Credit union · NCUA insured
Pacific NW Federal Credit Union CD Rates
Pacific NW Federal Credit Union’s best CD rate is 4.00% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Pacific NW Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, OR-WA, where Pacific NW Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Pacific NW Federal Credit Union
4.00%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $231
Certificate
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
iQ Credit Union
4.50%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000
- $260
Pacific NW Federal Credit Union CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo2.20%
- 31–60 months31–60 mo2.40%
- QualifiedQualified4.00%
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 Pacific NW 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.
Certificate
Up to 4.00%APY · 8 terms
Early withdrawal penalty applies. Certificate account rates are fixed for the length of the term and determined by opening dollar amount. Minimum opening balance is $1,000 for members 19 and older ($100 for members 18 and younger). Deposits federally insured to $250,000 by NCUA.
| Term | APY · $100 – $9,999 | APY · $10,000 – $49,000 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsMaximum deposit of $250,000 per member | — | 3.50% | 3.50% | 3.50% | 3.50%3.50% $50k–$100k3.50% from $100k | $173 |
| 6 monthsMinimum opening deposit is $1,000 for members 19 and older ($100 for members 18 and younger). Maximum deposit of $250,000 per member | 3.50% | — | — | — | —3.50% $100–$10k | — |
| 7 monthsLimited-time special. Minimum opening deposit is $1,000 of external funds (new money only, not already on deposit with PNWFCU; $100 for Youth Certificates). Maximum deposit is $250,000 per member. Certificate is non-renewable | 4.00% | — | — | — | —4.00% $100–$10k | — |
| 7 monthsLimited-time special. Minimum opening deposit is $1,000 of external funds (new money only, not already on deposit with PNWFCU). Maximum deposit is $250,000 per member. Certificate is non-renewable | — | 4.00% | 4.00% | 4.00% | 4.00%4.00% $50k–$100k4.00% from $100k | $231 |
| 12 monthsMaximum deposit of $250,000 per member | — | 3.50% | 3.50% | 3.50% | 3.50%3.50% $50k–$100k3.50% from $100k | $350 |
| 12 monthsMinimum opening deposit is $1,000 for members 19 and older ($100 for members 18 and younger). Maximum deposit of $250,000 per member | 3.50% | — | — | — | —3.50% $100–$10k | — |
| 18 months | — | 1.95% | 1.95% | 1.95% | 1.95%1.95% $50k–$100k1.95% from $100k | $294 |
| 18 monthsMinimum opening balance for members 19 and older is $1,000 ($100 for members 18 and younger) | 1.95% | — | — | — | —1.95% $100–$10k | — |
| 24 months | — | 2.20% | 2.20% | 2.20% | 2.20%2.20% $50k–$100k2.20% from $100k | $445 |
| 24 monthsMinimum opening balance for members 19 and older is $1,000 ($100 for members 18 and younger) | 2.20% | — | — | — | —2.20% $100–$10k | — |
| 36 months | — | 2.30% | 2.30% | 2.30% | 2.30%2.30% $50k–$100k2.30% from $100k | $706 |
| 36 monthsMinimum opening balance for members 19 and older is $1,000 ($100 for members 18 and younger) | 2.30% | — | — | — | —2.30% $100–$10k | — |
| 48 months | — | 2.35% | 2.35% | 2.35% | 2.35%2.35% $50k–$100k2.35% from $100k | $974 |
| 48 monthsMinimum opening balance for members 19 and older is $1,000 ($100 for members 18 and younger) | 2.35% | — | — | — | —2.35% $100–$10k | — |
| 60 months | — | 2.40% | 2.40% | 2.40% | 2.40%2.40% $50k–$100k2.40% from $100k | $1,259 |
| 60 monthsMinimum opening balance for members 19 and older is $1,000 ($100 for members 18 and younger) | 2.40% | — | — | — | —2.40% $100–$10k | — |
Sources (3)
All captured Sep 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.00%APY · 8 terms
IRA accounts insured separately by NCUA up to $250,000. Early withdrawal penalty applies. Certificate account rates are fixed for the length of the term and determined by opening dollar amount. Minimum opening balance is $1,000 for members 19 and older ($100 for members 18 and younger).
