus - $250,000 Max
Note Rate8.750%
APR8.956%
Max LTV 90%
Loan Fee 0.750%
P&I Pmt Based on $100,000  ($883.71)
Closed End Equity - 15 Year Term
Note Rate 
APR 
Max LTV 
Loan Fee 
P&I Pmt Based on $100,000  
Closed End Equity -$100,000 Max
Note Rate7.750%
APR7.879%
Max LTV 80%*
Loan Fee 0.500%
P&I Pmt Based on $100,000  ($941.28)
Closed End Equity Plus - 20 Year Term
Note Rate 
APR 
Max LTV 
Loan Fee 
P&I Pmt Based on $100,000  
Closed End Equity Plus - $100,000 Max
Note Rate8.000%
APR 8.151%
Max LTV 90%
Loan Fee 0.750%
P&I Pmt Based on $100,000  ($836.44)
Closed End Equity Plus - $250,000 Max
Note Rate8.500%
APR 8.692%
Max LTV 90%
Loan Fee 0.750%
P&I Pmt Based on $100,000  ($867.82)
  • All rates are subject to change without notice.
  • We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
  • For additional rates, programs, and costs, please click here

*LTV Maximum - 80% of AVM or 80% of Appraisal

First Mortgage Fixed Rate Programs

Mortgage Program rates effective as of: 04/04/2025

Conventional Owner Occupied

Maximum Loan Amount $806,500

Term Note Rate APR Max LTV Loan Fee P&I Pmt Based on $100,000
30 Years 6.500% 6.619% 95% 0.500% ($632.07)
20 Year 5.875% 6.025% 95% 0.500% ($709.24)
15 Years 5.750% 5.937% 95% 0.500% ($830.41)
10 Years 5.500% 5.762% 95% 0.500% ($1,085.26)
30 Years USDA** 6.625% 6.746% 102% 0.500% ($640.31)

High Balance Owner Occupied

Maximum Loan Amount $1,037,300

Term Note Rate APR Max. LTV Loan Fee P&I Pmt Based on $100,000
30 Years 7.000% 7.125% 95% 0.500% ($665.30)
15 years 6.250% 6.443% 95% 0.500% ($857.42)
30 Years
Note Rate6.500%
APR6.619%
Max LTV95%
Loan Fee0.500%
P&I Pmt Based on $100,000($632.07)
20 Year
Note Rate5.875%
APR6.025%
Max LTV95%
Loan Fee0.500%
P&I Pmt Based on $100,000($709.24)
15 Years
Note Rate5.750%
APR5.937%
Max LTV95%
Loan Fee0.500%
P&I Pmt Based on $100,000($830.41)
10 Years
Note Rate5.500%
APR5.762%
Max LTV95%
Loan Fee0.500%
P&I Pmt Based on $100,000($1,085.26)
30 Years USDA**
Note Rate6.625%
APR6.746%
Max LTV102%
Loan Fee0.500%
P&I Pmt Based on $100,000($640.31)
Term
Note RateNote Rate
APRAPR
Max LTVMax. LTV
Loan FeeLoan Fee
P&I Pmt Based on $100,000P&I Pmt Based on $100,000
30 Years
Note Rate7.000%
APR7.125%
Max LTV95%
Loan Fee0.500%
P&I Pmt Based on $100,000($665.30)
15 years
Note Rate6.250%
APR6.443%
Max LTV95%
Loan Fee0.500%
P&I Pmt Based on $100,000($857.42)
  • *All rates are subject to change without notice.
  • **Purchase & Refinance Existing USDA Only
  • We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

First Mortgage Adjustable Rate Programs

Mortgage Program rates effective as of: 04/04/2025

Conventional - Owner Occupied

Maximum Loan Amount $850,000

3/1 ARM 6.000% 6.114% 95% 0.500% ($599.55)
5/1 ARM 6.125% 6.240% 95% 0.500%  ($607.61)
7/1 ARM 6.375% 6.501% 95% 0.500%  ($623.87)
30 Year Term Note Rate APR Max. LTV Loan Fee P&I Payment Based On $100,000

Welcome Home Loan: Primary Residence Purchase

Maximum Loan Amount $806,500**

5/1 ARM 6.125% 6.264% 100% 0.750% ($607.61)
7/1 ARM 6.375% 6.526% 100% 0.750% ($623.87)
30 Year Term Note Rate APR Max. LTV Loan Fee P&I Payment Based On $100,000

