Northwest Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Northwest Federal Credit Union's highest tracked CD (share certificate) rate is 4.50% APY on a 13-month promotional CD ($1,000 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.05% to 3.75% APY.
Tracking began .
Northwest Federal Credit Union CD & share certificate rates
Promotional certificates only (currently 13-, 15- and 30-month terms). Membership required; a $1,000 minimum deposit of funds new to Northwest is required, and promotional certificates are not eligible for the dividend bonus rate. Standard certificate rates are not included.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Regular Certificate | $1,000same APY in 3 balance tiers | 0.05% | −4.25% | Top 99% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Regular Certificate | $1,000same APY in 3 balance tiers | 0.11% | −4.29% | Top 97% of tracked 6-month CDs · Verified October 22, 2026 |
| 10 months | Regular Certificate | $100,000same APY in 2 balance tiers | 3.50% | −1.01% | Verified October 22, 2026 |
| 10 months | Regular Certificate | $1,000 | 3.40% | −1.11% | Verified October 22, 2026 |
| 11 months | Regular Certificate | $100,000same APY in 2 balance tiers | 3.50% | −1.04% | Verified October 22, 2026 |
| 11 months | Regular Certificate | $1,000 | 3.40% | −1.14% | Verified October 22, 2026 |
| 12 months | Regular Certificate | $100,000same APY in 2 balance tiers | 3.75% | −0.82% | Top 44% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Regular Certificate | $1,000 | 3.65% | −0.92% | Top 50% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | Savings Momentum Certificate Promotional | $1,000 | 4.50% | −0.10% | Verified October 22, 2026 |
| 15 months | Summer Sizzler Certificate Promotional | $1,000 | 4.50% | −0.15% | Verified October 22, 2026 |
| 18 months | Regular Certificate | $100,000same APY in 2 balance tiers | 3.25% | −1.47% | Top 62% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Regular Certificate | $1,000 | 3.15% | −1.57% | Top 63% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Regular Certificate | $100,000same APY in 2 balance tiers | 3.25% | −1.62% | Top 58% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Regular Certificate | $1,000 | 3.15% | −1.72% | Top 61% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Make Your Move Certificate Promotional | $1,000 | 4.15% | −0.76% | Verified October 22, 2026 |
| 36 months | Regular Certificate | $100,000same APY in 2 balance tiers | 3.25% | −1.70% | Top 51% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Regular Certificate | $1,000 | 3.15% | −1.80% | Top 55% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Regular Certificate | $100,000same APY in 2 balance tiers | 3.25% | −1.73% | Top 45% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Regular Certificate | $1,000 | 3.15% | −1.83% | Top 49% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Regular Certificate | $100,000same APY in 2 balance tiers | 3.25% | −1.76% | Top 51% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Regular Certificate | $1,000 | 3.15% | −1.86% | Top 53% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.50% APY (13 months). The standard rate for a similar term is 3.75% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $75 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Northwest Federal Credit Union's best CD rates by term?
Northwest Federal Credit Union's best rate is 4.50% APY on 13 months, verified October 22, 2026.
- 3 mo0.05%
- 6 mo0.11%
- 10 mo3.50%
- 11 mo3.50%
- 12 mo3.75%
- 13 mo4.50%
- 15 mo4.50%
- 18 mo3.25%
- 24 mo3.25%
- 30 mo4.15%
- 36 mo3.25%
- 48 mo3.25%
- 60 mo3.25%
How much interest could a Northwest Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$487.87 interest · $10,487.87 at maturity on $10,000.00.
