Northwest Community Credit Union (NWCCU) offers competitive loan rates, dividend-bearing savings, and member-focused banking solutions throughout Morton Grove and the Chicagoland area. Explore mortgages, auto loans, credit cards, CDs, IRAs, and convenient online banking—all designed to support your long-term financial well-being. Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today You work hard for your money— make it work harder for you. As a member-owned, not-for-profit credit union, we offer lower rates, stronger returns, personalized service, and 24/7 access—so your money goes further, every day. Deposits are insured up to $500,000. A better direction in banking. Become A Member Today AutoMarketplace A new way to navigate the car-buying process. Check rates in real time and use built-in tools to understand what fits your budget. Get pre-qualified with confidence, then search and find your next vehicle. A better direction in banking. Begin Your Search HomeMarketplace A new way to navigate the home buying process. Check rates in real time, and use built-in calculators to see what you can comfortably afford. Get pre-qualified with confidence, then search and find your home. A better direction in banking. Begin Your Search Prepare Your Student With Checking+ Credit Open a NWCCU free interest-bearing checking account at 2.5% APY** bundled with a low-interest Student Visa Card with 12% APR* . A better direction in banking. Apply Now Insured up to $500,000. Your deposits are protected up to $500,000 through a combination of American Share Insurance and Excess Share Insurance Corporation coverage. That's up to 2X the protection offered by many financial institutions, helping safeguard the money you've worked hard to earn. Become A Member What are you planning today? Purchase A Car Start Saving Borrow Banking Rates Auto Rates As Low As 4.50% APR* Personal Loans As Low As 8.74% APR* Credit Cards As Low As 8.95% APR* Learn how to save .50% off your mortgage rate View More Rates Apply For A Home Loan Member Marketplaces Search with confidence. Get exclusive member benefits and trusted tools in one place. Auto Loan Application Home Loan Application Member Marketplaces

Explore competitive loan rates from NWCCU, including auto, mortgage, credit card, and personal loans. Flexible terms, lower fees, and member-focused solutions designed to help you borrow with confidence. Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. SBA Community Explore SBA-backed solutions with resources and support designed to help your business grow with confidence. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore SBA-backed solutions with resources and support designed to help your business grow. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Send and receive money with Log in and enroll We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app. Using your email address or U.S. mobile number, log in to your online banking account or mobile banking app and enroll in Bill Pay. Once your account is verified, return to Bill Pay and select the "Send Money With Zelle®" tab. Easily start today using just your email address or U.S. mobile number: Enroll or log in to Bill Pay Select "Send Money With Zelle®" Accept Terms and Conditions Select your U.S. mobile number or email address and deposit account That's it! You're ready to start sending and receiving money with Zelle®. Don't have our mobile app? Download it for free: Follow these simple tips to ensure your money is sent safely: Know Only use Zelle® to send money to friends, family and other people you trust. Verify Make sure your recipient's name, U.S. mobile phone number and email address are correct before sending money. Be Aware If a payment situation feels off, it probably is. Trust your gut and investigate. Watch the video to learn more about Zelle®! Frequently Asked Questions How do I use Zelle®? You can send, request or receive money with Zelle®. To start using Zelle® at Northwest Community CU, you must be enrolled in Bill Pay. If you are not already enrolled in Bill Pay, you can enroll by logging in to Online Banking or our mobile banking app. Locate the log in and enroll tab and follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay, you can access "Send Money With Zelle®" tab in Bill Pay to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle®. To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes if they are already enrolled with Zelle®. To request money using Zelle®, choose "Request," select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request." If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number. To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your account, typically within minutes. If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps: Click on the link provided in the payment notification you received via email or text message. Select Northwest Community CU. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money. How do I receive money that someone sent me with Zelle®? If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes. If you have not yet enrolled with Zelle®, follow these steps: Click on the link provided in the payment notification you received via email or text message. Select Northwest Community CU. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification — you should enroll with Zelle®using that email address or U.S. mobile number where you received the notification to ensure you receive your money. Is my information secure? Keeping your money and information safe is a top priority for Northwest Community CU. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe. Who can I send money to with Zelle®? Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.¹ Since money is sent directly from your bank account to another person's bank account within minutes,¹ Zelle® should only be used to send money to friends, family and others you trust. If you don't know the person or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). What if I want to send money to someone whose bank or credit union doesn't offer Zelle®? As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com . If their bank or credit union is not listed, we recommend you use another payment method at this time. Can I use Zelle® internationally? In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S. Can I reverse or cancel a payment? No, Zelle® payments cannot be reversed. You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our support team at (800) 223-5664 for assistance with canceling the pending payment. If the person you sent money to has already enrolled with Zelle® through their bank or credit union's mobile app or online banking, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you know and trust, and always ensure you've used the correct email address or U.S. mobile number when sending money. If you sent money to the wrong person, please immediately call our support team at (800) 223-5664 to determine what options are available. What are scheduled and recurring payments? We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student. Scheduled or recurring payments sent directly to your recipient's account number (instead of an email address or mobile number) are made available by Northwest Community CU but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account. Are there any limits for sending and receiving money with Zelle®? The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Northwest Community CU send limits, call our service at (800) 223-5664. There are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you. How do I use a Zelle® QR code? Zelle® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number. To locate your Zelle® QR code, log into the Northwest Community CU, click “Send Money with Zelle®”. Next, go to your “Zelle® settings” and click “Zelle® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code. To send money, log into the Northwest Community CU, click “Send money with Zelle®”, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient's Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it's always important to confirm the recipient is correct by reviewing the displayed name before sending money. I believe I have been a victim of a scam. Whom should I contact? Please contact our support team at (800) 223-5664. Qualifying imposter scams may be eligible for reimbursement. Does Northwest Community CU or Zelle® offer purchase protection? Neither Northwest Community CU nor Zelle® offers purchase protection for payments made with Zelle® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you've used the correct email address or U.S. mobile number when sending money. Get Started Now! Log in and enroll ¹To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes. Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.

