Northwest FCU Adds 5-Year Appreciation CD

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Deal Summary: 5-year Appreciation Certificate, APYs of 3.15% ($1k+), 3.35% ($100k+), and 3.41% ($250k+), Heritage Club required.

Availability: Easy Membership Requirement

Northwest Federal Credit Union (NWFCU) celebrated its 70th anniversary in 2017. As a thank-you to its loyal members, NWFCU is offering a 5-year Appreciation Certificate, which can earn up to 3.41% APY with Heritage Club bonus rates.

Heritage Club

NWFCU’s Heritage Club is for Credit Union members, age 62 and over.

There is nothing you need to do to join the Club, at age 62 you automatically become a member of this elite group.

As DA reader, me1004, stated in a Forum post today,

Unfortunately, their rules for joining the Heritage Club have changed. It used to be open to all ages by opening a certain checking account, or those simply age 62 or over. But it is now only for those age 62 or over, and they automatically qualify as a Heritage Club member. (I presume if you were under age 62 and already a Heritage Club member, you will retain your membership even after the rule change, but you better check that.)

I confirmed with CSR that NWFCU members who belonged to the Heritage Club prior to the qualification change have been grandfathered in.

For those who don’t qualify for the Heritage Club rates, the 5-year Appreciation Certificate still offers competitive APYs: 3.05% ($1k+), 3.10% ($100k+), and 3.15% ($250k+).

APYMINMAXINSTITUTIONPRODUCTDETAILS
2.89*%$250k-Northwest Federal Credit Union5 Year Share Certificate
OTHER TIERS: 2.78% $1k - $100k | 2.84% $100k - $250k
Rates as of September 23, 2018.

The Appreciation Certificate is also available as an IRA (Traditional, Roth, CESA, SEP), earning the same APYs dependent on the same funding requirements and bonus rates requirements.

APYMINMAXINSTITUTIONPRODUCTDETAILS
2.89*%$250k-Northwest Federal Credit Union5 Year IRA Certificate (Traditional, Roth, CESA, SEP)
OTHER TIERS: 2.78% $1k - $100k | 2.84% $100k - $250k
Rates as of September 23, 2018.

As stated on the Certificate Disclosure page, the Early Withdrawal Penalty (EWP) reads as follows:

We will impose a penalty if you withdraw any of the principal before the maturity date.

For a term equal to or greater than two (2) years the penalty will be the lesser of 366 days of dividends on the amount withdrawn or all dividends on the amount withdrawn since the date of issuance or renewal.

If the dividends have already been paid, the penalty will be deducted from the principal.

There are two EWP exceptions listed in the Disclosure: the standard death or legally incompetent exception and the more rarely seen, “An IRA owner reaches age 59 ½.”

Thanks to the DA readers who emailed me and commented in the Forum about this hot deal at NWFCU.

Availability

Headquartered in Herndon, Virginia, Northwest Federal Credit Union offers membership to virtually anyone in the U.S., with a variety ways to qualify:

Easy Membership: Joining the non-profit Florida Literacy Coalition (FLC) ($10 membership dues) qualifies for NWFCU membership eligibility.

Organizations: Employees and members of 34 Community Partners also qualify for membership.

Government Employment: Employees of five named U.S. Government Agencies, including Homeland Security and CIA, are eligible to join.

Member Companies: Employees of more than 420 Member Companies also qualify.

Relationship: Family members (defined as spouse, children, siblings, parents, grandparents and grandchildren, including adopted family members) and household members (defined as persons living in the same residence who share living expenses) of any of the above groups are eligible for membership.

Joining NWFCU and/or opening an Appreciation Certificate can be done online, by phone (703-709-8900 or toll-free 844-709-8900) or at any of seven Virginia branches located in Chantilly, Gainesville, Herndon (2), Leesburg, Manassas, and Vienna.

Credit Union Overview

Northwest Federal Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 7.06% (excellent) based on December 31, 2017 data. In the past year, NWFCU has increased its total non-brokered deposits by $182.54 million, an excellent annual growth rate of 6.84%. Please refer to our financial overview of Northwest Federal Credit Union (NCUA Charter # 5500) for more details.

