North West Federal Credit Union

In the charming town of Middleburg, the Northwest Credit Union branch at 101 W Washington St warmly welcomes you to experience personalized financial solutions designed with your goals in mind. Open Monday through Thursday from 9:00 a.m. to 5:00 p.m., Fridays until 6:00 p.m., and Saturdays from 9:00 a.m. to 1:00 p.m., this location offers convenient drive-thru banking and a 24-hour ATM for quick access to cash withdrawals, deposits, and simple transactions.
Known for some of the best auto loans and flexible vehicle financing in Middleburg, Northwest makes it easy to get behind the wheel with competitive rates tailored to your budget. If homeownership is on your horizon, take advantage of low mortgage rates and refinancing options crafted to make buying or upgrading your home more attainable. Alongside these standout lending services, members enjoy comprehensive personal banking options including checking and savings accounts, rewarding credit cards, personal loans, debt consolidation, and business banking services.
Visit the Northwest branch at 101 W Washington St or call 703-709-8900 today to explore how our top auto loans and mortgage offerings can help you drive your financial future forward—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 the Northwest branch, your trusted financial partner located at 101 W Washington St, Middleburg, VA 20117. Established in 1947, we have proudly served our community for decades, building a solid reputation for reliability and commitment to our members. With a total membership of 283,490, we strive to create a welcoming environment where everyone can achieve their financial goals. At Northwest, we're not just about numbers; we're about people. Our dedicated team of 543 employees, led by CEO Jeff Bentley and Board President Gerrianne Burks, is here to help you navigate your financial journey with confidence. We understand that every member's needs are unique, which is why we offer personalized services ranging from checking and savings accounts to auto loans and mortgage financing. With total assets reaching an impressive $4,810,199,243 and total deposits amounting to $891,922,313, you can trust that your money is in safe hands. We also maintain a strong net worth of $526,751,159 and have $16,899,493 in cash readily available for our members' needs. While members can visit us at our Middleburg location, official correspondence should be sent to the same address: 101 W Washington St, Middleburg, VA 20117. Our friendly staff is always ready to assist you during our lobby hours Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. You can also reach us at 703-709-8900 for any inquiries or support. Join us at Northwest today! Explore our services online at nwfcu.org or stop by our branch to discover how we can help you succeed financially. Your future starts here!

Branch History & Mission

At Northwest, we take great pride in our rich history and commitment to serving the community of Middleburg, VA. Established in 1947, our branch has grown alongside the town, evolving to meet the changing needs of our members. Located at 101 W Washington St, we are a cornerstone of financial support and community engagement in Loudoun County. Over the years, Northwest has become more than just a place for banking; it's a hub where friendships are forged and dreams come to life. With over 283,490 members benefiting from our services, we have consistently focused on providing personalized banking experiences that empower individuals and families alike. Our total assets have reached an impressive $4,810,199,243, reflecting our strong foundation and ability to support our members' financial journeys. Our mission is simple yet profound: We strive to provide high-quality financial services while making a positive impact on our community. We believe that everyone deserves access to affordable banking solutions, which is why we offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and business banking services. Our team is dedicated to helping you achieve your financial goals with expert guidance tailored to your unique circumstances. In addition to traditional banking services, we embrace technology to enhance your experience. With online and mobile banking options available, members can manage their finances conveniently from anywhere. Our commitment to accessibility is further demonstrated through features like our ADA-compliant facilities and a 24-hour ATM service for those on the go. Community involvement is at the heart of what we do. We partner with local organizations and participate in outreach programs that support education, economic development, and overall well-being in Middleburg. We understand that by uplifting our community, we uplift ourselves as well. While you can visit us at our branch location for all your banking needs during operating hours Monday through Thursday from 9:00 AM to 5:00 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 1:00 PM official correspondence can be sent to the same address: 101 W Washington St., Middleburg, VA 20117. If you're looking for a financial partner who truly cares about your success and well-being, look no further than Northwest. Join us today and discover how we can help you thrive! For more information or assistance, feel free to reach out at 703-709-8900. Together, let's build a brighter future for you and our community!

Branch Location & Accessibility

Get in Touch

While members can visit us at our main location on Washington Street, any official correspondence should be directed to the same address for consistency. If you have questions or need assistance before stopping by, feel free to give us a call at 703-709-8900. We look forward to welcoming you at Northwest Middleburg Branch!

Nearby Landmarks and Accessibility

You'll find us near local favorites like the beautiful Middleburg Library and the charming shops along Washington Street. Our location ensures that you can easily pop in after visiting nearby attractions. Plus, we offer ample parking and features designed with accessibility in mind, including ADA-compliant ramps and entrances, so everyone can enjoy our services without hassle.

Operating Hours and Services

At Northwest Middleburg Branch, we understand that your time is valuable. That's why we're open Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. With extended hours on Fridays and convenient weekend access, we strive to meet your banking needs when it suits you best. Our branch provides a full range of personal banking services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking options. You can also take advantage of our drive-thru banking for quick deposits and withdrawals without leaving your vehicle. And don't forget about our ATM service available around the clock for those late-night cash needs!