| Term | APY · $100 – $9,999 | APY · $10,000 – $49,000 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsMaximum deposit of $250,000 per member | — | 3.50% | 3.50% | 3.50% | 3.50%3.50% $50k–$100k3.50% from $100k | $173 |
| 6 monthsMinimum opening deposit is $1,000 for members 19 and older ($100 for members 18 and younger). Maximum deposit of $250,000 per member | 3.50% | — | — | — | —3.50% $100–$10k | — |
| 7 monthsLimited-time special. Minimum opening deposit is $1,000 of external funds (new money only, not already on deposit with PNWFCU; $100 for Youth Certificates). Maximum deposit is $250,000 per member. Certificate is non-renewable | 4.00% | — | — | — | —4.00% $100–$10k | — |
| 7 monthsLimited-time special. Minimum opening deposit is $1,000 of external funds (new money only, not already on deposit with PNWFCU). Maximum deposit is $250,000 per member. Certificate is non-renewable | — | 4.00% | 4.00% | 4.00% | 4.00%4.00% $50k–$100k4.00% from $100k | $231 |
| 12 monthsMaximum deposit of $250,000 per member | — | 3.50% | 3.50% | 3.50% | 3.50%3.50% $50k–$100k3.50% from $100k | $350 |
| 12 monthsMinimum opening deposit is $1,000 for members 19 and older ($100 for members 18 and younger). Maximum deposit of $250,000 per member | 3.50% | — | — | — | —3.50% $100–$10k | — |
| 18 months | — | 1.95% | 1.95% | 1.95% | 1.95%1.95% $50k–$100k1.95% from $100k | $294 |
| 18 monthsMinimum opening balance for members 19 and older is $1,000 ($100 for members 18 and younger) | 1.95% | — | — | — | —1.95% $100–$10k | — |
| 24 months | — | 2.20% | 2.20% | 2.20% | 2.20%2.20% $50k–$100k2.20% from $100k | $445 |
| 24 monthsMinimum opening balance for members 19 and older is $1,000 ($100 for members 18 and younger) | 2.20% | — | — | — | —2.20% $100–$10k | — |
| 36 months | — | 2.30% | 2.30% | 2.30% | 2.30%2.30% $50k–$100k2.30% from $100k | $706 |
| 36 monthsMinimum opening balance for members 19 and older is $1,000 ($100 for members 18 and younger) | 2.30% | — | — | — | —2.30% $100–$10k | — |
| 48 months | — | 2.35% | 2.35% | 2.35% | 2.35%2.35% $50k–$100k2.35% from $100k | $974 |
| 48 monthsMinimum opening balance for members 19 and older is $1,000 ($100 for members 18 and younger) | 2.35% | — | — | — | —2.35% $100–$10k | — |
| 60 months | — | 2.40% | 2.40% | 2.40% | 2.40%2.40% $50k–$100k2.40% from $100k | $1,259 |
| 60 monthsMinimum opening balance for members 19 and older is $1,000 ($100 for members 18 and younger) | 2.40% | — | — | — | —2.40% $100–$10k | — |
Sources (2)
All captured Sep 15, 2026
Who can join Pacific NW Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to persons who live, work (or regularly conduct business in), volunteer, worship, or attend school in Clackamas, Columbia, Hood River, Multnomah, Washington, or Yamhill Counties in Oregon, or Clark or Skamania Counties in Washington, as well as businesses, organizations, and legal entities located there.
Employers and groups
- Employees of Pacific NW Federal Credit Union are eligible for membership.
Family and household
- Membership is available to immediate family or household members of current members, and spouses of persons who died while within the field of membership.
Membership information collected October 4, 2026.