Rates
At NorthWinds Federal Credit Union, we provide competitive rates to fund your dreams. Whether you need a checking account with no surprise fees, a certicate of deposit, or cash for a big purchase, NorthWinds has the rates to make your dreams a reality.
Best of all, we’ve got friendly staff in-office and lots of resources online to make the whole process easier. Please call or visit one of our locations, or just scroll down for more information.
Savings Rates
Certificate Rates
Loan Rates
Home Loans
Savings Rates Effective August 10, 2026
Dividend rates are subject to change by the Board of Directors.
Personal Savings
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $100 | 0.05% | 0.05% |
Personal Checking
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $100 | 0.05% | 0.05% |
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $0 to $2,499.99 | 0.01% | 0.01% |
| Up to $24,999.99 | 0.05% | 0.05% |
| Up to $49,999.99 | 0.10% | 0.10% |
| $50,000 and Over | 0.20% | 0.20% |
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $0 to $2,499.99 | 0.01% | 0.01% |
| Up to $24,999.99 | 0.10% | 0.10% |
| Up to $49,999.99 | 0.20% | 0.20% |
| $50,000 and Over | 0.35% | 0.35% |
Money Market Savings**
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $0 to $2,499.99 | 0.05% | 0.05% |
| Up to $24,999.99 | 1.15% | 1.15% |
| Up to $49,999.99 | 1.39% | 1.40% |
| Up to $99,999.99 | 1.89% | 1.90% |
| $100,000 and Over | 3.16% | 3.20% |
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $0 to $74,999.99 | 1.39% | 1.40% |
| Up to $499,999.99 | 3.46% | 3.50% |
| $500,000 and Over | 3.70% | 3.75% |
| Minimum Balance | Dividend Rate | APY* |
|---|---|---|
| $0 to $74,999.99 | 2.72% | 2.75% |
| Up to $249,999.99 | 3.46% | 3.50% |
| Up to $499,999.99 | 3.55% | 3.60% |
| $500,000 and Over | 3.94% | 4.00% |
Deposits are insured up to $500,000. The first $250,000 is insured by the National Credit Union Administration (NCUA), an agency of the United States Government. The remainder $250,000 of the coverage is provided by Excess Share Insurance.
All rates are subject to change without notice. Dividends begin to accrue on the business day your deposit is posted to your account. Dividends are compounded and credited quarterly. Dividends are computed by the daily balance method. Fees or other conditions may reduce earnings, refer to the Fee Schedule for current fee information.
* APY is Annual Percentage Yield and assumes dividends remain in the account/certificate.
** Money Market accounts will be subject to a below balance minimum fee. Elite accounts require a minimum of $75,000 on deposit and Elite Wealth accounts require a minimum of $250,000 on deposit.
Certificates Accounts**
| Term of Deposit | Dividend Rate | APY* |
|---|---|---|
| 6 Month Special^ | 4.18% | 4.25% |
| 6 Month | 2.48% | 2.50% |
| 7 Month Special^ | 3.46% | 3.50% |
| 7 Month Relationship Special^ | 3.80% | 3.85% |
| 12 Month | 2.72% | 2.75% |
| 13 Month Special^ | 4.18% | 4.25% |
| 24 Month | 3.70% | 3.75% |
| 36 Month | 3.46% | 3.50% |
| 48 Month | 3.21% | 3.25% |
| 60 Month | 3.21% | 3.25% |
Deposits are insured up to $500,000. The first $250,000 is insured by the National Credit Union Administration (NCUA), an agency of the United States Government. The remainder $250,000 of the coverage is provided by Excess Share Insurance.
All rates are subject to change without notice. Dividends begin to accrue on the business day your deposit is posted to your account. Dividends are compounded and credited quarterly. Dividends are computed by the daily balance method. Fees or other conditions may reduce earnings, refer to the Fee Schedule for current fee information.
*APY = Annual Percentage Yield and assumes dividends remain in the account/certificate.
