Credit union · NCUA insured
Northwest Plus Credit Union CD Rates
Northwest Plus Credit Union’s best CD rate is 3.54% APY on a 2-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked September 16, 2026.
How Northwest Plus Credit Union’s CD rates compare
Compared with banks and credit unions near Seattle, WA, where Northwest Plus Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Northwest Plus Credit Union
1.91%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $992
Certificates of Deposit
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Northwest Plus Credit Union CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.03%
- 9–15 months9–15 mo3.03%
- 16–30 months16–30 mo3.54%
- 31–60 months31–60 mo3.54%
- QualifiedQualified3.54%
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 Plus 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.
Certificates of Deposit
Up to 3.54%APY · 7 terms
All certificates of deposit require a $500 minimum deposit. Early withdrawal penalties may apply for all Certificates of Deposit / IRAs. 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). Rates effective as of 05/27/2026.
| Term | APY · Up to $9,999 | APY · $500 and up | APY · $500 – $9,999 | APY · $10,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months | — | — | 0.15% | 0.50% | 0.55% | 0.50%0.15% $500–$10k0.55% from $100k | $12 |
| 3 monthsYouth certificates of deposit require a minimum deposit of $25 for 0-6 years of age, $50 for 7-12 years of age, and $100 for 13-18 years of age | 0.45% | — | — | — | — | —0.45% $25–$10k | — |
| 6 months | — | 3.03% | — | 0.70% | 0.75% | 3.03%0.70% $10k–$100k0.75% from $100k | $150 |
| 12 months | — | — | 1.00% | 1.05% | 1.10% | 1.05%1.00% $500–$10k1.10% from $100k | $105 |
| 12 monthsIncludes a bump feature that allows for one bump in interest rate during the term of the CD | — | 3.03% | — | — | — | 3.03% | $303 |
| 24 months | — | — | 1.31% | 1.36% | 1.41% | 1.36%1.31% $500–$10k1.41% from $100k | $274 |
| 24 monthsIncludes a bump feature that allows for one bump in interest rate during the term of the CD | — | 3.54% | — | — | — | 3.54% | $721 |
| 36 months | — | 3.54% | — | 1.56% | 1.66% | 3.54%1.56% $10k–$100k1.66% from $100k | $1,100 |
| 48 months | — | 3.29% | — | 1.61% | 1.71% | 3.29%1.61% $10k–$100k1.71% from $100k | $1,382 |
| 60 months | — | 3.03% | — | 1.91% | 2.02% | 3.03%1.91% $10k–$100k2.02% from $100k | $1,610 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
IRA CDs
Up to 3.54%APY · 7 terms
IRA CDs are available as Traditional and Roth IRA CDs and have the same terms and rates available as regular CDs. All certificates of deposit require a $500 minimum deposit. Early withdrawal penalties may apply for all Certificates of Deposit / IRAs. No setup fees, annual fees, or monthly maintenance fees.
| Term | APY · Up to $9,999 | APY · $500 and up | APY · $500 – $9,999 | APY · $10,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 3 months | 0.45% | — | — | 0.50% | 0.55% | 0.50%0.45% $25–$10k0.55% from $100k | $12 |
| 6 months | — | 3.03% | — | 0.70% | 0.75% | 3.03%0.70% $10k–$100k0.75% from $100k | $150 |
| 12 months | — | — | 1.00% | 1.05% | 1.10% | 1.05%1.00% $500–$10k1.10% from $100k | $105 |
| 12 monthsIncludes a bump feature that allows for one bump in interest rate during the term of the CD | — | 3.03% | — | — | — | 3.03% | $303 |
| 24 months | — | — | 1.31% | 1.36% | 1.41% | 1.36%1.31% $500–$10k1.41% from $100k | $274 |
| 24 monthsIncludes a bump feature that allows for one bump in interest rate during the term of the CD | — | 3.54% | — | — | — | 3.54% | $721 |
| 36 months | — | 3.54% | — | 1.56% | 1.66% | 3.54%1.56% $10k–$100k1.66% from $100k | $1,100 |
| 48 months | — | 3.29% | — | 1.61% | 1.71% | 3.29%1.61% $10k–$100k1.71% from $100k | $1,382 |
| 60 months | — | 3.03% | — | 1.91% | 2.02% | 3.03%1.91% $10k–$100k2.02% from $100k | $1,610 |
Sources (2)
All captured Sep 16, 2026
Who can join Northwest Plus Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, or worships in the State of Washington.
Cost to join
- A $5.00 deposit into a regular savings account is required to open an account and begin membership.
Membership information collected October 4, 2026.