North West Federal Credit Union

In the heart of Herndon, the Northwest branch at 200 Spring St stands as a convenient spot for members seeking quick ATM services within a welcoming community. Open Monday through Friday from 8:00 a.m. to 4:30 p.m., this location offers essential access to cash withdrawals and balance inquiries, supporting your everyday banking needs with ease. While this branch focuses on ATM services only, Northwest’s signature offerings extend far beyond, featuring some of the best auto loans and low mortgage rates designed to help you drive your dream car or make homeownership more affordable.
Serving over 283,000 members with assets exceeding $4.8 billion, Northwest Credit Union is committed to providing personalized financial solutions tailored to your goals. Whether you're visiting for convenient ATM access or exploring competitive lending options online or at other service points, you’ll find a trusted partner in Northwest.
Stop by the Herndon ATM location at 200 Spring St or call 703-709-8900 today to experience local service and start discovering how our top auto loans and mortgage products can empower your financial future!

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, your trusted financial partner located at 200 Spring St, Herndon, VA 20170. Since our establishment in 1947, we have grown into a reliable credit union serving 283,490 members with a commitment to community and member satisfaction. With total assets reaching an impressive $4,810,199,243 and total deposits of $891,922,313, we are dedicated to providing you with personalized financial services tailored to your needs. At Northwest, we pride ourselves on our strong leadership. Under the guidance of CEO Jeff Bentley and Board President Gerrianne Burks, our team of 543 employees is here to assist you with a variety of banking services. From loans to deposits, we aim to create a positive impact in the lives of our members and the community. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 200 Spring St, Herndon, VA 20170. Our offerings include an extensive range of loans and financial products with a total loan portfolio amounting to 130,732 loans. Whether you're looking for an auto loan or a personal loan, we're here to help you every step of the way. We invite you to explore all that Northwest has to offer by visiting our website at nwfcu.org or giving us a call at 703-709-8900. Join us as we continue building a brighter financial future together!

Branch History & Mission

Join Us!

As we look forward to the future, we invite you to become part of the Northwest family. Whether you're looking for guidance on loans or simply want to explore your options, we're here for you every step of the way. Experience firsthand how our commitment to community support can make a difference in your life. Visit us today at 200 Spring St Herndon Va 20170 or learn more about becoming a member by checking out our website at Herndon Office. Together, let's build a brighter future!

Our Journey

From day one, our mission has been clear: to empower individuals and families with accessible financial services while fostering a spirit of community. The journey started at our location on 200 Spring St Herndon Va 20170, where we have witnessed countless milestones in the lives of our members. Over the years, we've adapted and evolved, ensuring that we meet the changing needs of those we serve. As part of our commitment to accessibility, we offer a range of services designed with you in mind. While we currently do not provide ATM services or drive-thru banking, we focus on creating an inviting atmosphere during our operating hours from Monday to Friday, 8:00 am to 4:30 pm. For those who may need assistance outside regular hours, our dedicated team is just a phone call away at (703) 709-8900.

Our Mission

At Northwest, our mission goes beyond providing loans and savings accounts. We strive to create lasting relationships built on trust and understanding. Our goal is to help every member achieve their financial dreams while giving back to the community through various outreach programs and partnerships. While members can visit us at 200 Spring St Herndon Va 20170, official correspondence should be sent to 200 Spring St, Herndon, VA 20170 if it differs from our physical location. This ensures that all communications are handled swiftly and efficiently. We believe in innovation and accessibility for everyone. Our digital offerings include online banking and mobile payments, making it easier for you to manage your finances anytime, anywhere. We take pride in being ADA compliant, ensuring that all members feel welcome and supported in their financial journey.

Branch Location & Accessibility

Welcome to the Northwest Credit Union branch, conveniently located at 200 Spring St in the heart of Herndon, Virginia! This prime location is just a short drive from popular landmarks like the Herndon Community Center and the W&OD Trail, making it easy for members to drop by whenever they need. Whether you're heading out for errands or enjoying a day in the area, our welcoming branch is ready to serve you. While members can visit us at our branch address, official correspondence should be sent to 200 Spring St, Herndon, VA 20170. Our facility is designed with your comfort and convenience in mind. We offer ample parking to ensure your visit is hassle-free. Plus, our branch is ADA-compliant, featuring ramps and accessible entrances so that everyone can easily access our services. We're here for you Monday through Friday from 8:00 AM to 4:30 PM. Our friendly staff is dedicated to providing personalized assistance with all your banking needs during these hours. Unfortunately, we do not have ATM services or drive-thru banking available at this location, but our team is always ready to help you with transactions inside the branch. If you're looking for a credit union that values community and member service, come visit us at Northwest Credit Union. For any inquiries or assistance before your visit, feel free to call us at 703-709-8900. We can't wait to meet you and help you achieve your financial goals!

