Credit union · NCUA insured
Pacific NW Federal Credit Union Savings Rates
Pacific NW Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Pacific NW Federal Credit Union’s savings 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
0.25%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $25
Money Market
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
Pacific NW Federal Credit Union savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.25%
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 Pacific NW Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
OR First-Time Home Buyer Savings
1.00%APY
Limit of one First-Time Home Buyer Savings account per member. Deposits can be made up to 10 years after opening or until purchasing a house. Funds must be used to purchase a single-family home in Oregon within 10 years by account holder or qualified beneficiary (who cannot have owned/purchased a residence in the 3 years prior). Nonqualified withdrawals within 10 years are subject to a 5% penalty and tax addition.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (2)
All captured Sep 15, 2026
Money Market
0.25%APY
Dividends are compounded daily and paid monthly. Unlimited withdrawals, transfers, and deposits. No terms or penalties for early withdrawal.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $9,999 | 0.25% | — |
| $10,000 – $24,999 | 0.25% | $25 |
| $25,000 – $49,999 | 0.50% | — |
| $50,000 and up | 0.75% | — |
Sources (2)
All captured Sep 15, 2026
Savings (ages 18+)
0.10%APY
For ages 18+. $5 minimum balance to open and maintain membership. Dividends compounded and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Sep 15, 2026
Liberty Savings (no SSN or ITIN)
0.00%APY
For individuals with no SSN or ITIN.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.00% | $0 |
Sources (1)
- pnwfcu.org/accounts/deposit-rates · captured Sep 15, 2026
Special-purpose accounts
Edge Savings (ages 13-17)
0.10%APY
For ages 13-17.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- pnwfcu.org/accounts/deposit-rates · captured Sep 15, 2026
IRA Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- pnwfcu.org/accounts/deposit-rates · captured Sep 15, 2026
Kids Savings (ages up to 12)
0.10%APY
For ages up to 12.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- pnwfcu.org/accounts/deposit-rates · captured Sep 15, 2026
SEP Savings
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (1)
- pnwfcu.org/accounts/deposit-rates · 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.