Review NWCCU’s Terms of Use to understand the guidelines, responsibilities, and conditions for accessing and using our website and digital services. Clear policies designed to protect both members and the credit union. Terms of Use The Northwest Community Credit Union Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Northwest Community Credit Union Web Site constitutes your agreement to all such terms, conditions, and notices. Modification of these terms of use: Northwest Community Credit Union reserves the right to change the terms, conditions, and notices under which the Northwest Community Credit Union Site/Services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the Northwest Community Credit Union Site/Services constitutes your agreement to all such terms, conditions, and notices. Personal and non-commercial use limitation: Unless otherwise specified, the Northwest Community Credit Union Site is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Northwest Community Credit Union site. Links to third party sites: The Northwest Community Credit Union Site/Services may contain links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of Northwest Community Credit Union and Northwest Community Credit Union is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Northwest Community Credit Union is not responsible for webcasting or any other form of transmission received from any Linked Site nor is Northwest Community Credit Union responsible if the Linked Site is not working appropriately. Northwest Community Credit Union is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Northwest Community Credit Union of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties (including advertisers) included within the Northwest Community Credit Union Site/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. Northwest Community Credit Union shall not be responsible or liable for any part of any such dealings or promotions. No unlawful or prohibited use: As a condition of your use of the Northwest Community Credit Union Site/Services, you will not use the Northwest Community Credit Union Site/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Northwest Community Credit Union Site/Services in any manner which could damage, disable, overburden, or impair any Northwest Community Credit Union Site/Service(s) (or the network(s) connected to any Northwest Community Credit Union Site/Service(s)) or interfere with any other party's use and enjoyment of any Northwest Community Credit Union Site/Service(s). You may not attempt to gain unauthorized access to any Northwest Community Credit Union Site/Service, other accounts, computer systems or networks connected to any Northwest Community Credit Union Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Northwest Community Credit Union Sites/Services. Service Contact: info@nwccu.com Termination/Access Restriction: Northwest Community Credit Union reserves the right, at its sole discretion, to terminate your access to the Northwest Community Credit Union Site/Services and the related services or any portion thereof at any time, without notice. Northwest Community Credit Union may also terminate or suspend your access to Northwest Community Credit Union Site/Service(s) for inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by Northwest Community Credit Union. Upon termination of the Northwest Community Credit Union Site/Service, your right to use the Northwest Community Credit Union Site/Service immediately ceases. Northwest Community Credit Union shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party. Copyright and trademark notices: All contents of the Northwest Community Credit Union Web Site is: © 2021 Northwest Community Credit Union. All Rights Reserved and/or its suppliers, 8930 Waukegan Rd., Morton Grove, IL 60053. Any rights not expressly granted herein are reserved. Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

Explore NWCCU’s resources for helpful tools, financial education, and practical guidance. Access calculators, articles, and information designed to support smarter decisions and strengthen your long-term financial well-being. Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. SBA Community Explore SBA-backed solutions with resources and support designed to help your business grow with confidence. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore SBA-backed solutions with resources and support designed to help your business grow. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Login Join Today Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Real benefits designed to make your financial life easier. A better direction in banking. Make A Payment Making a payment is easy. Making a payment has never been easier! At Northwest Community Credit Union, we understand that convenience is key, so we've streamlined the process for you. Just click the button below to make your payment quickly and securely. Make A Payment Secure File Transfer Access to the Secure File Exchange. Every file is protected from the moment you upload it, ensuring your personal and financial information stays confidential. Secure Upload E-Services Mobile Banking | Digital Wallet Get instant access to your account and loan information, transfer funds, view account history, or locate the nearest ATM all from the convenience of your mobile device with our mobile first website. Or download the FREE NWCCU mobile app Mobile Apps Disclosure Gift Cards Staying on top of your credit has never been easier. Credit Sense - Access your credit score, full credit report, credit monitoring, financial tips, and education. All of this without impacting your credit score. You can do this ANYTIME and ANYWHERE for FREE. It is easy to get started - log into mobile or online banking and enroll now! Benefits of Credit Score Daily Access to your Credit Score Real-Time Credit Monitoring