North West Federal Credit Union

Northwest Federal Credit Union, headquartered in Herndon, VA since 1947, stands as a leading national credit union dedicated to empowering over 283,000 members across the country. With total assets surpassing $4.8 billion and a strong net worth of over $526 million, Northwest Federal offers robust financial stability combined with personalized service.
Members benefit from a comprehensive range of services including ATM and cash withdrawal access, auto loans and vehicle financing, mortgage loans and refinancing, as well as convenient online and mobile banking platforms for managing accounts anytime. Personal banking solutions feature flexible checking and savings accounts, credit cards with rewards, personal loans, and debt consolidation options tailored to individual needs.
Business clients enjoy specialized merchant services and business loans designed to support growth and operational success. Backed by a dedicated team of 543 employees and guided by CEO Jeff Bentley, Northwest Federal operates 13 branches nationwide, committed to delivering trusted financial products and exceptional member experiences.
Discover how Northwest Federal Credit Union can help you achieve your financial goals with competitive loan rates, rewarding credit options, and seamless digital banking—join a credit union that puts your financial wellbeing first. Visit https://www.nwfcu.org/ to learn more.

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
heloc
7 %
70 %
home equity
Home Equity Line of Credit
7.25 %
80 %
heloc
7.75 %
90 %
heloc
9.25 %
100 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
15 Year Fixed
5.875 - 6.0 %
6.067 - 6.153 %
0.75
15.0 Yrs
CONVENTIONAL
ADJUSTABLE
3/3 Adjustable Rate Mortgage
6.125 - 6.25 %
6.404 - 6.412 %
0.5
3.0 Yrs
CONVENTIONAL
ADJUSTABLE
SOFR 5 Year ARM
6.125 - 6.25 %
6.742 - 6.768 %
0.5
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
SOFR 7 Year ARM
6.25 - 6.375 %
6.703 - 6.744 %
0.5
7.0 Yrs
CONVENTIONAL
FIXED
HomeReady Mortgage 30yr
6.5 - 6.625 %
7.042 - 7.106 %
1
30.0 Yrs
CONVENTIONAL
FIXED
30 Year Fixed
6.625 - 6.75 %
6.757 - 6.846 %
0.875
30.0 Yrs
CONVENTIONAL
FIXED
30 Year 100% Fixed Rate
7.375 - 7.5 %
8.022 - 8.095 %
0.5
30.0 Yrs
CONVENTIONAL
FIXED
HomeBuyer's Edge 100%
7.625 - 7.75 %
7.7 - 7.8 %
0.25
30.0 Yrs
JUMBO
FIXED
Jumbo 15 Year Fixed Rate
5.875 - 6.0 %
6.017 - 6.064 %
0.75
15.0 Yrs
JUMBO
ADJUSTABLE
SOFR 5 Year ARM Jumbo
6.25 - 6.375 %
6.737 - 6.763 %
0.25
5.0 Yrs
JUMBO
ADJUSTABLE
SOFR 7 Year ARM Jumbo
6.375 - 6.5 %
6.713 - 6.754 %
0.25
7.0 Yrs
JUMBO
FIXED
Jumbo 30 Year Fixed Rate
6.5 - 6.625 %
6.588 - 6.665 %
0.75
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Savings secured
2.8 %
5.1 - 10 Yrs
Personal loan
9.99 - 11.99 %
2.1 - 7 Yrs
Line of credit
14.15 - 18 %
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
2024
5.19 % - 6.79 %
3 Yrs
Auto
2023
5.29 % - 6.79 %
3 Yrs
Auto
2025
5.39 % - 6.79 %
3 Yrs
Auto
2022
5.39 % - 6.29 %
3 Yrs
Auto
New 2025
5.59 % - 6.29 %
3.1 Yrs - 7 Yrs
Auto
2021
5.59 % - 6.49 %
3 Yrs
Auto
2019-2020
6.39 % - 8.29 %
3 Yrs

Introduction

Welcome to northwest, a trusted financial partner serving the northwest region since our establishment in 1947. With a commitment to empowering our members through exceptional service, we proudly offer a comprehensive suite of banking solutions designed to meet the diverse needs of individuals and families. Under the leadership of CEO Jeff Bentley and Board President Gerrianne Burks, we prioritize community engagement and financial well-being, ensuring that our members receive personalized support every step of the way.
Headquartered in Herndon, VA, we are dedicated to providing accessible banking services that adapt to the modern lifestyle. Our offerings include robust online banking options, a user-friendly mobile app, convenient P2P transfers, e-statements, mobile payments, and more—all aimed at making your banking experience seamless and efficient. As an NCUA-insured institution since 1/18/1971 0:00, you can trust that your deposits are safe with us. To learn more about how we can assist you on your financial journey, please visit our official website at https://www.nwfcu.org/ or reach out via fax at (703) 709-9484. At northwest, we believe in putting our members first while delivering financial solutions that foster growth and stability in our community.

Financial Services

At northwest, we understand that managing your finances is an essential part of achieving your life goals, whether it’s planning for a dream vacation, buying a new home, or growing your small business. That’s why we offer a comprehensive range of services designed to cater to all your banking needs. Our offerings include Personal Banking with checking and savings accounts, Auto Loans and Vehicle Financing, Mortgage Loans and Refinancing, Personal Loans for debt consolidation, and Credit Cards that reward you for your spending. For businesses, we provide Business Banking solutions such as Merchant Services and Business Loans to help you thrive in today’s competitive landscape. With our Online Banking and Mobile App, you have the freedom to manage your finances anytime and anywhere. You can easily perform transactions, transfer money with Person-to-Person Transfers, make Mobile Payments, and access E-Statements for greater convenience.
We believe that financial services should be accessible to everyone. This commitment extends to our membership qualifications; check out https://www.nwfcu.org/membership/ to see how you can join our community of over 283,490 members who are already benefiting from our services. We are also dedicated to ensuring that you make informed financial decisions when it comes to loans—visit https://www.lendmesh.com/loans/vehicle_loans for easy comparisons on rates and options available. Our goal is not just to offer products but to empower our members with the tools they need for successful financial management. If you have any questions or require personal assistance, feel free to reach us at (703) 709-9484. At northwest, we’re here to support you every step of the way on your financial journey.

Financial Highlights

In today's fast-paced financial landscape, choosing a reliable and trustworthy financial partner is paramount. northwest stands out as a beacon of stability and service excellence in the northwest region. With a remarkable Total Membership of 283,490, it is clear that individuals and businesses alike have put their trust in us. Our commitment to serving our members is reflected in our robust Total Assets, which amount to an impressive 4,810,199,243. This solid foundation allows us to offer competitive products and services tailored to meet diverse financial needs.
The strength of our organization is further underscored by our Net Worth of 526,751,159, showcasing our financial health and the prudent management of resources. In the past year alone, we achieved a commendable Net Income of 19,915,969, signaling not just growth but also our ability to reinvest in member services. Our Total Deposits reaching 891,922,313 reflect the confidence placed in us by our members, while our Total Loans and Leases of 130,732 demonstrate our active role in providing financing solutions that empower individuals and businesses.
With a dedicated workforce of Total Employees numbering 543, we pride ourselves on delivering personalized service and building lasting relationships with our members. Our impressive Net Worth Ratio of 1,092 indicates a strong capital position, allowing us to absorb potential losses while continuing to lend responsibly. Whether you're looking for consumer financing or commercial support, our diverse offerings include over credit card loans and an extensive portfolio featuring Auto Loan Volume at 98,622 and Commercial Loans totaling 104.
As we look ahead, we remain focused on transparency, community impact, and adapting to the evolving needs of those we serve. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, ensuring that you can trust the information guiding your financial decisions.
Explore your options today! Compare real-time loan offers at https://www.lendmesh.com/loans/vehicle_loans and find the best rates tailored for your specific needs with ease.

Branch services Offered States

MD, VA

Branch Details

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • ATM Services Only

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • ATM Services Only

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions)
  • Basic ATM Access (Withdrawals, Balance Checks)

Services Offered

  • Personal Banking (Checking & Savings Accounts)
  • Auto Loans & Vehicle Financing
  • Mortgage Loans & Refinancing
  • Personal Loans & Debt Consolidation
  • Credit Cards with Rewards
  • Business Banking (Merchant Services & Business Loans)
  • Online & Mobile Banking
  • ATM & Cash Withdrawal Services
  • Basic ATM Access (Withdrawals, Balance Checks)

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