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A Financial Partner For The Christian Community Since 1954
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Savings Accounts


Choose the savings account that's right for you

Browse our many savings options below:

Membership/Primary Savings Account

Your Primary Share Savings Account is your first step in building a relationship with us. Your initial deposit of at least $5.00 is your key to membership and ownership in Northwest Christian Credit Union. Your account earns interest and you can make regular contributions. Deposits can be made in person, by mail, payroll deduction, night depository, and direct deposit. 

  • $1 membership fee
  • $50 Minimum Deposit required to earn dividends
  • Rate adjusted monthly
  • Dividends Paid monthly

Money Market Share Accounts

A NWCCU Money Market Account combines the benefits of a CD and a regular savings account. Unlike CD’s, where you have to wait to withdraw your funds until the maturity date, you can make withdrawals anytime you’d like. There is a $5,000 minimum deposit required to open a NWCCU Money Market Account and it is possible to earn higher interest rates depending on the balance in your account!

  • $5,000 Minimum Deposit required to earn dividends
  • Rate adjusted monthly
  • Dividends Paid monthly

Term Share Certificates (CD's)

Right now, NWCCU has competitive rates of return on Share Certificates (also known as CD’s). CD's are excellent investments with the great added benefit of having minimum risk.

CD's offer higher interest than regular savings accounts and they are a far safer investment than the stock market. Share certificates offer a guaranteed rate over a specific amount of time. You have a wide variety of choices with terms varying from 6 months to 5 years.

NWCCU CD's require a minimum $1,000 deposit and dividends are paid quarterly. CALL 800.955.7775 NOW to lock in a great rate for your investment. For a look at our current CD (Term Share Certificate) rates, CLICK HERE.

Individual Retirement Account (IRA)

IRA’s are a safe and smart way to build wealth for the future while earning tax advantages today. Many financial and investment institutions require thousands of dollars in initial investment to open an IRA.  At NWCCU, you can open an IRA with an initial investment of only $50.  Also, you can choose the type of IRA that suites your investment needs the best:  Traditional or Roth IRA.

For details on the different types of IRA's, or to open one for yourself, call Member Services at 1-800-955-7775, toll free. It's your future; invest in it.

  • $50 Minimum Deposit
  • Rate adjusted monthly
  • Interest paid monthly

Idaho Medical Savings Account

Combine better health and great tax savings with an Idaho Medical Savings Account (MSA). By dedicating savings for future healthcare expenses, you'll know you'll have them when you need them.
In addition to earning dividends, you will realize multiple tax-saving benefits. The tax advantages of an Idaho MSA are available even if you do not have a high deductible health plan (HDHP), a requirement for a federal HSA.


  • Tax deductible savings account
  • Use funds to pay qualified medical expenses
  • Dividends are paid monthly

For more information contact:

Idaho State Tax Commission
In the Boise: 334-7660
Toll free: (800) 972-7660

NOTE: This account presents many tax liability issues. Please consult your tax advisor concerning your tax situation and applicable rules governing the deductibility of contributions; your ability to withdraw funds for eligible medical expenses, the penalties imposed by the State of Idaho on withdrawals made for non-medical purposes and the deductibility of dividends earned on this account.

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