Alerts Credit Score Simulator Personalized Credit Report Special Credit Offers And more! Express Pay Get paid up to two days* in advance with Express Pay. With Express pay you could get your payroll, social security, disability, pension, and tax returns earlier. Just set up direct deposit with your employer and leave the rest to us. Credit Sense As one of the most trusted brands in the world, Visa Gift Cards can be used anywhere Visa cards are accepted. Commemorating a birthday, wedding anniversary, school graduation or a fun way to just say thanks, our Visa Gift Cards fit all occasions and budgets. Never worry about finding the right size, color or style for your gift recipients. Stop by our office or call us for details. *With Express Pay, you may receive a direct deposit up to two days earlier if you have a recurring qualified direct deposit. The timing of Express Pay deposits depends on when funds are received from your employer or other payors. Deposits are not guaranteed to be available before their scheduled settlement date. Certain types of direct deposits may not be eligible. Express Pay is included automatically with your account at no extra charge. Accounts must remain in good standing to use Express Pay. Automatic payments linked to direct deposit will be processed as usual. Automatic transfers set by date are not impacted by Express Pay. Home Banking View account history and activity for checking, savings and loan accounts. Transfer money and pay bills with FREE bill pay any time. Pay monthly bills Pay individuals Transfer funds from NWCCU account to another FI account Set up recurring payments Mobile Deposit Mobile Deposit allows NWCCU members to conveniently make secure deposits anytime, anywhere using their iPhone or Android smartphones. Save gas and time just by snapping a quick picture of your deposit! Deposit your checks on the go Easy access through mobile banking No forms to fill out Contact Us Frequently Asked Questions Requirements for NWCCU Mobile Deposit Must be a CU member for one month (minimum) with account(s) in good standing Access to an iPhone or Android phone Access to NWCCU Home Banking site Access to NWCCU Mobile app Calculators Loan Calculators How much will payments be? What if I made bi-weekly payments? Retirement Calculators Am I saving enough for retirement? How does an IRA, Roth IRA and Traditional Savings compare? Savings Calculators What will my savings be worth? Mortgage Calculators Should I refinance? What will my payment be? Savings Calculators What will my savings be worth? Debt Calculators Debt Calculators How can I pay off my debt? Where is my debt ratio? Should I consolidate my debt? Calculators Shared Branch Network More branches. More flexibility. More convenience. With our nationwide Shared Branch Network, you have access to thousands of credit union locations across the country. Walk into any participating branch and handle your everyday banking—make deposits, withdraw funds, pay loans, or check your account, with the same ease and friendly service. Locate Shared Branches ATM Locator Where is the closest ATM? Find your nearest surcharge free ATM Search Zelle® Zelle® Paying bills, sending money, or covering everyday expenses should feel effortless. Zelle® is built to keep things simple, fast, and secure so you can move money when and where you need to. It’s money movement made easy, powered by NWCCU. Learn More EZ Card EZ Card Info is now assessable through NWCCU online banking. Want to check your credit card history, make payments from other financialinstitutions, or redeem your scorecard points? No worries—just log intoyour account from either your desktop or mobile app and click on the creditcard. The system will automatically connect you to EZ Card Info! Make sure you register your credit card at ezcardinfo.com first for automatic access. EZ Card Information Calculators Whether you're comparing loan options, maping out a savings plan, or building a monthly budget, these tools help you see the impact of your choices before you make them. Loan Calculators How much will my payments be? What if I made bi-weekly payments? Retirement Calculators Am I saving enough for retirement? How does an IRA, Roth IRA and Traditional Savings compare? Debt Calculators How can I pay off my debt? Where is my debt ratio? Should I consolidate my debt? Mortgage Calculators Should I refinance? What will my payment be? Savings Calculators What will my savings be worth? Shared Branch Network Benefits No Annual Fees Purchase Protection Rewards Mobile Worldwide Polar No No No No No Sovix No No No No No Itaka No No No No No Hexa No No No No No Targo No No No No No Hera No No No No No Axes No No No No No Our Shared Branch Network gives you convenience and flexibility with access to thousands of credit union locations across the country. Through our nationwide Shared Branch Network, you can walk into thousands of partner credit union locations and handle deposits, withdrawals, loan payments, and account inquiries. Locate Shared Branches ATM Locator Benefits No Annual Fees Purchase Protection Rewards Mobile Worldwide Polar No No No No No Sovix No No No No No Itaka No No No No No Hexa No No No No No Targo No No No No No Hera No No No No No Axes No No No No No Where is the closest ATM? Quickly search thousands of surcharge-free ATMs available through our nationwide network. Search Zelle™ Benefits No Annual Fees Purchase Protection Rewards Mobile Worldwide Polar No No No No No Sovix No No No No No Itaka No No No No No Hexa No No No No No Targo No No No No No Hera No No No No No Axes No No No No No Zelle® Paying bills, sending money, or covering everyday expenses should feel effortless. NWCCU’s Express Pay and Zelle® lets you tools are built to keep things simple, fast, and secure—so you can move money when and where you need to. It’s moving money made easy, powered by NWCCU. Install Zelle™ EZ Card Benefits No Annual Fees Purchase Protection Rewards Mobile Worldwide Polar No No No No No Sovix No No No No No Itaka No No No No No Hexa No No No No No Targo No No No No No Hera No No No No No Axes No No No No No Zelle® Sign up with ezcardinfo.com to review your credit card history, analyze your spending, or to pay your bill. EZ Card Information Fraud & Prevention Benefits No Annual Fees Purchase Protection Rewards Mobile Worldwide Polar No No No No No Sovix No No No No No Itaka No No No No No Hexa No No No No No Targo No No No No No Hera No No No No No Axes No No No No No At NWCCU, financial wellness is more than helpful information. We give you financial guidance you can trust and practical tools that help you make clearer, more confident decisions. Each article is written to simplify complex topics, offer real-world insight and empower you to take control of your financial journey at your own pace. What is phishing? All Internet users should be aware of the online scam known as "phishing" (pronounced "fishing"). Phishing involves the use of e-mail messages that appear to come from your bank or another trusted business but are from imposters. To learn more about phishing, read articles presented by FTC at www.consumer.ftc.gov Report an online scam You may also want to forward suspicious emails to the Federal Trade Commission at spam@uce.gov or contact them at www.consumer.ftc.gov or 877.IDTHEFT (877.438.4338 ). General Safety Tips While anyone can fall prey to fraud and identity theft, many ways exist to minimize your risk. Northwest Community Credit Union provides these security tips, so you can guard against fraud and identity theft. If you feel you may be a victim of identity theft, review our Identity Theft advisory in this section for more information and a list of resources. Identity Theft What is identity theft? Identity theft happens when your personal information, typically your Social Security number (SSN), is stolen and used to commit fraud or theft. The thief can use this information to rent apartments, buy cell phones, drain your bank account or obtain loans and credit cards. In worst-case scenarios, thieves can even hold a job or commit a crime using your identification. According to the Federal Trade Commission (FTC), identity theft affects nearly 400,000 people in the US each year. A person whose identity has been stolen can spend months or years and thousands of dollars to clean up the mess made of their good name or credit record. For more information about Identity Theft, please visit the FTC Website at www.consumer.gov/idtheft Order a copy of your credit report. Make sure it's accurate and includes only the activities you've authorized. Do this at least once a year to catch mistakes and fraud before they wreak havoc on your personal finances. To order your FREE yearly credit report visit www.annualcreditreport.com Email: Watch for unofficial email domains, poor grammar, unexpected attachments or fear-based language. Text Messages: Scammers often reference deliveries, tolls, or “account issues,” urging you to click a link or respond quickly. Phone Calls: If someone calls unexpectedly asking for private information or demanding payment, hang up and verify independently. Mail: Legitimate mail includes professional branding and accurate sender information. Scammers often use urgency or unfamiliar return addresses to provoke action. Online Shopping: Stick to trusted retailers, look for secure payment options and be cautious of unrealistic discounts. QR Codes: Before you scan, ask whether you trust the source — QR stickers can easily be altered or replaced. Card Skimmers: Inspect ATMs, gas pumps, and payment terminals for loose parts or unusual colors. Use Tap to Pay or chip inserts when possible. Social Media: Be cautious of unknown friend requests, duplicate profiles, suspicious links, and “Is this you?” Protecting Your Credit Enroll in free credit monitoring with Savvy Money. Freeze your credit through the bureaus when needed — for adults, children, and elders. Review your credit report monthly. Resources Theft: Federal Trade Commission — 877.IDTHEFT (877.438.4338 ) Social Security Number Theft and Misuse: Social Security Administration Mail Theft: United States Postal Service Phone Fraud: Federal Communications Commision Fraud Alerts: Federal Trade Commission, Consumer Information Credit Bureaus Equifax: To report fraud, Call: 800.525.6285 Write: P.O. Box 740241, Atlanta, GA 30374-0241 Experian: To report fraud, call: 888.EXPERIAN (888.397.3742 ) Write: P.O. Box 9532, Allen, TX 75013 TransUnion: To report fraud, Call: 800.680.7289 E-mail: fvad@transunion.com Write: Fraud Victim Assistance Department, P.O. Box 6790, Fullerton, CA 92834-6790 Opt-out Organizations To opt out of receiving pre-screened credit card offers, please call 888.5.OPTOUT (888.567.8688 ). Federal "Do Not Call" Registry Department of Motor Vehicles (DMV) Check with your state DMV to learn more about their policies on sharing personal information with other agencies. Direct Marketing Association Direct Mail Marketers Telemarketing E-mail Newsletter Benefits No Annual Fees Purchase Protection Rewards Mobile Worldwide Polar No No No No No Sovix No No No No No Itaka No No No No No Hexa No No No No No Targo No No No No No Hera No No No No No Axes No No No No No Stay informed, inspired and connected with NWCCU. Our latest newsletter will keep you up to date and informed on what’s happening at NWCCU. Download February 2026 Fee Schedule Benefits No Annual Fees Purchase Protection Rewards Mobile Worldwide Polar No No No No No Sovix No No No No No Itaka No No No No No Hexa No No No No No Targo No No No No No Hera No No No No No Axes No No No No No Transparent table of all account and service fees. Our Fee Schedule lays out every account and service charge in a clean, easy-to-understand format, so you always know what to expect.

