CERTIFICATE RATES
Certificate rates subject to change daily.
| Minimum Deposit | Term | Rate | APY |
| $1,000 | 3 Months | .35% | .35% |
| $1,000 | 6 Months | .50% | .50% |
| $1,000 | 12 Months | .70% | .70% |
| $1,000 | 18 Months | .85% | .85% |
| $1,000 | 24 Months | 1.00% | 1.00% |
| $1,000 | 36 Months | 1.30% | 1.30% |
*United Northwest FCU charges a penalty fee for early withdrawal on all certificates. Please contact the Credit Union for more information about fees.
SAVINGS RATES
| Simple Dividend Rate | Annual Percentage Yield Range | Share Balance Required to Earn Rate |
|
Regular Share Savings .20% .25% .30% |
.20% .25% .30% |
$50.00 to $9,999.99 $10,000.00 to $49,999.99 $50,000.00 and above |
| NOW Checking .50% | .50% | $2,500.00 |
| IRA's 2.00% | 2.02% | $50.00 |
They are paid using a daily balance method. A minimum balance of $50.00 must be maintained on a daily basis to earn a dividend for that day. Savings accounts that drop below $50.00 during a quarter will be charged a $1.00 service fee at the end of the quarter. A $20.00 service charge will be imposed if an account is closed before 1 years time. A $5.00 charge is imposed on accounts for transfers that bring the balance below $50.00 at the time of the transfer. Accounts closed before the dividend posting date (the last day of each quarter) will not receive a dividend for that quarter. Inactive accounts are considered dormant after 4 years and will be charged a dormant account fee of $10.00 per month.
Rates posted reflect the most recent dividend paid. The actual dividend rates for current quarter may vary. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.
Personalized Lending Rates
Loan rates are based on monthly income, stability of employment, credit history, current financial obligations and collateral offered. Rates shown are standard rates, actual rates will be determined with approved credit.
LOAN RATES
| Collateral | Length of term | Fixed Rate | Payment Factor/$1000* |
| A. 2018 Autos | 72 months | 3.50% | 15.43 |
| B. 2014 - 2017 | 36 months | 4.00% | 29.98 |
| 48 months | 4.25% | 23.15 | |
| 60 months | 4.50% | 19.11 | |
| C. 2010-2013 | 36 months | 4.75% | 30.32 |
| 48 months | 5.00% | 23.50 | |
| 60 months | 5.25% | 19.46 | |
| D. 2007-2009 | 36 months | 5.50% | 30.66 |
| 48 months | 5.75% | 23.84 | |
| 54 months | 5.95% | 21.63 | |
| E. 2006 or older | 36 months | 6.55% | 30.68 |
| 48 months | 6.75% | 24.22 | |
| F. Share secured | up to 120 months | 3.00% | 9.66 |
| G. Share certificate secured | up to 120 months | 3.00% above the certicate rate | |
| H. 100% signature loans | 15.00% | ||
| I. New Boats & RV's | up to 60 months | 5.50% | |
| J. Used Boats & RV's | up to 36 months | 6.50% | |
| K. Commercial and Agriculture loans | M-36 months | 5.50% | 19.31 |
| M-48 months | 6.00% | 23.84 | |
| M-60 months | 6.25% | 19.78 | |
| L. Member Business Loans | Variable - Prime rate +1.25% up to 10 years | ||
| M. Home loans 10% down | Var. | 0.50% above prime rate on a Thirty year note - min 4.25% | |
| Fixed | 1.00% above prime rate on a Ten year note with balloon - min 5.00% | ||
| N. Home loans 20% down | Var. | 0.25% prime rate on a Thirty year note - min. 3.75% | |
| Fixed | 0.75% above prime rate on a Ten year note with balloon - min 4.50% | ||
| O. Visa Card | 10.99/14.99 | ||
Rates subject to change without notice.
* Payment Factor = amount of loan divided by 1,000, taken times the
payment factor. Example: The monthly payment for a new car loan of
$10,000 for 36 Months @ 5.55% is (10,000/1,000)=10 X 30.22 = monthly payment of $302.20.