Member Eligibility

Becoming a member of Northwest is like joining a family that truly cares about your financial well-being. We're excited to welcome you into our community! To qualify for membership, you simply need to meet a few friendly criteria that include living, working, or attending school in the area around 101 W Washington St Middleburg Va 20117. We believe in making banking accessible and supportive for everyone, so don't hesitate to check out the detailed eligibility guidelines at https://www.nwfcu.org/membership/. Once you're ready to take the next step, opening an account is a breeze! You can find everything you need to know about starting your journey with us at https://www.nwfcu.org/loans/mortgages/. If you have any questions or need assistance, feel free to reach out to us at (703) 709-8900. Join us today and experience the benefits of being part of Northwest, where your financial goals become our mission!

Business Banking & Commercial Services

Business Loan Options

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

In today's fast-paced environment, efficient payment solutions are vital for any business. Our merchant services offer easy-to-use payment processing tools that allow you to accept various payment methods. Imagine your customers enjoying a smooth checkout experience while you focus on running your business. This is what we strive for at Northwest. Visit us at 101 W Washington St Middleburg Va 20117 in Middleburg, VA, or give us a call at (703) 709-8900 to learn more about how our tailored banking solutions can empower your business today!

Comprehensive List Of Services

Accessing Our Services

We know that sometimes you prefer face-to-face interactions. Our branch features basic drive-thru banking for quick deposits, withdrawals, and simple transactions. For those times when you're on-the-go or prefer not to enter the branch, our ATMs provide basic access for withdrawals and balance checks. At Northwest, we pride ourselves on being more than just a financial institution; we're a community partner invested in your success. We invite you to explore how our comprehensive services can meet your needs by visiting us at 101 W Washington St Middleburg Va 20117 or giving us a call at (703) 709-8900. Experience the difference today!

Business Banking Support

For entrepreneurs and business owners, Northwest offers robust business banking services. From merchant services that simplify payment processing to customized business loans, we're committed to helping your business thrive in today's competitive environment.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking services that let you manage your finances anywhere, anytime. You can easily check balances, make transfers, and pay bills right from your smartphone or computer. Additionally, our ATM & cash withdrawal services ensure you have quick access to cash whenever you need it.

Financial Flexibility

Life can throw unexpected expenses your way, which is why we also provide personal loans and debt consolidation solutions. Whether it's an emergency or a planned expense, our loans can help ease financial stress. Plus, our credit cards with rewards allow you to earn while you spend, turning everyday purchases into opportunities for savings.

Personal Banking Solutions

For individuals and families, we offer personal banking options tailored to your lifestyle. Our checking and savings accounts are designed with your daily needs in mind, making it easy for you to manage your money effectively. Need a new car? Our auto loans and vehicle financing services help you get on the road with competitive rates and flexible terms. If you're looking to buy a home or refinance your current mortgage, our mortgage loans and refinancing options are crafted to suit various budgets and aspirations.

Digital & Online Banking

Key Services for Your Convenience

Our online platform allows you to manage your accounts with ease. You can view your balances, pay bills, and transfer funds between accounts all in real time. Plus, if you prefer paperless statements, our e-statements are available to help you keep track of your financial activities without cluttering your mailbox. For those who love mobile convenience, our mobile application provides an intuitive way to handle your banking needs right from your smartphone. With features like mobile payments and person-to-person transfers, sending money to friends or family is quick and hassle-free. Imagine being able to make payments with just a tap it's that easy!

Security Meets Simplicity

We prioritize your security, ensuring that all transactions through our online banking system are protected with top-notch encryption. While we currently do not support electronic signature authorization, rest assured that our other security measures keep your information safe. With all these services at your fingertips, you'll find that managing your finances is not only simple but also empowering. Experience the freedom of having control over your banking needs with the innovative tools at Northwest. Whether it's checking balances or making payments on the go, we've got you covered!

Financial Strength

Commitment to Our Members

Total Share Accounts stand at 456,054, showcasing a strong and growing member base that trusts us with their finances. This growth reflects not just numbers but the relationships we've built over time with each of our valued members. 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 101 W Washington St Middleburg Va 20117 or call 703-709-8900 to learn more about how we can help you achieve your financial goals.

Investment in Growth

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 supports members' financial goals with $49,311 in used auto loans and a total of $2,777,962,163 in loans and leases available for our community.

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. 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.

Operational Efficiency

Our robust operational performance is highlighted by a net income of $19,915,969, reflecting our efficiency and commitment to providing 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 team.

Strong 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 10.92% 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. We provide flexible terms tailored to fit your budget. Plus, if you're considering refinancing your current auto loan, we can help you explore those options as well.

Business Loans

For business owners looking to expand or manage cash flow, our outstanding commercial loans totaling $55,100,525 provide the capital needed for growth. We understand the unique challenges businesses face and are here to support you with personalized service and competitive rates. At Northwest Credit Union, we believe in making finance accessible and straightforward. Whether you're interested in applying for a loan or just want more information about eligibility options and refinancing possibilities, visit us online at nwfcu.org or call us today! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Our mortgage experts will guide you through the process and ensure that you find a plan that meets your financial needs.

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 come with competitive interest rates and no annual fees perfect for everyday purchases or unexpected expenses.

Loan Aggregator

Benefits of Using LendMesh

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