Explore competitive loan rates from NWCCU, including auto, mortgage, credit card, and personal loans. Flexible terms, lower fees, and member-focused solutions designed to help you borrow with confidence. Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. SBA Community Explore SBA-backed solutions with resources and support designed to help your business grow with confidence. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Login Join Today Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore SBA-backed solutions with resources and support designed to help your business grow. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Banking Savings Accounts Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close From fraud protection to fee transparency, we give you the tools to manage your money with confidence. A better direction in banking. Fraud & Prevention At NWCCU, financial wellness is more than helpful information. We give you financial guidance you can trust and practical tools that help you make clearer, more confident decisions. What is phishing? All Internet users should be aware of the online scam known as "phishing" (pronounced "fishing"). Phishing involves the use of e-mail messages that appear to come from your bank or another trusted business but are from imposters. To learn more about phishing, read articles presented by FTC at www.consumer.ftc.gov Report an online scam You may also want to forward suspicious emails to the Federal Trade Commission at spam@uce.gov or contact them at www.consumer.ftc.gov or 877.IDTHEFT (877.438.4338 ). General Safety Tips While anyone can fall prey to fraud and identity theft, many ways exist to minimize your risk. Northwest Community Credit Union provides these security tips, so you can guard against fraud and identity theft. If you feel you may be a victim of identity theft, review our Identity Theft advisory in this section for more information and a list of resources. Identity Theft What is identity theft? Identity theft happens when your personal information, typically your Social Security number (SSN), is stolen and used to commit fraud or theft. The thief can use this information to rent apartments, buy cell phones, drain your bank account or obtain loans and credit cards. In worst-case scenarios, thieves can even hold a job or commit a crime using your identification. According to the Federal Trade Commission (FTC), identity theft affects nearly 400,000 people in the US each year. A person whose identity has been stolen can spend months or years and thousands of dollars to clean up the mess made of their good name or credit record. For more information about Identity Theft, please visit the FTC Website at www.consumer.gov/idtheft Order a copy of your credit report. Make sure it's accurate and includes only the activities you've authorized. Do this at least once a year to catch mistakes and fraud before they wreak havoc on your personal finances. To order your FREE yearly credit report visit www.annualcreditreport.com Email: Watch for unofficial email domains, poor grammar, unexpected attachments or fear-based language. Text Messages: Scammers often reference deliveries, tolls, or “account issues,” urging you to click a link or respond quickly. Phone Calls: If someone calls unexpectedly asking for private information or demanding payment, hang up and verify independently. Mail: Legitimate mail includes professional branding and accurate sender information. Scammers often use urgency or unfamiliar return addresses to provoke action. Online Shopping: Stick to trusted retailers, look for secure payment options and be cautious of unrealistic discounts. QR Codes: Before you scan, ask whether you trust the source — QR stickers can easily be altered or replaced. Card Skimmers: Inspect ATMs, gas pumps, and payment terminals for loose parts or unusual colors. Use Tap to Pay or chip inserts when possible. Social Media: Be cautious of unknown friend requests, duplicate profiles, suspicious links, and “Is this you?” Protecting Your Credit Enroll in free credit monitoring with Savvy Money. Freeze your credit through the bureaus when needed — for adults, children, and elders. Review your credit report monthly. Resources Theft: Federal Trade Commission — 877.IDTHEFT (877.438.4338 ) Social Security Number Theft and Misuse: Social Security Administration Mail Theft: United States Postal Service Phone Fraud: Federal Communications Commision Fraud Alerts: Federal Trade Commission, Consumer Information Credit Bureaus Equifax: To report fraud, Call: 800.525.6285 Write: P.O. Box 740241, Atlanta, GA 30374-0241 Experian: To report fraud, call: 888.EXPERIAN (888.397.3742 ) Write: P.O. Box 9532, Allen, TX 75013 TransUnion: To report fraud, Call: 800.680.7289 E-mail: fvad@transunion.com Write: Fraud Victim Assistance Department, P.O. Box 6790, Fullerton, CA 92834-6790 Opt-out Organizations To opt out of receiving pre-screened credit card offers, please call 888.5.OPTOUT (888.567.8688 ). Federal "Do Not Call" Registry Department of Motor Vehicles (DMV) Check with your state DMV to learn more about their policies on sharing personal information with other agencies. Direct Marketing Association Direct Mail Marketers Telemarketing E-mail Newsletter Stay informed, inspired and connected with NWCCU. Our latest newsletter will keep you up to date and informed on what’s happening at NWCCU. Download February 2026 Download July 2026 Fee Schedule Service fees Our Fee Schedule lays out every account and service charge in a clean, easy-to-understand format, so you always know what to expect.

