North West Federal Credit Union

Northwest Credit Union proudly serves members across Maryland with a full range of financial services designed to support your goals statewide. Whether you’re managing everyday expenses or planning big purchases, members enjoy convenient ATM and cash withdrawal services, including basic ATM access for quick withdrawals and balance checks. Our competitive auto loans and vehicle financing options make driving your dream car achievable, while mortgage loans and refinancing solutions help make homeownership more accessible throughout Maryland.
Personal banking is simple and rewarding with flexible checking and savings accounts, credit cards loaded with valuable rewards, and personal loans including debt consolidation programs to keep your finances on track. Business owners benefit from tailored merchant services and business loans designed to fuel local growth across the state. Our basic drive-thru banking offers easy deposits, withdrawals, and simple transactions for added convenience.
With secure online and mobile banking platforms available anytime, managing your money is effortless no matter where you are in Maryland. Beyond banking products, Northwest actively supports community programs focused on financial education and empowerment. Membership means joining a trusted network committed to personalized service, financial strength, and making a positive impact throughout Maryland. Experience the value of Northwest Credit Union—your partner for all your financial needs in the Free State.

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

At northwest, we are driven by a steadfast commitment to serving our members across with a community-focused, member-first philosophy. Under the leadership of CEO Jeff Bentley and Board President Gerrianne Burks, our mission is to empower individuals and families by providing access to financial services that enhance their lives. Our members enjoy modern conveniences that make banking easier, including electronic signature authorization (No), e-statements (Yes), mobile payments (Yes), a dedicated mobile app (Yes), online banking (Yes), and person-to-person payment support (Yes). We invite you to explore our offerings at https://www.nwfcu.org/, or reach out to us via fax at (703) 709-9484. Join us in building a brighter financial future together!

Services & Financial Solutions

At Northwest Credit Union, we’re dedicated to empowering our members in Maryland with a comprehensive suite of financial services designed to meet their everyday needs. Whether you’re looking to open a checking or savings account, secure a mortgage for your dream home, or finance your next vehicle, our offerings provide the flexibility and accessibility you need. Our personal banking solutions not only help you manage daily expenses but also set the stage for long-term financial health. Imagine having the peace of mind that comes from knowing you can easily access your funds and monitor your accounts through our user-friendly online banking platform and mobile application.
For those looking to grow their business, Northwest Credit Union offers tailored support that includes merchant services and business loans. We understand that running a business comes with its own unique challenges, which is why we strive to offer financial solutions that are straightforward and easy to navigate. Our commitment extends beyond traditional banking; with features like mobile payments and person-to-person transfers, managing finances becomes seamless and efficient. You can even enjoy the convenience of e-statements to keep track of your transactions while saving trees at the same time! From applying for personal loans to refinancing existing debts, our approachable staff is here to guide you every step of the way, ensuring that you're empowered to make informed decisions about your finances.

Why Choose Us

At Northwest Credit Union in MD, we believe that banking should be accessible and straightforward. Becoming a member and opening an account with us is a breeze! You can easily check your eligibility by visiting https://www.nwfcu.org/membership/. Our commitment to trust and personalized service ensures that every member feels valued, supported, and engaged with our community. We pride ourselves on being more than just a financial institution; we are your partners in achieving financial stability and growth. Whether you're looking for competitive auto loans, mortgage refinancing, or basic banking services, we've got you covered with reliable options tailored to your needs. Plus, our user-friendly mobile application and online banking make managing your finances easier than ever! Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov. Ready to take the next step? Compare real-time loan offers today at LendMesh and find the best rates for your needs!

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)

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