North West Federal Credit Union

In the heart of Herndon, the Northwest Credit Union branch at 200 Spring St is a trusted community partner dedicated to helping you achieve your financial goals. Open weekdays from 7:30 a.m. to 3:30 p.m., this location offers convenient ATM and cash withdrawal services to keep your banking simple and accessible. Known for its competitive auto loans and vehicle financing, Northwest makes it easier than ever to get behind the wheel with flexible terms tailored to your needs.
Whether you’re looking to purchase a new home or refinance an existing mortgage, take advantage of Northwest’s low mortgage rates designed to make homeownership more attainable in Herndon and beyond. This branch also provides a full range of personal banking options including checking and savings accounts, rewarding credit cards, personal loans, debt consolidation solutions, and specialized business banking services like merchant accounts and business loans.
With secure online and mobile banking available around the clock, managing your money has never been more convenient. Visit Northwest Credit Union at 200 Spring St or call 703-709-8900 today to discover how our standout auto loans and mortgage offerings can support your financial future—experience local service made just for you!

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. Established in 1947, we have proudly served our community for over 75 years, providing a range of banking services tailored to meet the unique needs of our 283,490 members. As part of our commitment to fostering financial well-being, we manage total assets of $4,810,199,243 and offer loans and leases totaling 130,732, making us a stable and reliable choice for all your banking needs. At Northwest, we understand that every member's financial journey is different. That's why we offer personalized services including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. With total deposits reaching $891,922,313, you can trust that your money is in safe hands. Our net worth stands at an impressive $526,751,159, showcasing our financial strength and stability. While members can visit us at 200 Spring St, official correspondence should be sent to 200 Spring Street, Herndon, VA 20170-5241. If you ever need assistance or want to explore your options with us further, feel free to reach out at 703-709-8900. Our dedicated team of over 543 employees is here to help you navigate your financial future. Under the leadership of CEO Jeff Bentley and Board President Gerrianne Burks, Northwest is more than just a credit union; we are a community-focused institution committed to making a positive impact on the lives of our members. We invite you to explore our services further on our website at nwfcu.org. Whether you're looking for a new loan or simply want to learn more about how we can assist you financially, we're here to support you every step of the way!

Branch History & Mission

Commitment to Innovation

As times change, so do we. At Northwest, we're committed to embracing digital advancements that make banking easier for you. From online banking to mobile payments, we provide tools that cater to your busy lifestyle while ensuring accessibility for everyone. Our facilities are designed with ADA compliance in mind so that all members can enjoy full access to our services.

Join Us!

We invite you to experience everything Northwest has to offer. Whether you're looking for your first bank account or seeking advice on mortgages or loans, our friendly staff is here to assist you during our operating hours from 7:30 AM to 3:30 PM on weekdays. While you can visit us at 200 Spring St, official correspondence should be sent to 200 Spring Street, Herndon, VA 20170-5241 if needed. Join us today and discover how being a member of Northwest can benefit you financially and strengthen your connection within the community! For more information about membership or services available at our branch, call us at 703-709-8900 or explore our website at nwfcu.org. Together, let's build a brighter future!

Mission Statement

Our mission at Northwest is simple yet powerful: to enhance the financial well-being of our members while fostering a sense of community. We believe that everyone deserves access to affordable financial solutions that can help them achieve their dreams. This commitment drives us to offer a wide range of services including checking and savings accounts, auto loans, mortgage financing, personal loans, and rewarding credit card options. In addition to traditional banking services, we also prioritize community outreach and support initiatives. Our partnerships with local organizations help us make a real impact in Herndon and beyond. We strive to create opportunities for growth and development within the communities we serve.

Branch Location & Accessibility

Accessibility Features

At Northwest, we prioritize accessibility for all our members. Our branch complies with ADA standards, ensuring that everyone can access our services without any hassle. There are ramps available for easy entry and ample parking space right outside the building, allowing for a smooth visit.

Get in Touch

If you have any questions or need assistance, don't hesitate to give us a call at 703-709-8900. We look forward to welcoming you at Northwest Credit Union where your financial journey begins!

Operating Hours

Our lobby hours are designed with your convenience in mind. We're open from 7:30 AM to 3:30 PM on weekdays, so you can find a time that fits into your schedule. Whether you're stopping by before work or during lunch breaks, we're here to assist you.

Services Offered

At Northwest Credit Union, we offer a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Need quick cash? Our ATM is available on-site for withdrawals and balance checks. While we don't currently offer drive-thru banking or shared service centers, our friendly staff is always ready to help you inside the branch.

Member Eligibility

At Northwest, we believe that everyone deserves a place in our supportive community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the areas we serve, you're likely eligible to join us. We also extend membership to immediate family members of current members, making it easy to share the benefits with your loved ones. For detailed eligibility criteria, feel free to check out our website at https://www.nwfcu.org/membership/. Once you're ready to take the next step, opening an account is just as easy! You can start the process online or visit us in person at our branch located at 200 Spring St Herndon Va 20170. If you have any questions along the way, don't hesitate to give us a call at (703) 709-8900. Join Northwest today and experience the advantages of being part of our thriving community!