Explore competitive loan rates from NWCCU, including auto, mortgage, credit card, and personal loans. Flexible terms, lower fees, and member-focused solutions designed to help you borrow with confidence. Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. SBA Community Explore SBA-backed solutions with resources and support designed to help your business grow with confidence. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore SBA-backed solutions with resources and support designed to help your business grow. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close

The NWCCU CRO Notice outlines your rights under the Credit Repair Organizations Act. It explains important consumer protections related to credit repair services, including your right to cancel certain agreements and to receive clear disclosures. This notice ensures transparency and helps you understand your rights when evaluating credit-related services or financial guidance. State of Illinois Community Reinvestment Notice The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department. Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

Explore NWCCU banking solutions designed for everyday convenience and long-term financial stability. Enjoy free checking, dividend-bearing savings, online and mobile banking, and member-focused service built around transparency, flexibility, and competitive value. Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. SBA Community Explore SBA-backed solutions with resources and support designed to help your business grow with confidence. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Login Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore SBA-backed solutions with resources and support designed to help your business grow. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Login Join Today Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close A better path forward with lower costs and stronger returns. A better direction in banking. Savings Accounts Save with financial confidence. Grow with financial purpose. Every membership requires a Share Account, your savings account is your entry point to everything NWCCU offers. With a minimum balance of just $10.00 you establish your membership and gain access to better rates, lower costs, and a full range of financial tools designed to work in your favor. Are you ready to get started? Join Today Share Accounts You’re a member so your share is your savings account! Open your account today with only $10.00. Free online banking, free e-statements, free mobile banking, insurance up to $500,000 per account through ASI and ESI. Holiday, Vacation and Special Purpose Savings Requires a minimum balance of $10.00 No monthly service fee Dividend bearing Requires a minimum balance of $10.00 No monthly service fee Dividend bearing Money Market Savings Money Market Savings An easy way to save. Open with just $10.00 and enjoy dividend earnings with no monthly service fee. A simple, flexible way to grow your savings and keep access to your funds. Join Today CDs & IRAs Reliable growth for your short and long-term plans. With flexible terms and fixed rates on NWCCU Certificates of Deposit, you decide how long you want to save and exactly what you’ll earn. A minimum balance of $1,000 is required to open. Funds are locked in for the full term, and early withdrawals are subject to penalties that can reduce earnings. Your deposits are protected with additional coverage through ASI/ESI insurance. The same terms and rates also apply to IRA and Roth IRA share certificates. Open a Certificate in Four Steps Choose your term Review your rate Fund your certificate Start growing your savings Join Today Better Direction Checking Your everyday spending account. Our most popular checking account is designed for everyday purchases, everyday decisions and the everyday way you want to manage your digital wallet. Join Today Choose from these three ways to open a checking account: Open your checking account when you begin your membership. Send us a secure message through your online banking account. Contact us if you’d like to ADD a checking account. Student Checking Your students everyday spending account. Interest bearing checking account with 24/7 Home and Mobile Banking, Mobile Remote Deposit, e-Statements and a Visa® Debit Card you can use anywhere, your money is always within reach. Earning interest isn’t just for savings accounts. Join Today Money Market Checking Money Market Checking Everything you need in an interest-bearing checking account, built around convenience, value and everyday access. From no minimum balance and no monthly service fees to digital banking tools and shared branching access, these features are designed to make managing your money simple, flexible and focused on you. Join Today

Online Banking Home Page Login Security At Northwest Community Credit Union, the security of your online information is important to us. You can rest assured that nobody outside of Northwest Community Credit Union has access to your account information. Signing on to view your account information from the Northwest Community Credit Union Home Page is safe. The moment you click the "Login" button, your account number and password are encrypted using Secure Sockets Layer (SSL) technology, keeping your account information secure. Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. SBA Community Explore SBA-backed solutions with resources and support designed to help your business grow with confidence. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Login Join Today Banking Smart Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Long-term ways to grow your savings over time with steady returns and potential tax advantages . Better Direction Checking Everyday access to your money with no unnecessary fees and the flexibility to manage finances. Student Checking Low-cost access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive rates and flexible auto loan options. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Flexible cards, competitive rates and everyday convenience. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Access and manage your accounts anytime, anywhere. Secure File Transfer Easily and securely make payments anytime. Make a Payment Easily make payments anytime with options that are secure and convenient. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore SBA-backed solutions with resources and support designed to help your business grow. Financial Wellness Fraud & Prevention Protect your accounts with tools and alerts designed to help detect fraud early and keep your information secure. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Clear fee information, so you always know what to expect and manage your accounts with confidence. About Benefits of Membership Better rates, fewer fees, and support that keeps your money working while staying within reach when you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information. Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Business products and partnerships with services and access to capital. A better direction in banking. About NWCCU and your business Whether you're an employer or an employee, NWCCU works for you and every dollar you earn. As a non-profit, member-owned financial institution, we're a valuable benefit that costs you nothing and gives you back more–which is a better direction in banking. About Us About Us About Us About Us Learn more about our Business Partner Program > Your employees are your company's most valuable assets. You know that recruiting and retaining the best people are the smartest way to build your business and become an integral part of the community. Business Accounts Your business deserves a financial partner that understands how you work. NWCCU offers a suite of business accounts and services built to support organizations of every size, from startups and sole proprietors to established companies and nonprofits. Each account is designed around clarity, flexibility and everyday practicality. Benefits of business membership: Earn competitive dividends Convenient account access Each account insured up to $500,000 by American Share Insurance and Excess Share Insurance Mininum balance to open/earn dividends ($10) Open your business account today What You'll Need to Get Started: Proof of EIN (IRS letter with issued EIN) Articles of Organization or Incorporation Corporate Resolution (authorized signers for the business) Social Security Number for all account signers Date of Birth for all account signers Primary and secondary identification for all signers Proof of Address for all signers Get Started *Will connect you with our team to open your account or get help preparing what you need. Business Loans Business Loans Designed for How You Operate NWCCU offers competitive business financing with personalized guidance and a streamlined process. Whether you’re managing cash flow, upgrading equipment, or expanding your operations, our team is here to help you move forward with confidence. We offer practical, flexible lending solutions backed by people who understand the realities of running a business Types of Business Loans Term Loans For long-term purchases like equipment, vehicles, or facility improvements, with predictable payments that support steady budgeting. Commercial Real Estate Loans Purchase, refinance, or renovate owner-occupied or investment commercial properties with competitive credit union rates. Commercial Vehicle Loans Financing built for business transportation—whether you’re replacing one vehicle or growing your entire fleet. Equipment Loans Upgrade, expand, or modernize your operations with financing designed for essential tools and technology. Our team will help determine whether an SBA 7(a) or 504 loan is right for your business and guide you through each step of the process, making it easier to secure the funding you need with the strongest possible foundation. NWCCU is an Advantage Illinois approved lender, providing access to state-supported financing programs that enhance small business capital availability and support economic development. 👉 Apply for a Business Loan Fast, guided application for working capital, equipment, and general business needs. Commercial Real Estate Financing Looking to purchase or refinance commercial property? Commercial real estate loans are handled through a separate application process to ensure the right structure and support for your project. Get Started Launch and Grow Guidance, tools and capital to help your business move forward. Guidance, tools, and capital to help your business move forward. A no-cost business advisory and workshop program designed to help entrepreneurs start, scale, and succeed with support from trusted community partners. Contact us for a consultation Guidance, tools, and capital to help your business move forward. A no-cost business advisory and workshop program designed to help entrepreneurs start, scale, and succeed with support from trusted community partners. What you get through Launch & Grow Business Advising One-on-one guidance tailored to your business stage Support with planning, strategy, and growth decisions Workshops & Education Practical sessions on accessing capital, SBA loans, and financial management Designed for both new and established businesses Access to Capital Guidance on preparing for financing Connection to lending solutions, including SBA and state-supported programs Community Connections Access to trusted partners and local business networks Support from organizations invested in your success Workshops: Practical guidance for growing your business. Hands-on sessions designed to give you actionable steps to move your business forward. New workshops are added regularly. Contact us to learn about upcoming sessions or reserve your spot. Upcoming Workshops: (TBD) Business Partner Program Connecting employers and employees to a better direction in banking. Benefits to Organizations NWCCU's Business Partner Program strengthens your workplace by providing employees with tools that improve financial stability and reduce stress—at absolutely no cost to your