Skip nav to main content.
Certificates

Invest in a sure thing

A certificate is one of the safest, most foolproof ways to invest.
Deposit your money and earn a guaranteed rate of return.

Open Now View Rates
White wave bar-3

An easy way to start saving

A certificate allows you to earn a higher interest rate than a regular savings account. We have two certificate options so you can pick the one that’s right for you. Our traditional certificates earn the highest rate. Our Smart Growth certificates are a little more flexible, letting you add funds here and there and build your savings over time, while still getting a good return on your dollars.

Build up your savings with our 12 Month certificate:

Vector (1)

Earns APY

Vector (1)

$500 minimum to open, no maximum

Vector (1)

Great for IRAs too!

Open yours today online or call/text us at 866.236.6968.

Open Now

Vector (1)

No maintenance fees

Vector (1)

Multiple terms and rates available

Vector (1)

Free online banking and eStatements

Vector (1)

Insured by the NCUA up to $250,000

Open your account in just 10 minutes

Ready to open your certificate?
All you need to do is fill out a short online application.

  • 1

    Apply Online

  • 2

    Account Opening

Open Now

Rates as high as APY*

All Rates

Frequently Asked Questions

  • ​When your certificate matures and your term is up, you’ll have a chance to withdraw your money. If you don’t withdraw, we’ll roll over your money into a new certificate with a term that matches your old one.

  • For our Smart Growth Certificate, we have terms up to 84 months. For our traditional Certificate, terms go up to 72 months.

  • All rates are subject to change. Early withdrawal penalties may apply. For all other terms and fees for each account, contact your branch for the applicable disclosure statement(s). Any fees assessed could reduce earnings on this account. Other terms and conditions may apply, see Credit Union for full details.

    All certificates may be opened as an IRA investment and almost all can be opened as an HSA. For more information on which IRA option is right for you please consult with your tax adviser.

    The minimum balance to open and maintain a share certificate account is $500, except Smart Growth which has a minimum of $100.

    The share certificate Dividend Rates and Annual Percentage Yields shown are subject to change. See Credit Union for additional details.

    Variable Rate CD with a guaranteed minimum floor rate; contact the credit union for details. Additional deposits will not extend the term or advance the Maturity Date. One (1) annual withdrawal of 10% of the principal balance is allowed without penalty, unless opened as an IRA, in which case IRA rules apply.

Rates

Certificates (CD)

Rates effective as of: September 19, 2024

All rates are subject to change. Early withdrawal penalties may apply. For all other terms and fees for each account, contact your branch for the applicable disclosure statement(s). Any fees assessed could reduce earnings on this account. Other terms and conditions may apply, see Credit Union for full details.

All certificates may be opened as an IRA investment and almost all can be opened as an HSA. For more information on which IRA option is right for you please consult with your tax advisor.

The minimum balance to open and maintain a share certificate account is $500, except Smart Growth which has a minimum of $100.

APY = Annual Percentage Yield

This is a limited time offer and available on a first come, first serve basis. This offer is only available to funds new to NW Preferred.

4- The share certificate Dividend Rates and Annual Percentage Yields shown were accurate as of the Effective Date of this Rate Sheet. Contact the Credit Union for most current rates.

Smart Growth Certificates

Rates effective as of: September 19, 2024

All rates are subject to change. Early withdrawal penalties may apply. For all other terms and fees for each account, contact your branch for the applicable disclosure statement(s). Any fees assessed could reduce earnings on this account. Other terms and conditions may apply, see Credit Union for full details.

All certificates may be opened as an IRA investment and almost all can be opened as an HSA. For more information on which IRA option is right for you please consult with your tax advisor.

The minimum balance to open and maintain a share certificate account is $500, except Smart Growth which has a minimum of $100.

APY = Annual Percentage Yield

This is a limited time offer and available on a first come, first serve basis. This offer is only available to funds new to NW Preferred.

4- The share certificate Dividend Rates and Annual Percentage Yields shown were accurate as of the Effective Date of this Rate Sheet. Contact the Credit Union for most current rates.
5- Variable Rate CD with a guaranteed minimum floor rate; contact the credit union for details. Additional deposits will not extend the term or advance the Maturity Date. One (1) annual withdrawal of 10% of the principal balance is allowed without penalty, unless opened as an IRA, in which case IRA rules apply. Rates are subject to change after account opening.
7- This is a limited time offer and available on a first come, first serve basis. This offer is only available to funds new to NW Preferred.

Test Modal

Modal Content

Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.

Example table

Rates effective as of: September 19, 2024

{Optional: Insert table disclosure information}

Open Account

Not a Member, Yet?

Open Your First Account

Already a Member?

Request Additional Account

 

Check your application status

Leaving Our Website

You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.

Log in to Online Banking