Established in 1947, Northwest Federal Credit Union is currently Virginia’s fourth largest credit union, with more than 253,500 members and assets in excess of $3.4 billion. NWFCU’s philosophy of "people helping people" has been put into action through the NWFCU Foundation, which recognizes students who demonstrate leadership, dedication and commitment in school, at home and in the community, by awarding college scholarships. Since 2005, the Foundation has awarded a total of $1,097,000 in scholarships to 258 recipients.

How the Appreciation Certificate Compares

When compared to the similar length-of-term CDs tracked by DepositAccounts.com that are available nationally, Northwest Federal Credit Union’s 5-year Appreciation Certificate APY (with Heritage Club bonus rates) currently ranks first, regardless of minimum deposit.

When compared to the similar length-of-term CDs tracked by DepositAccounts.com that are available nationally, Northwest Federal Credit Union’s 5-year Appreciation Certificate APY (without Heritage Club bonus rates) currently surpasses the competition, regardless of minimum deposit.

The above rates are accurate as of 4/20/2018.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Washington CD rates, 5-year CD rates, nationwide deals

Comments
E pluribus unum
E pluribus unum   |     |   Comment #1
I qualify for the deal. But I would not be willing to commit a quarter million dollars at 3.41% for five years with a one year EWP. I would go in at that rate of interest, but only for a much lower dollar amount.

It's only my opinion, but I believe interest rates will continue to rise into at least the fall of this year. Spring weather has been slow in coming to a large portion of America. Once warmer weather becomes more widespread, interest rates will commence rising more rapidly all across the country.
Edward
Edward   |     |   Comment #2
10 year yields are already close to hitting 3%, and the best NWFCU can do is 3.05% for amounts less than $100k. To get the stingy 3.4% you have to be 62 years old, and have at least $250k for 5 years at 1 year EWP.

I bet they were upset after I broke my CD with them last month to transfer the money into Sharonview.
Harry
Harry   |     |   Comment #3
How is it legal to give different savings rates to people of different ages?

Even if it is legal, why don't people complain about this?
Robb
Robb   |     |   Comment #4
Harry think of it as similar as a "senior discount" that we see in most walks of life. In this case a bonus rate for seniors.
Harry
Harry   |     |   Comment #5
Thanks for stating the obvious, friend, and same question.

Would you also approve of a white discount, a black person discount, or a red hair bonus rate?
Robb
Robb   |     |   Comment #6
For obvious reasons that I am sure I need not explain I don't look at it the same way. That would be an apples to oranges comparison. Seniors have in most cases less earnings power as they age along with more physical challenges thus I believe they are offered discounts to help out. I look at it as the glass half full not the other way around. Think of it as some help as we grow older which I think most people are more than accepting of.
Harry
Harry   |     |   Comment #7
This bank reserves its highest rate for $250,000+

If, as you glibly conclude, the bank's goal is to help the needy, it would give the highest rate to small accounts.

Is logical thought really so hard?
Robb
Robb   |     |   Comment #9
I have no answer for that. Why don't you call the bank and ask?
Robb
Robb   |     |   Comment #11
Harry you like to spin things around...regarding calling the bank it has to do with your original questions below:

How is it legal to give different savings rates to people of different ages?

Even if it is legal, why don't people complain about this?
Harry
Harry   |     |   Comment #12
Ok, you want me to call the bank to ask them why people don't complain.

If I had any interest in the CD, I might call to complain.

I do have a problem with this website promoting obvious discrimination.
Robb
Robb   |     |   Comment #13
If you feel strongly enough about it why don't you call them up about it and see what they say about the "issue of it being legal to give different savings rates to people of different ages" and see what they have to say?
Harry
Harry   |     |   Comment #14
Because I have enough experience to know bank tellers don't know much about their own banks, and certainly wouldn't call them for legal advice.

If you feel strongly banks should be helping the needy, why aren't you calling them?
aaa
aaa   |     |   Comment #23
NW is for "the" agency.

What they do must be legal.
Robb
Robb   |     |   Comment #24
Because I have no problem with their offer and bonus rates for seniors.