Member Eligibility

At Northwest, we believe that everyone deserves a supportive financial community, and becoming a member is your first step into this welcoming environment. If you live, work, or worship in the areas we serve, you're likely eligible to join us! We focus on inclusivity, making it easy for individuals and families to access our services and benefits. To find out the specific eligibility criteria that may apply to you, we invite you to visit our detailed membership page at https://www.nwfcu.org/membership/. Once you're ready to become part of our community, opening an account is a breeze! Just check out the details at https://www.nwfcu.org/loans/mortgages/ for guidance on how to get started. If you have any questions along the way, feel free to reach out to us at (703) 709-8900. Join us at Northwest, located at 200 Spring St Herndon Va 20170, and experience the advantages of being a member today!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $102 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $55,100,525, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Needs

Imagine running a bustling café or retail store; you need payment solutions that keep up with customer demands. Our merchant services make transactions easy and secure, allowing you to focus on what matters most growing your business. From credit card processing to mobile payments, we provide the tools necessary for smooth operations. Located at 200 Spring St Herndon Va 20170, Herndon, VA, we invite you to explore how our business banking and commercial services can enhance your journey. Contact us at (703) 709-8900 or visit our website at https://www.nwfcu.org/ to learn more!

Comprehensive List Of Services

Banking Made Easy

In today's fast-paced world, convenience is key. That's why our ATM Services Only help you access your funds with ease, allowing you to withdraw cash or check your balance whenever needed. Picture this: you're out running errands and suddenly need cash for a quick purchase. With our ATM services, you can easily find an ATM nearby and get what you need without any hassle.

Member-Centric Approach

We understand that every member has unique financial goals and challenges. Whether you're saving for a new car, planning a vacation, or simply managing day-to-day expenses, our team is here to guide you through every step. Although we currently focus on ATM services, we aim to expand our offerings in the near future to include more comprehensive banking options like loans and online banking features.

Reach Out Anytime

Our friendly team is always ready to assist you with any questions or concerns. You can reach us at (703) 709-8900 during our operating hours from Monday to Friday, 8:00 AM to 4:30 PM. We believe that communication is essential in helping you achieve financial success. In conclusion, while we currently focus on offering ATM Services Only, we're dedicated to expanding our services further to better serve you. At Northwest, we are more than just a credit union; we are your trusted partner in navigating your financial journey. Ready to explore what we can do for you? Visit us today at 200 Spring St Herndon Va 20170 or contact us at (703) 709-8900 for more information!

Technology at Your Fingertips

Embracing technology is important to us at Northwest. Our online banking platform allows members to manage their accounts from the comfort of their homes or on-the-go through mobile applications. Imagine being able to check your account balance or transfer money while waiting in line at the grocery store it's that easy!

Digital & Online Banking

Key Features of Our Digital Banking Services

With our online banking, you can view your account balances, transfer funds, and pay bills all from the comfort of your own home or while out and about. Plus, for those who prefer managing their finances on their mobile devices, our mobile application is available to download for easy access wherever you are. Need to send money to friends or family? Our person-to-person transfer feature makes it simple and quick to share funds with just a few taps. You can also make payments using mobile payment options, giving you even more flexibility in how you handle your transactions. For members who want to stay organized, we offer e-statements that provide a paperless way to keep track of your financial activity. No more waiting for mail your statements are available online whenever you need them. While we currently do not support electronic signature authorization, rest assured that all your transactions are secure. At Northwest, we prioritize your security and privacy. Our online banking services are equipped with advanced security features to help protect your personal information while allowing you real-time access to manage your accounts easily. Join us today at Northwest and experience the convenience of modern banking! For more information or to get started, visit https://www.nwfcu.org/.

Financial Strength

At Northwest, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With a strong foundation built on trust and reliability, we are dedicated to providing you with the services you need to achieve your financial goals. With a net worth of $526,751,159, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1,092 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $953,919,040 in share certificates and $807,747,275 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $467,384,474 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $49,311 in used auto loans and a total of $2,777,962,163 in loans and leases, we support members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $19,915,969, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 535 full-time employees and 8 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 456,054, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Northwest is your trusted partner. Visit us at 200 Spring St Herndon VA 20170 or call 703-709-8900 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $978,655,683 in used vehicle loans and $584,960,396 in new vehicle loans already helping members get on the road. We provide financing options that make it easier for you to drive away in the vehicle you desire.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $55,100,525 provide the capital needed to expand your business operations. At Northwest, we are committed to providing exceptional service and support throughout your borrowing journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore your options today and see how we can help you achieve your financial objectives!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $293,786,036, making buying or refinancing simple. We offer various refinancing options as well; check our eligibility criteria to see how we can assist you.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $70,969,625 in loans helping members manage their finances effectively. These cards are designed to give you the purchasing power you need without collateral.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This means you receive fair and transparent offers without hidden agendas. Each loan listing is backed by verified data, ensuring that you can trust the information presented.

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