Adjustment Criteria:

Current Index: 1 YR T-Bill = 4.090%

NON5/1 1 Yr T-Bill 3.500% 2.000% 5.000% START RATE IS FLOOR RATE
ARM 3/1 1 Yr T-Bill 2.500% 2.000% 5.000%  
ARM 5/1 1 Yr T-Bill 2.500% 2.000% 5.000%  
ARM 7/1 1 Yr T-Bill 2.500% 2.000% 5.000%  
UP 1 Yr T-Bill 3.500% 2.000% 6.000% START RATE IS FLOOR RATE
Program No. Index Margin Annual Cap Life Cap  
5/1 ARM
6.000%6.125%
6.114%6.240%
95%95%
0.500%0.500% 
($599.55)($607.61)
7/1 ARM
6.000%6.375%
6.114%6.501%
95%95%
0.500%0.500% 
($599.55)($623.87)
30 Year Term
6.000%Note Rate
6.114%APR
95%Max. LTV
0.500%Loan Fee
($599.55)P&I Payment Based On $100,000
5/1 ARM
6.000%6.125%
6.114%6.264%
95%100%
0.500%0.750%
($599.55)($607.61)
7/1 ARM
6.000%6.375%
6.114%6.526%
95%100%
0.500%0.750%
($599.55)($623.87)
30 Year Term
6.000%Note Rate
6.114%APR
95%Max. LTV
0.500%Loan Fee
($599.55)P&I Payment Based On $100,000
NON5/1
6.000%1 Yr T-Bill
6.114%3.500%
95%2.000%
0.500%5.000%
($599.55)START RATE IS FLOOR RATE
ARM 3/1
6.000%1 Yr T-Bill
6.114%2.500%
95%2.000%
0.500%5.000%
($599.55) 
ARM 5/1
6.000%1 Yr T-Bill
6.114%2.500%
95%2.000%
0.500%5.000%
($599.55) 
ARM 7/1
6.000%1 Yr T-Bill
6.114%2.500%
95%2.000%
0.500%5.000%
($599.55) 
UP
6.000%1 Yr T-Bill
6.114%3.500%
95%2.000%
0.500%6.000%
($599.55)START RATE IS FLOOR RATE
Program No.
6.000%Index
6.114%Margin
95%Annual Cap
0.500%Life Cap
($599.55) 
  • *All rates are subject to change without notice.
  • We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
  • ARM = Adjustable Rate Mortgage
  • **Except in Snohomish/King/Pierce County - Maximum Loan Amount $1,037,300

Other First Mortgage Programs

Mortgage Program rates effective as of: 04/04/2025

Non-Owner Occupied: Fixed and Adjustable Rates

Maximum Loan Amount* **

Term Note Rate APR Max. LTV Loan Fee P&I Pmt Based on $100,000
30 Years Fixed 7.250% 7.534% 85% 2.000% ($682.18)
30 Years 5/1 ARM 6.875% 7.151% 85% 2.000% ($656.93)

Land Purchase

Maximum Loan Amount $300,000

Term Note Rate APR Max. LTV Loan Fee P&I Pmt Based on $100,000
15 Years 6.750% 7.031% 75% 1.000% ($884.91)
20 Years 7.250% 7.483% 75% 1.000% ($790.38)
30 Years Fixed
Note Rate7.250%
APR7.534%
Max. LTV85%
Loan Fee2.000%
P&I Pmt Based on $100,000 ($682.18)
30 Years 5/1 ARM
Note Rate6.875%
APR7.151%
Max. LTV85%
Loan Fee2.000%
P&I Pmt Based on $100,000 ($656.93)
Term
Note RateNote Rate
APRAPR
Max. LTVMax. LTV
Loan FeeLoan Fee
P&I Pmt Based on $100,000 P&I Pmt Based on $100,000
15 Years
Note Rate6.750%
APR7.031%
Max. LTV75%
Loan Fee1.000%
P&I Pmt Based on $100,000 ($884.91)
20 Years
Note Rate7.250%
APR7.483%
Max. LTV75%
Loan Fee1.000%
P&I Pmt Based on $100,000 ($790.38)
  • *All rates are subject to change without notice.
  • We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
  • *Maximum Fixed Rate Loan Amount $766,550
  • **Maximum Adjustable Rate Loan Amount $850,000
  • ARM = Adjustable Rate Mortgage