Also, don't see any reason to knock this site for passing along this deal. Ken has done a great job passing along the latest and best deals.
me1004
me1004   |     |   Comment #25
While you make some good points (although I withhold any comment about where I stand on them), I don't have any idea why you single this CU out as if it is the only one doing such a thing. As Robb pointed out, a certain benefit -- whether a senior discount, an interest rate bonus, eligibility for a pension, get Medicare, eligibility to collect Social security -- it is a widespread practice throughout our society. Similar benefits often are given to other classes too, such as veterans, or children's prices, or the family pack at the supermarket, or discounts on service for second or more cell phones for the rest of your family.
me1004
me1004   |     |   Comment #26
It would be nice if the Website would work correctly, and post my comment under the message to which I replied, considering I did click on the reply button for that message.
???
???   |     |   Comment #34
me1004
I wish there was never a way to submit posts out of a continuous order.
It is a pain fishing around to find a reply to someones post if another not significant posts follows it.
We should all post at the bottom of the thread and refer to the POST NUMBER to which we are replying, As is the case of Bozo replies.
thankyou Mr Bozo
Heather
Heather   |     |   Comment #8
I agree with Harry on this. In many cases, it is the Seniors who have the money, not the working age people. How about a bonus rate for people who are struggling with young kids, mortgages, etc. and trying to save? The bonus rate for Seniors IS probably discriminatory.
dave9354
dave9354   |     |   Comment #15
We seniors had the kids, mortgages, etc. and now it is time for a little extra before our time is over. I have worked 2 jobs and saved all my life for retirement! So stop your wining, and when you’re retired, you will get that minute bonus on your CD. Discrimination my ****!
Harry
Harry   |     |   Comment #18
Dave, why would you assume I am not a senior?
Bogie
Bogie   |     |   Comment #28
You nailed it, dave9354, with your comment #15!

It's all life cycle most of us have in common. It's all in how we managed our money is what separates us. And most of us "seniors" earned a lot less during our working years than the whiners are making today.
Reader
Reader   |     |   Comment #16
To Harry, who for some reason has gotten quite upset about this offer:

1. Federal laws addressing age discrimination apply to (i) employment, (ii) education where an institution receives federal financial assistance, and (iii) federally funded health programs. These laws do NOT apply to discounts on purchases (or in this case, interest rates offered by a bank/CU). "Age" is not a protected class if you are dealing with a bank/CU as a customer (and not an employee). I hope this addresses your comment about the legality of this CU's offer.

2. This website is not "promoting obvious discrimination". It is accurately reporting a current promotion by a credit union.

3. As for your other comment , I agree with you that the CU is not trying to "help the needy" but rather provide additional incentives to seniors to attract their deposits.
Harry
Harry   |     |   Comment #17
I am not "quite upset about this offer." I am more bothered by a general lack of logic, as Robb displayed several times.

Reader, I am not sure if you have a real understanding of discrimination laws. There are federal laws and state laws. I don't know the laws of the state where this bank is located. I do know the California Court of Appeals recently allowed a suit against Tinder for offering price discounts to people under the age of 30.
oh boy!
oh boy!   |     |   Comment #19
TINDER! HAHAHAHAHAHAHHA
Reader
Reader   |     |   Comment #21
Harry, I was referring to federal laws. States vary widely in their approach to expanding these protections. I don’t live in California but I did some research:

California’s Unruh Civil Rights Act provides broad protection against ARBITRARY age-based price discrimination. In the Tinder case that you referred to, Tinder lost because the court held that it used an ARBITRARY basis for charging prices to its customers.

In regard to senior discounts/pricing, California courts have held that charging different prices to children and senior citizens is sometimes permissible and socially desirable, in part because children and elderly persons frequently have limited earning capacities which justify differential treatment in some circumstances. The courts have held that an otherwise prohibited "discriminatory" practice will be upheld as reasonable, and therefore NOT ARBITRARY, "when there is a strong public policy in favor of such treatment."