Business Banking & Commercial Services

Merchant Services That Matter

In today's fast-paced market, having reliable merchant services can set your business apart. Imagine seamlessly accepting payments from customers whether in-store or online without the hassle of complicated setups. At Northwest, we offer practical merchant solutions that cater to your business's everyday transactions. Our services streamline payment processing, allowing you to focus on what truly matters: serving your customers and growing your venture. For more information about how we can support your business, visit us at 200 Spring St Herndon Va 20170 in Herndon, VA, or call us at (703) 709-8900. Let's take your business to the next level together!

Supporting Your 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.

Comprehensive List Of Services

Business Services

For our business members, we have tailored solutions that include comprehensive Business Banking services such as Merchant Services and Business Loans. We are dedicated to supporting local businesses in their growth journeys by offering flexible financing options and tools.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features at Northwest. With our robust Online & Mobile Banking platform, you can manage your accounts anytime, anywhere. Features like ATM & Cash Withdrawal Services ensure that accessing your funds is straightforward whether through a basic ATM for quick withdrawals or balance checks.

Loans and Credit Options

We understand that life can throw unexpected expenses your way. That's why we offer Personal Loans & Debt Consolidation options to help you regain control over your finances. Additionally, our Credit Cards with Rewards provide great benefits for everyday purchases, allowing you to earn while you spend.

Member Support

Our commitment goes beyond just offering services; it's about building relationships. If you have questions or need assistance, feel free to reach out at (703) 709-8900 during our operating hours from 7:30 AM to 3:30 PM on weekdays. We're always here to support you with any financial inquiries. At Northwest, we aim to make every member feel valued and empowered in their financial journey. Explore all that we have to offer and see how we can assist you in achieving your goals today! Visit us online at Headquarters or stop by our branch at 200 Spring St Herndon Va 20170 for personalized service!

Personal Banking

Our personal banking services offer something for everyone. You can open Checking & Savings Accounts that fit your lifestyle, allowing you to manage your day-to-day expenses effortlessly. If you're thinking about purchasing a car, our Auto Loans & Vehicle Financing options make it simple and affordable to get behind the wheel of your dream vehicle. For those considering homeownership or refinancing their existing mortgage, we provide competitive Mortgage Loans & Refinancing solutions designed with your needs in mind.

Digital & Online Banking

Key Features for Your Convenience

One of the standout features is the availability of e-statements. Say goodbye to paper clutter and hello to quick access to your financial statements! You can view and download your e-statements whenever needed, giving you a clear picture of your spending habits. Need to send money quickly? With our person-to-person transfer feature, sending money to friends or family is just a few taps away. Plus, if you're on the go, our mobile application makes banking even more accessible. You can check balances, make payments, and even set up mobile payments for added flexibility in how you handle transactions. While we don't currently offer electronic signature authorization, we prioritize your security with other features that protect your information. Our systems are designed with top-notch security measures so that you can bank confidently. In summary, Northwest's digital banking options not only enhance accessibility but also empower you with real-time account management. Experience the ease and reliability of modern banking visit us today at https://www.nwfcu.org/ and discover how we can support your financial journey!

Financial Strength

A Growing Member Base

With a total of 456,054 share accounts, we have built a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at zero due to our strategic focus on direct benefits for members rather than external investors. 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.

Member-Centric Focus

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. We focus our resources on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinventing Banking for You

With $467,384,474 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our robust lending capacity is highlighted by $49,311 in used auto loans and a total of $2,777,962,163 in loans and leases available to support your financial goals across various sectors. Our operational efficiency is reflected in our net income of $19,915,969, which enables 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.

Solid Financial Health

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 1092 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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. Whether you're interested in financing a new or used vehicle, our team is here to assist you through every step of the process.

Business Financing

For business owners, our outstanding commercial loans totaling $55,100,525 provide the capital needed to grow and expand your operations. We're dedicated to supporting local businesses and fostering economic growth within our community. If you're considering refinancing any existing loans or exploring eligibility options, we encourage you to reach out to us directly at (703) 709-8900. Our knowledgeable staff can help clarify any questions you may have regarding your options. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Northwest, we're not just about lending; we're about building lasting relationships with our members while providing them with the tools they need for financial success. Visit us today or check out our website for more information on how we can help you achieve your financial dreams!

Credit Lines

Our total credit lines amounting to $2,946,650,803 provide additional support for those who need quick access to funds. Whether for personal use or business needs, our credit line solutions are designed for convenience and ease of access.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $293,786,036, make buying or refinancing simple. We aim to guide you through your mortgage journey with competitive rates and personalized service.

Unsecured Credit Card Loans

For those looking for flexibility, we also offer unsecured credit card loans, with a total of $70,969,625 in loans helping members manage their finances effectively. This option allows you to enjoy benefits without collateral requirements, making it easier to handle unexpected expenses or make purchases.

Loan Aggregator

Benefits of Using LendMesh

One of the key strengths of LendMesh is its use of verified data. Loan offers are sourced from legitimate financial institutions, ensuring that users see genuine options without hidden agendas. Additionally, LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This commitment to neutrality means users can trust that they are seeing the best available options tailored to their needs. Moreover, LendMesh provides real-time rate comparisons. Users benefit from up-to-date loan rates from multiple institutions, helping them to make well-informed choices quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this tool. If you're looking for a way to navigate the complex world of loans more easily, compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.