*All rates quoted as of 01/04/2023*
CERTIFICATE RATES
Certificate rates subject to change daily.
| Minimum Deposit | Term | Rate | APY |
| $500 | 3 Months | 0.40% | 0.401% |
| $500 | 6 Months | 0.45% | 0.451% |
| $1,000 | 12 Months | 0.55% | 0.551% |
| $1,000 | 18 Months | 0.65% | 0.651% |
| $1,000 | 24 Months | 0.75% | 0.751% |
| $1,000 | 36 Months | 0.85% | 0.852% |
*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 0.15% 0.20% 0.25% Auxiliary Share Savings 0.20% | 0.15% 0.20% 0.25% 0.20% | $50.00 to $9,999.99 $10,000.00 to $49,999.99 $50,000.00 and above none |
| EZ Saver Savings | 2.018% | *Special terms and conditions apply* |
| NOW Checking 0.50% | 0.50% | $2,500.00 |
| IRA’s 1.50% | 1.50% | $50.00 |
These rates are paid using a daily balance method. In the Regular Share Savings accounts, a minimum balance of $50.00 must be maintained on a daily basis to earn a dividend for that day. Regular Share Savings accounts that drop below $50.00 at any given time 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. For a full list of our service fees & charges please see our Fee schedule.
Rates posted reflect the dividend rate the Credit Union anticipates it will pay at the end of the dividend period. 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.