So, based on my reading, a bank /CU should not have a legal problem offering higher rates to senior citizens in California.
Bozo
Bozo   |     |   Comment #20
Heather (re comment # 8), I recently noted the irony of "senior discounts" in another thread (disclaimer: my wife I are both pushing 71). I suspect one explanation for higher rates for folks of a certain age is to counter-act the stickiness factor. We seniors tend to get stuck in our ways (duh). One way to pry us from our banking relationships is to offer "senior specials".
me1004
me1004   |     |   Comment #31
Well, you must add balance to your view. It also is the working age people who will take all of the money from the seniors, for their health care, for all the things they need help with so must pay people to do, things they used to do for themselves. If seniors were not having all their money go to the younger generation for such things -- and I must say, for medical care far and away being fleeced up the yin yang, most especially for assisted living and nursing homes -- they would not need that money. Mind you, that money will need to last them through maybe 30 years of retirement, they don't have a big paycheck coming in any more.

But regardless, as I pointed out, classes of all ages get one sort of benefit or another that the rest don't get. I think people here are looking at things with blinders on. Seems to me you either oppose for all the classes or none, but people don't want to oppose the things their class gets.
me1004
me1004   |     |   Comment #32
Dammit, another post not put under the post to which I was replying, even though I hit the reply button on that post.

This Website is starting to fall apart under the new owners. This is not the only issue, the editing function for posting threads in the forum also no longer works, and the tool to hyperlink link there also does not work.
SolonHiker
SolonHiker   |     |   Comment #52
Seniors also have far higher levels of wealth, Social Security and/or pension benefits, homestead exemptions in many cases giving them reduced property tax payments, and higher deductibles on state and federal tax returns. They also have access to Medicare, which gives them far better quality health insurance at a much lower cost. I'd say that's plenty enough help, without stacking the deck on investment options in their favor as well.
Bogie
Bogie   |     |   Comment #53
@ #52, What dream world are you living in? What you describe only applies to a small percentage of seniors. Quit complaining, work harder, and save more, then someday when you become a senior will be able to reap the benefits that present day seniors have earned.
me1004
me1004   |     |   Comment #33
Harry, why is it that the younger generation pays nearly nothing for health insurance, but once people turn 50, they have to pay through the nose, premiums skyrocket, and skyrocket again at age 55, and then skyrocket through the cosmos at age 60. Why are you not complaining about that, instead singling out your own apparent very selective and out-of-context bias instead of the full picture.

Did you even know that a health insurance premium of maybe $100 a month for the younger generation turns to about $675 a month for those age 60? Isn't that age discrimination, why is that legal? I think the seniors out there would much rather pay the $100 a month and give up this piddling 0.25% interest rate benefit.

If you are not going to complain about it across the board, including all the benefits you get, then all you are doing is -- well, if I finish that sentence it will sound like name calling, which I have no interest in doing that, but I don't know how to make they point without it unintentionally sound like something else, like name calling. At any rate, while, as I said, you have some good points, by taking them completely out of context by being so selective, you are being very myopic.
Harrys Better Half
Harrys Better Half   |     |   Comment #44
The difference in health care costs is obvious. About 95% of health care costs are spent during the last 48 hours of life.

Do you really think an 80 year old should pay the same life insurance premiums as a 20 year old?

