# Northwest Federal Credit Union CD and share certificate rates

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.

Canonical page: https://apyledger.com/cd-rates/northwest-federal-credit-union
Institution: Northwest Federal Credit Union (NCUA 5500)
Aliases: 
Status: live
Last verified: 2026-10-23T01:47:10.000Z (October 22, 2026)
Official source: https://www.nwfcu.org/checking-savings/certificates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Regular Certificate | standard | 3 months | $1,000 | 0.05% | Not ZIP-priced | −4.25% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 3 months | $100,000 | 0.05% | Not ZIP-priced | −4.25% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 3 months | $250,000 | 0.05% | Not ZIP-priced | −4.25% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 6 months | $1,000 | 0.11% | Not ZIP-priced | −4.29% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 6 months | $100,000 | 0.11% | Not ZIP-priced | −4.29% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 6 months | $250,000 | 0.11% | Not ZIP-priced | −4.29% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 10 months | $100,000 | 3.50% | Not ZIP-priced | −1.01% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 10 months | $250,000 | 3.50% | Not ZIP-priced | −1.01% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 10 months | $1,000 | 3.40% | Not ZIP-priced | −1.11% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 11 months | $100,000 | 3.50% | Not ZIP-priced | −1.04% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 11 months | $250,000 | 3.50% | Not ZIP-priced | −1.04% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 11 months | $1,000 | 3.40% | Not ZIP-priced | −1.14% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 12 months | $100,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 12 months | $250,000 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 12 months | $1,000 | 3.65% | Not ZIP-priced | −0.92% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Savings Momentum Certificate | promotional | 13 months | $1,000 | 4.50% | Not ZIP-priced | −0.10% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Summer Sizzler Certificate | promotional | 15 months | $1,000 | 4.50% | Not ZIP-priced | −0.15% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 18 months | $100,000 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 18 months | $250,000 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 18 months | $1,000 | 3.15% | Not ZIP-priced | −1.57% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 24 months | $100,000 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 24 months | $250,000 | 3.25% | Not ZIP-priced | −1.62% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 24 months | $1,000 | 3.15% | Not ZIP-priced | −1.72% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Make Your Move Certificate | promotional | 30 months | $1,000 | 4.15% | Not ZIP-priced | −0.76% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 36 months | $100,000 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 36 months | $250,000 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 36 months | $1,000 | 3.15% | Not ZIP-priced | −1.80% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 48 months | $100,000 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 48 months | $250,000 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 48 months | $1,000 | 3.15% | Not ZIP-priced | −1.83% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 60 months | $100,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 60 months | $250,000 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |
| Regular Certificate | standard | 60 months | $1,000 | 3.15% | Not ZIP-priced | −1.86% | 2026-10-23T01:47:10.000Z | [Snapshot 704](https://apyledger.com/snapshots/704) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.