4.50% APY · 13 months · Savings Momentum Certificate · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $0.620.05% APY · Regular Certificate · Standard | $1.250.05% APY · Regular Certificate · Standard | $3.120.05% APY · Regular Certificate · Standard | $6.230.05% APY · Regular Certificate · Standard |
| 6 months | $2.760.11% APY · Regular Certificate · Standard | $5.510.11% APY · Regular Certificate · Standard | $13.780.11% APY · Regular Certificate · Standard | $27.570.11% APY · Regular Certificate · Standard |
| 10 months | $141.193.40% APY · Regular Certificate · Standard | $282.383.40% APY · Regular Certificate · Standard | $705.963.40% APY · Regular Certificate · Standard | $1,411.923.40% APY · Regular Certificate · Standard |
| 11 months | $155.813.40% APY · Regular Certificate · Standard | $311.623.40% APY · Regular Certificate · Standard | $779.063.40% APY · Regular Certificate · Standard | $1,558.123.40% APY · Regular Certificate · Standard |
| 12 months | $182.503.65% APY · Regular Certificate · Standard | $365.003.65% APY · Regular Certificate · Standard | $912.503.65% APY · Regular Certificate · Standard | $1,825.003.65% APY · Regular Certificate · Standard |
| 13 months | $243.944.50% APY · Savings Momentum Certificate · Promotional | $487.874.50% APY · Savings Momentum Certificate · Promotional | $1,219.694.50% APY · Savings Momentum Certificate · Promotional | $2,439.374.50% APY · Savings Momentum Certificate · Promotional |
| 15 months | $282.664.50% APY · Summer Sizzler Certificate · Promotional | $565.314.50% APY · Summer Sizzler Certificate · Promotional | $1,413.284.50% APY · Summer Sizzler Certificate · Promotional | $2,826.554.50% APY · Summer Sizzler Certificate · Promotional |
| 18 months | $238.323.15% APY · Regular Certificate · Standard | $476.653.15% APY · Regular Certificate · Standard | $1,191.623.15% APY · Regular Certificate · Standard | $2,383.233.15% APY · Regular Certificate · Standard |
| 24 months | $319.963.15% APY · Regular Certificate · Standard | $639.923.15% APY · Regular Certificate · Standard | $1,599.813.15% APY · Regular Certificate · Standard | $3,199.613.15% APY · Regular Certificate · Standard |
| 30 months | $535.324.15% APY · Make Your Move Certificate · Promotional | $1,070.634.15% APY · Make Your Move Certificate · Promotional | $2,676.584.15% APY · Make Your Move Certificate · Promotional | $5,353.164.15% APY · Make Your Move Certificate · Promotional |
| 36 months | $487.543.15% APY · Regular Certificate · Standard | $975.083.15% APY · Regular Certificate · Standard | $2,437.703.15% APY · Regular Certificate · Standard | $4,875.403.15% APY · Regular Certificate · Standard |
| 48 months | $660.403.15% APY · Regular Certificate · Standard | $1,320.803.15% APY · Regular Certificate · Standard | $3,301.993.15% APY · Regular Certificate · Standard | $6,603.983.15% APY · Regular Certificate · Standard |
| 60 months | $838.703.15% APY · Regular Certificate · Standard | $1,677.403.15% APY · Regular Certificate · Standard | $4,193.503.15% APY · Regular Certificate · Standard | $8,387.003.15% APY · Regular Certificate · Standard |
How Northwest Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 395-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 85 tracked institutions with fresh 395-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Northwest Federal Credit Union (this institution)Savings Momentum Certificate · Promotional | 13 months | $1,000 | Membership required · branches in MD, VA | 4.50% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 13 months | $1,000 | Available nationwide | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 13 months | $2,500 | Available nationwide | 4.50% | October 22, 2026 |
| Synchrony BankCD · Standard | 13 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Del Norte Credit Union (highest tracked APY for this term)Share Certificate - $100,000+ Minimum Balance · Promotional | 13 months | $100,000 | Membership required · branches in NM | 5.23% | October 22, 2026 |
| Treasury (APY-equivalent) | 13 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.60% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Northwest Federal Credit Union on October 22, 2026.
About Northwest Federal Credit Union
- Legal name
- Northwest Federal Credit Union
- Regulator ID
- NCUA 5500
- Headquarters
- Herndon, VA
- Available in
- MD, VA
- Total assets
- $4.6 billion
- Also known as
- Website
- www.nwfcu.org
Source: rates read from https://www.nwfcu.org/checking-savings/certificates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Northwest Federal Credit Union?
Among the rates we track, 4.50% APY on a 13-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Northwest Federal Credit Union CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $250,000.
How does Northwest Federal Credit Union's best CD rate compare with Treasury yields?
4.50% APY is −0.10% versus the 13-month Treasury yield of 4.60% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Northwest Federal Credit Union CDs insured?
Northwest Federal Credit Union is a federally insured credit union (NCUA 5500). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Northwest Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Northwest Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Northwest Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Northwest Federal Credit Union before opening an account. This page is not financial advice.