Seriously, people generally have a lack of logic.
DOA
DOA   |     |   Comment #47
#33, ==Ditto==Ditto==Ditto
I paid $935 a month for a crappy Obamacare policy for January and February, but I was glad to throw my Obamacare policy in the toilet and go on Medicare in March. Someone else now will have to help pay for the ones that pay very little to nothing for Obamacare.
deplorable 1
deplorable 1   |     |   Comment #43
This is a interesting discussion about "senior" discounts. I always found it rather funny that they give discounts to old folks who have had their entire lives to save money and let it compound. In my opinion it is the young folks just starting out and making low pay with high taxes that really need the discount. The older I get the more money I have because my savings and investments have been growing over time. If a senior didn't bother to save and invest over their lifetime and is old and poor who's fault is that? When I'm old enough to get a senior discount I will take it but this logic that old people can't afford things and therefore need a discount escapes me.
Bozo
Bozo   |     |   Comment #46
deplorable 1 (re comment #43), I seem to recall we've had this topic come up before (see my comment #20, above). The assumption that folks of a certain age have less purchasing power is archaic. There might be rational reasons to target seniors (see my prior post); inadequate purchasing power (simply as a result of age) is silly.
deplorable1
deplorable1   |     |   Comment #49
@Bozo comment #46: There are some seniors that due to certain life circumstances have much less to spend in old age. Things like loosing a spouse unexpectedly, loosing a pension, unusually large medical bills, big stock crash just prior to retirement etc. These are more luck of the draw scenarios rather than age related ones though. I'm sure there are just as many young people with hard luck stories out there as well and the difference is that they never had the time for their savings and investments to compound.
Bogie
Bogie   |     |   Comment #50
@deploarable 1, comment #49. It's good to see at least somebody commenting here hasn't lost touch with REALITY. A person can't help but see elderly struggling almost every day, unless they never leave their own little affluent circles.
Reader
Reader   |     |   Comment #51
Bogie, your comment #50 echos exactly my sentiments.
Saul
Saul   |     |   Comment #48
In my community, the Seniors are the ones who have the money, the purchasing power, the disposable income. The 20-60 year olds are struggling to pay bills, educate their kids, etc. But the Seniors get the discounts! I agree with deplorable1!
NWFCU Disappointed
NWFCU Disappointed   |     |   Comment #22
I wonder what rate they'll offer around the timeframe when everyone's NWFCU 3yr/3% CDs from 3 years ago start to mature (this October, is it?)

While it may be legal to offer some services/rates to some groups and not others (some CUs will offer savings accounts ONLY to teachers with proof of teaching employment) I agree it's a bad way to treat your customers -- and it makes everyone feel bad. It certainly doesn't make me want to put my money in one of these CDs -- and I'm a NWFCU customer who put my money in last time.

Legally they may have a case, but once my current CD matures with NWFCU in a few months, I'll be moving my money elsewhere. (They would have to offer an amazingly special deal to get rid of the bad taste something like this puts in my mouth.)

There's a difference between making the additional requirement something that one has control over (ie, you must have a checking account with us to get the higher rate) and one something has no control over (you must be of a specific racial heritage, or of a specific age).

Not good, NWFCU.
And I know you read these comments because you've replied to them before.
JimDavis
JimDavis   |     |   Comment #27
Love these whiners.

"How come he gets a cake just because it's his birthday"???

Get a life

NWFCU,  please ignore the silly talk.
me1004
me1004   |     |   Comment #42
NWFCU Disappointed, if you got that 3-year CD at 3%, then did you also get the appropriate checking account at that time that got you classified as a Heritage member? If so, then you remain a Heritage member, grandfathered in. You can get the higher rate, on all their regular CDs except the promo ones.
Eil
Eil   |     |   Comment #29
Geez wiz. I suppose the whiners don’t like it when car dealerships offer new grads incentives that old grads can’t get, or military discounts, or youth savings incentives that banks offer to encourage saving habits at an early age, or senior discounts at restaurants, or reduced price children’s menu’s. Or maybe you complain about the person in line ahead of you at the grocery store that just saved $25 by clipping coupons and being a rewards card holder and you are not.
Frankly, the complaints here are beyond borderline ridiculous. I hope NWFCU does read this because I want them to know that I really appreciate their Heritage Club membership and that is why I will always be a customer, not to mention their prompt, courteous, helpful, professional representatives that are a pleasure to deal with.
E pluribus unum
E pluribus unum   |     |   Comment #30
Well said, Eil. It is surely a sign of the times how easily and readily discussion here can be diverted from the basics and aspects of this CD deal which actually matter (see my #1 post and Edward's post immediately thereafter) and onto absolutely asinine grounds. Such foolishness as this appears to be happening everywhere today. WABOA
Harrys Better Half
Harrys Better Half   |     |   Comment #45
Eil, where are all these complaints?

I see Harrys wise post asking why this is legal.

And most of the posts, such as yours, complaining about the whiners. Going on, and on, and on.
decades
decades   |     |   Comment #35
There are two EWP exceptions listed in the Disclosure: the standard death or legally incompetent exception and the more rarely seen, “An IRA owner reaches age 59 ½.