^ Relationship special certificate requires $75,000 on deposit or a checking with direct deposit and a loan with NorthWinds Federal Credit Union.
**Early withdrawal penalty of 90 days’ dividends for terms of 12 months or less, 180 days’ dividends for terms of 13 to 24 months, and 360 days’ dividends for terms of 25 months or greater will be imposed on amounts withdrawn before maturity. All certificates will automatically renew upon maturity for a like term. Grace period is 10 calendar days. Dividends will not be paid during the grace period if the certificate is not renewed.
^ Certificate Account qualifications:
- 7 Month Special Certificate: Must be a NorthWinds FCU member.
- 7 Month Relationship Special Certificate: Maintain $75,000 or more in total deposits with us or maintain a checking account with direct deposit and a loan with NorthWinds FCU.
- 6 Month and 13 Month Special Certificates: New Money only, not on deposit with NorthWinds FCU for the past 90 days. Must be a NorthWinds FCU member.
Loan Rates Effective August 1, 2026
| Cars and Trucks ** | APR* (as low as) |
|---|---|
| New | 4.74% |
| Used | 4.99% |
| Boats, Motorcycles, RVs, & Motorhomes ** | APR* (as low as) |
|---|---|
| New | 5.49% |
| Used | 4.99% |
| Jet Ski, Fish House, ATV, Snowmobile, Dirt Bike, etc. | APR* (as low as) |
|---|---|
| New | 6.99% |
| Used | 9.99% |
| APR* (as low as) | |
|---|---|
| Home Improvement | 8.79% |
| Share Secured | 4.20% |
| Line of Credit | 12.30% |
| Checking Line of Credit | 11.00% variable |
| CD Secured | 3.00% over Certificate Rate + |
| Personal Loan | 11.79% |
* Annual Percentage Rate. Rates may be higher based on credit score, loan term, age or mileage of collateral and Loan to Value (LTV). Rates assume an automatic payment will be set-up. All loans subject to credit approval and additional terms and conditions may apply, see a credit union representative for more information.
** Must have a state issued title. Those without a title will be priced as Other Collateral.
+See Deposit Rate Sheet for current Certificate of Deposit (CD) rates. CD term must match loan term. You may be charged a penalty for breaking terms or conditions of an existing CD.
Mortgage Loans
Call 952-445-0888 and select Menu Option 3 to speak to a Mortgage Specialist for rates based on your scenario. NMLS ID#: 1059389
| APR* (as low as) | |
|---|---|
| HE Fixed (no origination fee) | 5.49% |
| HE Line of Credit ++ (no origination fee) | Index - 0.50% |
*APR = Annual Percentage Rate. Rates may be higher depending on credit, term and Loan to Value (LTV). Home Equity Loans available in select states only. Consult a tax advisor about the tax deductibility of interest. Closing costs may vary dependent on the loan amount and specific loan terms. Rates assume an automatic payment will be set-up.
++The Home Equity Line of Credit (HELOC) has a variable rate. The APR will vary based on an index. The current index is the Prime Rate as published by The Wall Street Journal. As of 1/12/2026 the Prime rate is 6.75%. The APR will not exceed 18%.
Member Business Loans
Call 952-445-0888 and select Menu Option 4 to speak to a Business Loan Specialist about our many business loan solutions.
| (variable rate) | APR* |
|---|---|
| Platinum Preferred | 10.65% |
| Gold Rewards | 12.65% |
| Start Here | 16.65% |
| Start Here Secured | 16.65% |
* APR = Annual Percentage Rate. Rate offered will be based on your creditworthiness. The APR is subject to change monthly on the tenth day of each month to reflect any change in the Index; this will be determined by the Prime Rate as published in the "Money Rates" column of the Wall Street Journal, to which we will add a margin. If the 10th falls on a date the Wall Street Journal does not publish, the Prime Rate published on the last publishing day preceding the 10th will be used. The APR will never be greater than 18%. No annual fee. No balance transfer fee. For more details, see our VISA Agreement.