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Banking

Stay connected to your money anywhere, anytime with Online and Mobile Banking, Zelle® for instant transfers, and eStatements that make record keeping simple.

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  • Better Direction Checking

    Checking built around you and your financial journey.


    Your checking account should support your everyday life, not complicate it. At NWCCU, we

    believe banking should be simple, transparent, and focused on your needs. Our Better Direction

    Checking is designed for real people for everyday purchases, everyday decisions and the

    everyday way you manage your money.


    There are no hoops to jump through, no hidden requirements, and no monthly service fees

    draining your balance. Just straightforward access, essential tools and the confidence that we’re

    working with you. Whether you’re paying bills, moving money, or managing your account on the

    go, NWCCU gives you the flexibility to bank the way you want. All backed by a dedicated team

    that knows you and puts your financial well-being first.

    Here, checking is uncomplicated, intuitive and honest.

    Exactly the way it should be.


    Features of Better Direction Checking

    • Free Checking with no monthly service fees

    • No minimum balance required

    • Home & Mobile Banking (24/7 access)

    • NWCCU Mobile Deposit

    • E-Statements

    • Unlimited check writing

    • Visa. Debit/ATM Card

    • One FREE CU Certified Draft per day

    • Direct Deposit (payroll, pension, or EFT)

    • Shared Branching Access

    • Free Instant-Issue Debit Card

    • Digital Debit Card

    • Zelle

    • Free Bill Pay

    • Express Pay * applicable to direct deposit

    • Checking Account Features & Benefits Chart

  • Simply Smart Savings

    Save with confidence. Grow with purpose.


    A strong financial future starts with a savings account you can count on. NWCCU offers simple,

    flexible options designed to help your money grow while keeping you connected to a community

    that puts people first.
     

    Whether you’re building an emergency fund, setting money aside for a major purchase, or

    planning for long-term goals, your savings should work as hard as you do. Our accounts are

    simple and easy to manage, with competitive dividends, no hidden conditions and convenient

    digital access that lets you track your progress anytime.
     

    With NWCCU, you’re not just putting money in an account, you’re partnering with a credit union

    that’s committed to your long-term well-being. Every dollar saved is a step toward greater

    stability, more options and more control over what comes next. That’s what we mean by saving

    with confidence and growing with purpose.


    Tools & Options:

    • Open an Account (Button to begin process)

    • Check Rates (Chart Graphic)

    • Benefits & Features Chart (Chart Graphic)

    • Dividend Calculator (Interactive Feature)

  • Certificates of Deposit (CDs)

    Reliable growth for your long-term plans.
     

    NWCCU Certificates provide guaranteed earnings with steady, predictable growth

    that fits your timeline.
     

    When you choose a CD with NWCCU, you’re choosing stability and an option that delivers

    dependable returns without the uncertainty of market swings. Whether you’re saving for a future

    milestone or simply want to put a portion of your money to work at a higher rate, our Certificates

    are designed to help you reach your goals with confidence.
     

    With flexible terms and fixed rates, you decide how long you want to save and exactly what

    you’ll earn. There are no surprises, no hidden conditions, and no guesswork. Just a secure,

    disciplined way to grow your savings, backed by a credit union that puts your long-term financial

    well-being at the center of every decision.


    A straightforward path. A predictable return. A better direction for your financial future.


    Open a Certificate in Four Steps:

    1. Choose your term

    2. Review your rate

    3. Fund your certificate

    4. Start growing your savings

    Benefits:

    • Fixed-rate earnings

    • Flexible terms

    • No surprises

    ​

    (CD rates & term chart GRAPHIC)

  • IRAs

    Invest in your future with clarity and confidence.
     

    NWCCU IRAs combine long-term stability with tax advantages, supported by people who care

    about your financial well-being.
     

    Planning for retirement shouldn’t feel overwhelming. The right IRA gives you structure,

    predictable growth, and the reassurance that you’re moving in the right direction. At NWCCU,

    we offer IRA options that are easy to understand and simple to manage, helping you build a

    stronger foundation for the years ahead.
     

    Whether you’re starting fresh, consolidating existing retirement funds, or fine-tuning your longterm

    plan, our IRAs give you the flexibility to choose what works best for your goals. You’ll

    benefit from competitive rates, potential tax advantages and guidance from a team that puts

    your interests first.
     

    With NWCCU, you’re not just saving for retirement, you’re partnering with people who want to

    see you thrive well into the future. Here, your long-term security is our priority and every IRA is

    built to help you move forward with purpose and peace of mind.


    Account Types:

    • Traditional IRA

    • Roth IRA

    • Rollover IRA

    IRA Certificate Terms:

    12-, 24-, 30-, and 65-month options

    • Open or

  • Perfect Timing Digital Banking

    Convenient tools that keep you connected and in control.


    Our digital banking experience is designed around convenience, security and personalization —

    giving you complete financial access from anywhere. At any time.
     

    NWCCU’s digital tools put your entire financial picture at your fingertips. Whether you're

    checking balances, paying bills, transferring money, or setting goals, everything is built to be

    intuitive and seamless. No clutter. No confusion. Just clear, reliable access whenever

    you need it.
     

    Security is at the heart of every feature. With advanced authentication, encrypted connections,

    and real-time monitoring, you can manage your money with confidence, knowing your

    information is protected at every step.
     

    And because no two members manage their finances the same way, our digital platform adapts

    to you. Track your spending, monitor your credit, organize your budget, or chat with SAM, your

    Smart Automated Member assistant, all within one clean, unified experience.

    Bank the way you live: simple, smart and always within reach.


    Features:

    • Online & Mobile Banking (Links to screen page)

    • SAM Smart Automated Member assistant (Links to screen page)

    • Bill Pay (Links to screen page)

    • Mobile Deposit (Links to screen page)

    • Money Manager (Links to screen page)

    • Your Credit Score (Links to screen page)

    • Make a Payment (Links to screen page)

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