company. Business Partners Benefit From: A no-cost, value-added program to enhance employee compensation packages Support for employee financial wellness, leading to higher satisfaction and productivity Access to on-site or virtual financial education sessions tailored to your workforce A dedicated NWCCU partner representative for ongoing support Trusted banking options rooted in community, security and friendly service Becoming a business partner is simple, and it delivers measurable value for companies that want to invest in their teams. Benefits to Employees Employees and their families receive full access to NWCCU membership and its many advantages, including: Competitive loan rates for auto, home, education and more High-yield savings and investment products Free checking with no minimum balance and no hidden fees Low-interest Visa credit cards 24/7 online and mobile banking Deposit protection up to $500,000 Friendly service from local people who care Download Information Packet We're proud of our local community business partners. It's easy to get started: Connect with NWCCU as a Business Partner or to set up an account. Organizations can onboard in minutes, and employees can begin enjoying member benefits right away. Please complete the form below or call: Phone: 847.647.1030 Learn how NWCCU can help your business. First name* Last name* Email* Company name* What Type of Business?* What would you like to do today?* Business Account Business Loan Provide a credit union to your employees Looking for a loan? What type of loan are you looking for? Message* Submit

Use NWCCU’s debt ratio calculator to determine your debt-to-income ratio and better understand your borrowing power. Evaluate monthly obligations, compare scenarios, and take steps toward stronger financial stability. Have A Question Search ATMs & Locations Make A Payment A Better Direction For Members Real benefits designed to make your financial life easier. Calculators Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today

Review NWCCU’s business service requirements to understand eligibility, documentation, and account guidelines. Clear, straightforward criteria designed to help local businesses open accounts, access financing, and move forward with confidence. Have A Question Search ATMs & Locations Make A Payment Business Services Requirements Documents needed to open a business membership: Proof of EIN (IRS Letter with issued EIN) Articles of Organization/Incorporation Corporate Resolution (States who has authority to open the account and conduct business) Social Security # for ALL signers DOB (All signers) Primary and Secondary ID’s Proof of Address (All signers) Please be advised that all documents are required to open the account. There may be some instances that alternative documents may be obtained based on the type of business. Banking Savings Accounts Grow your money steadily while keeping it accessible and available whenever you need it. Money Market Savings Earn higher interest with flexible access to your funds and added earning potential over time. Certificates of Deposit & IRAs Short or Long-term strategies to increase savings with steady returns and potential tax advantages. Better Direction Checking Everyday access to your money with low or no fees and flexibility to manage your finances. Student Checking Access to everyday banking designed to help students manage money and build strong habits. Money Market Checking Higher-yield checking that gives you everyday access to your money while earning more on balances. Loans Other Loans Additional loan options designed to fit your unique needs. Student Choice Loans Flexible student loans to help cover your education costs. Personal Loans Simple loan solutions for planned and unexpected expenses. HELOC Loans Access your equity with flexible funds when and where you need it. Home Loans | Marketplace Finance options tailored to your long-term goals for your home. Auto Loans | Marketplace Competitive loan rates with flexible loan terms. Student Visa Credit Card Build credit responsibly with a card designed for students. Credit Cards Enjoy competitive fixed rates, no annual fees, and convenient daily use. Resources EZ Card Manage your card activity, alerts and controls with ease and peace of mind. Zelle Send and receive money quickly and securely with Zelle™. ATM Locator Find nearby ATMs quickly for easy access to your cash whenever you need it. Shared Branch Network Access your accounts nationwide through our shared network. Calculators Plan ahead with tools that help make informed financial decisions. E-Services Efficiently oversee your accounts with streamlined, user-friendly accessibility. Secure File Transfer A safe method for sharing confidential documents. Make a Payment Pay your NWCCU loan easily and securely. Business Solutions Business Accounts Manage your business finances with flexible accounts and tools that keep you organized and running smoothly. Business Loans Access funding with competitive rates and guidance designed to support your business as it grows and evolves. Partner Program Build partnerships that create value, expand opportunities, and provide meaningful support for your business. Small Business Workshops Explore small business workshops for your business everyday needs. Financial Wellness Fraud & Prevention NWCCU is committed to safeguarding your account information Newsletter Stay informed with updates, insights, and financial tips delivered regularly to help you make confident decisions. Fee Schedule Access our fee schedule for a transparent list of service fees. About Benefits of Membership Enjoy better rates, lower fees, and personalized support that helps your money grow—while keeping it accessible whenever you need it. Hours of Operation Flexible access to your accounts with convenient hours and digital tools that keep you connected anytime. Important Numbers Easy access to key contacts and resources, so you can get answers and support without delay. Menu Close Search ATMs & Locations Make A Payment Search ATMs & Locations Make A Payment Login Join Today