Wow 3.05 % plus on liquid money !
Bozo
Bozo   |     |   Comment #36
decades (re comment #35), I've noted the IRA EWP exception (for folks over 59 1/2) in other threads, for several years. I'd suggest folks at or near that age research indirect rollovers. Just sayin'.
lou
lou   |     |   Comment #37
Remember, you're only allowed one rollover per year. If you **** it up, the consequences are dreadful.
Bogie
Bogie   |     |   Comment #39
As per the IRS.gov web-site:

IRA one-rollover-per-year rule
You generally cannot make more than one rollover from the same IRA within a 1-year period. You also cannot make a rollover during this 1-year period from the IRA to which the distribution was rolled over.

Beginning after January 1, 2015, you can make only one rollover from an IRA to another (or the same) IRA in any 12-month period, regardless of the number of IRAs you own.

The one-per year limit does not apply to:

rollovers from traditional IRAs to Roth IRAs (conversions)
trustee-to-trustee transfers to another IRA
IRA-to-plan rollovers
plan-to-IRA rollovers
plan-to-plan rollovers
decades
decades   |     |   Comment #40
the one-per year limit does not apply to:
trustee-to-trustee transfers to another IRA

why would one do an indirect rollover instead of a trustee to trustee transfer ?
looks like you can do an unlimited number of transfers
decades
decades   |     |   Comment #41
ok I see , they probably won't allow a penalty free transfer would have to go the indirect rollover route
Amos
Amos   |     |   Comment #38
It might be time to move some PenFed 5yr 2.1% IRA money over here.
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Availability: Easy Membership Requirement

Northwest Federal Credit Union’s (NWFCU) recently added a Kasasa Cash account. For a reward checking account, the top rate and balance cap are a little disappointing. Nevertheless, it’s always nice to see the addition of a nationally-available reward checking account. The new Kasasa Cash account earns 2.00% APY on qualifying balances up to $15k. Qualifying balances over $15k earn 0.25% APY, with non-qualifying balances earning 0.05% APY.

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Deal Summary: 1-year Share Certificate (1.31% APY/$1k, 1.41% APY/$100k+, 1.51% APY/$250k+); 2-year Share Certificate (1.56% APY/$1k, 1.66% APY/$100k+, 1.76% APY/$250k+).

Availability: Easy Membership Requirement

It’s a new month - time for some new rates. Northwest Federal Credit Union (NWFCU) raised the rates on all its Share Certificates yesterday, with increases ranging from 10 to 25 bps. Of the seven Share Certificates offered, the 1-year (1.31% APY/$1k, 1.41% APY/$100k+, 1.51% APY/$250k+) and 2-year (1.56% APY/$1k, 1.66% APY/$100k+, 1.76% APY/$250k+) are the most competitive.

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Deal Summary: 30-month Celebration Certificate, 2.02% APY, $1k min/$500k combined max per member.

Availability: Easy Membership Requirement

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The Celebration Certificate is also available as an IRA (Traditional,...

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Availability: Easy Membership Requirement

Every so often, what I think will be a good subject for a blog post disappoints me; that’s what happened as I was writing last night. Without going into too much detail, this morning’s blog post about REALTORS® Federal Credit Union’s 1-year CD has instead become a blog post about Northwest Federal Credit Union's (NWFCU) 1-year Share Certificate. While this might seem like a complete non sequitur, it actually makes sense: for the past four years, REALTORS® FCU has been...

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Northwest FCU Offers Bonus Rate On Share Certificates
Availability: Easy Membership Requirements

For more than a year, Northwest Federal Credit Union (NWFCU) has been offering a 5-year Share Certificate that earns 2.22% APY on deposits of $250k+. The minimum opening deposit is $1k (deposits below $250k earn 2.02% APY), with no balance cap. The 5-year Share Certificate is also available as an IRA (Traditional, Roth, CESA, and SEP) earning the same APY, with the same funding requirements.

On its face, it’s not a great deal, but as DA readers, Kennewickman...

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