Credit union · NCUA insured
Northwest Federal Credit Union CD Rates
Northwest Federal Credit Union’s best CD rate is 4.25% APY on a 5-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Northwest Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Northwest Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northwest Federal Credit Union
4.25%APY
- Term
- 5 months
- Minimum
- $1,000
- Earns on $10,000
- $175
Community 5 Month Certificate
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Northwest Federal Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.15%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Northwest Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Community 5 Month Certificate
4.25%APY · 1 term
Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsExclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus | 4.25% | $175 |
Sources (1)
- nwfcu.org/files/certificates-disclosure.pdf · captured Oct 4, 2026
Founders 9 Month Certificate
4.00%APY · 1 term
Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsExclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus | 4.00% | $299 |
Sources (1)
- nwfcu.org/files/certificates-disclosure.pdf · captured Oct 4, 2026
Regular Certificates
Up to 3.65%APY · 10 terms
A $1,000 minimum deposit is required for all certificates. Dividends are posted and compounded monthly. Dividend rates remain fixed for the term of the certificate. Promotional certificates are not eligible for dividend bonus rate.
| Term | APY · $1,000 – $99,999 | APY · $100,000 – $249,999 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.05% | 0.05% | 0.05% | 0.05%0.05% $100k–$250k0.05% from $250k | $1 |
| 6 months | 0.11% | 0.11% | 0.11% | 0.11%0.11% $100k–$250k0.11% from $250k | $5 |
| 10 months | 3.40% | 3.50% | 3.50% | 3.40%3.50% $100k–$250k3.50% from $250k | $283 |
| 11 months | 3.40% | 3.50% | 3.50% | 3.40%3.50% $100k–$250k3.50% from $250k | $311 |
| 12 months | 3.65% | 3.75% | 3.75% | 3.65%3.75% $100k–$250k3.75% from $250k | $365 |
| 18 months | 3.15% | 3.25% | 3.25% | 3.15%3.25% $100k–$250k3.25% from $250k | $476 |
| 24 months | 3.15% | 3.25% | 3.25% | 3.15%3.25% $100k–$250k3.25% from $250k | $640 |
| 36 months | 3.15% | 3.25% | 3.25% | 3.15%3.25% $100k–$250k3.25% from $250k | $975 |
| 48 months | 3.15% | 3.25% | 3.25% | 3.15%3.25% $100k–$250k3.25% from $250k | $1,321 |
| 60 months | 3.15% | 3.25% | 3.25% | 3.15%3.25% $100k–$250k3.25% from $250k | $1,677 |
Sources (3)
- nwfcu.org/files/certificates-disclosure.pdf
- nwfcu.org/files/nwfcu-deposit-rate-sheet.pdf
- nwfcu.org/checking-savings/certificates
All captured Oct 4, 2026
Special-purpose accounts
Savings Momentum 13-Month Certificate
4.50%APY · 1 term
Available for Regular and IRA Certificates at any NWFCU branch and/or online. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for dividend bonus rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsAvailable for Regular and IRA Certificates. Certificate funds must be new-to-Northwest. Promotional certificate is not eligible for dividend bonus rate | 4.50% | $488 |
Sources (3)
All captured Oct 4, 2026
Summer Sizzler 15-Month Certificate
4.50%APY · 1 term
Available for Regular and IRA Certificates at any NWFCU branch and/or online. Certificate funds must be new-to-Northwest. Promotional certificate is not eligible for dividend bonus rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsAvailable for Regular and IRA Certificates. Certificate funds must be new-to-Northwest. Promotional certificate is not eligible for dividend bonus rate | 4.50% | $566 |
Sources (2)
All captured Oct 4, 2026
Make Your Move 30-Month Certificate
4.15%APY · 1 term
Available for Regular and IRA Certificates at any NWFCU branch and/or online. Certificate funds must be new-to-Northwest. Promotional certificate is not eligible for dividend bonus rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsAvailable for Regular and IRA Certificates. Certificate funds must be new-to-Northwest. Promotional certificate is not eligible for dividend bonus rate | 4.15% | $1,070 |
Sources (2)
All captured Oct 4, 2026
IRA Certificates
Up to 3.90%APY · 10 terms
Designed for Individual Retirement Accounts; consumer accounts only. A $1,000 minimum deposit is required. Dividends are posted and compounded monthly. Dividend rates remain fixed for the term of the certificate. Promotional certificates are not eligible for dividend bonus rate.
| Term | APY · $1,000 – $99,999 | APY · $100,000 – $249,999 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.05% | 0.05% | 0.05% | 0.05%0.05% $100k–$250k0.05% from $250k | $1 |
| 6 months | 0.11% | 0.11% | 0.11% | 0.11%0.11% $100k–$250k0.11% from $250k | $5 |
| 10 months | 3.65% | 3.75% | 3.75% | 3.65%3.75% $100k–$250k3.75% from $250k | $303 |
| 11 months | 3.65% | 3.75% | 3.75% | 3.65%3.75% $100k–$250k3.75% from $250k | $334 |
| 12 months | 3.90% | 4.00% | 4.00% | 3.90%4.00% $100k–$250k4.00% from $250k | $390 |
| 18 months | 3.40% | 3.50% | 3.50% | 3.40%3.50% $100k–$250k3.50% from $250k | $514 |
| 24 months | 3.40% | 3.50% | 3.50% | 3.40%3.50% $100k–$250k3.50% from $250k | $692 |
| 36 months | 3.40% | 3.50% | 3.50% | 3.40%3.50% $100k–$250k3.50% from $250k | $1,055 |
| 48 months | 3.40% | 3.50% | 3.50% | 3.40%3.50% $100k–$250k3.50% from $250k | $1,431 |
| 60 months | 3.40% | 3.50% | 3.50% | 3.40%3.50% $100k–$250k3.50% from $250k | $1,820 |
Sources (3)
- nwfcu.org/files/nwfcu-deposit-rate-sheet.pdf
- nwfcu.org/files/nwfcu-individual-retirement-accounts.pdf
- nwfcu.org/checking-savings/certificates
All captured Oct 4, 2026
Who can join Northwest Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, members, and volunteers of over 600 partner businesses and community organizations nationwide are eligible for membership.
Military, government and schools
- Employees or members of several federal government agencies are eligible for membership.
Family and household
- Immediate family members (spouse, children, siblings, parents, grandparents) and household members (sharing residence and living expenses) of eligible members are eligible to join.
Cost to join
- Membership requires opening a primary savings account.
Membership information collected October 4, 2026.