Accounts

Established in Whatcom County, Washington in 1967
Pacific NWCU membership is open to anyone who lives or works in Washington State, and has been proudly serving employees of Alcoa Intalco Works in Ferndale, Washington and their families since 1967.

Savings Accounts

Increase the value of your dollar while retaining access to your accounts. Pacific NWCU offers a number of savings products to meet your specific needs.

Kid's Club Accounts

For kids 12 and under. Because we know kids are special and deserve to learn the benefits of saving, Pacific NWCU offers higher dividend rates and prizes with every deposit! Minimum balance requirment $5.00.
Biz Kid$ is the public TV series where kids teach kids about money and business funded by America's Credit Unions. Learn more! Go to http://www.bizkids.com/

Checking Accounts

Enjoy the benefits of a checking account with Pacific NWCU.

No monthly fees
No minimum balance requirements

Individual Retirement Accounts (IRA’s)

Traditional IRA
Roth IRA
Education IRA

Anticipated Dividend Rates

Account Name	A.P.Y.	Div Rate	Dividend Paid	Minimum Balance (to earn stated dividends)
Savings (Shares)	.25%	.25%	QUARTERLY	$300
Kids Account Shares	.40%	.40%	QUARTERLY	$5
Education IRA Accounts	.40%	.40%	QUARTERLY	$5
IRA Variable Accounts	.40%	.40%	QUARTERLY	$5
Money Market Accounts	.35%	.35%	MONTHLY	$2,500

Certificates of Deposit

Share Certificates	A.P.Y.	Div Rate	Minimum Balance
6 month	.25%	.25%	$1,000
12 month	.25%	.25%	$1,000
18 month	.40%	.40%	$1,000
24 month	.40%	.40%	$1,000
6 month	.35%	.35%	$5,000
12 month	.35%	.35%	$5,000
18 month	.50%	.50%	$5,000
24 month	.50%	.50%	$5,000
7 month	.35%	.35%	$10,000

IRA Certificates

IRA Certificates	A.P.Y.	Div Rate	Minimum Balance
IRA 12 month	.35%	.35%	$5,000
IRA 18 month *traditional only	.50%	.50%	$5,000
IRA 24 month	.50%	.50%	$5,000

Rates effective October 03, 2011
APR = Annual Percentage Rate
APY = Annual Percentage Yield
Early withdrawal penalties may apply

Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We require valid government issued picture ID.

For more information on accounts at Pacific NWCU, please contact us at 360.647.0560 or 800.737.4945.

Pacific NWCU Privacy Policy

Funds Availability Policy

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government