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Auto Loans

Planning your next move? Let's make it happen.

Auto Loans
Effective Date: Wednesday, July 16th, 2025
Loan TypeTermsAPR**
New or Used Up to 84 Months 6.39% - 17.99%
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.

We are multi-year winners of The Best of the Twin Harbors - Best Place to Get an Auto Loan! The majority of our loan applications are decisioned on the same day and our application takes ~10 minutes to complete. Still have questions? Send us a text at 360-533-9990 and a local loan representative will respond during regular business hours. When you're ready, you can apply online, schedule an in-person appointment or stop by your nearest branch.

Apply Now  Schedule Appointment  Find Local Branch

Home Equity Line of Credit

Setting up base camp? Start here.

HELP - Home Equity Line of Credit - Variable Rate
Effective Date: Wednesday, July 16th, 2025
Loan TypeTermsAPR**
Up to 90% Loan to Value 10 Year Draw Period 7.50% - 9.50%

Whether you want to remodel your kitchen, buy that pool, or you're just looking for some updated paint and a little ash in your pocket - we have the home equity loan solution for you. Our Home Equity Line has a 10-year draw period and competitive rates. Still have questions? Send us a text at 360-533-9990 and a local loan representative will respond during regular business hours. When you're ready, you can apply online, schedule an in-person appointment or stop by your nearest branch.

Apply Now  Schedule Appointment  Find Local Branch

RV or Motorcycle Loans

Ready to hit the road? Let’s get you financed and on your way.

Recreational Vehicle Loans
Effective Date: Wednesday, July 16th, 2025
Loan TypeTermsAPR**
New or Used Motorcycles Up to 120 Months 7.29% - 17.99%
New or Used Motorhomes, Trailers, 5th Wheels, Campers Up to 120 Months 7.29% - 17.99%
New or Used Boats Up to 120 Months 8.29% - 18.00%
New or Used ATVs, Personal Watercraft, Snowmobiles Up to 120 Months 8.29% - 18.00%
Interest rate will decrease by .25% if enrolled with credit union automatic payments. Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.

RVs allow for outdoor activities and indoor amenities. A night in the woods can still have you feeling cozy. Motorcycle more your speed? We have the right loan to get you the bike and the gear you need to make your two-wheel dreams come true. Still have questions? Send us a text at 360-533-9990 and a local loan representative will respond during regular business hours. When you're ready, you can apply online, schedule an in-person appointment or stop by your nearest branch.

Apply Now  Schedule Appointment  Find Local Branch

Debt Consolidation Loans

Consolidate. Simplify. Breathe easier - we got you. 

Personal Loans
Effective Date: Wednesday, July 16th, 2025
Loan TypeTermsAPR**
Personal Lifestyle Loan 12-84 Months 9.99%1 - 17.99%
Line of Credit Revolving 9.99% - 17.99%

Paying high interest on store credit cards? Looking to lower your monthly payments? Life is expensive. If you have some outstanding loans that could use a revised payment schedule - we have flexible terms and solutions to fit your needs. Still have questions? Send us a text at 360-533-9990 and a local loan representative will respond during regular business hours. When you're ready, you can apply online, schedule an in-person appointment or stop by your nearest branch.

Apply Now  Schedule Appointment  Find Local Branch

Unexpected Expenses

When life veers off the path - we're here to help you stay on course.

Personal Loans
Effective Date: Wednesday, July 16th, 2025
Loan TypeTermsAPR**
Personal Lifestyle Loan 12-84 Months 9.99%1 - 17.99%
Line of Credit Revolving 9.99% - 17.99%

The only constant in life is it's unpredictability. Job loss, divorce, a sudden, new roommate? It happens. And when you need a hand up, you shouldn't be gouged with sky-high rates from a payday loan vendor. We have loans to get you through it. Still have questions? Send us a text at 360-533-9990 and a local loan representative will respond during regular business hours. When you're ready, you can apply online, schedule an in-person appointment or stop by your nearest branch.

Apply Now  Schedule Appointment  Find Local Branch

Vacation Savings

Save Now - Explore Later.

Saving funds can be hard. Especially if you're like over 60% of the population that lives paycheck to paycheck. The good news? It's easy to get started. With our online tools you can add a sub-share, setup auto transfers and use our free Money Management tool to set and track goals. And, once you've built up $500, transfer it to a certificate for a higher yield. Still have questions? Send us a text at 360-533-9990 and a local representative will respond during regular business hours. When you're ready, you can add your new share-savings account in Online or Mobile Banking, schedule an in-person appointment or stop by your nearest branch.

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College Savings

Dream big, start small—college savings made simple.

From kindergarten to college tours, we’ll help you build a savings plan that keeps your goals in sight—and your student’s future on track. You can utilize our free Money Management tool to set and track goals in Online and Mobile Banking. We have also partnered with Sallie Mae to offer student loan solutions that won't "break the bank". Still have questions? Send us a text at 360-533-9990 and a local representative will respond during regular business hours. When you're ready, you can add your new share-savings account in Online or Mobile Banking, schedule an in-person appointment or stop by your nearest branch.

Login Now  Schedule Appointment  Find Local Branch  Sallie Mae

Emergency Savings

Prepare for the unexpected - one deposit at a time.

Life happens. A solid emergency fund gives you the confidence to handle it. We’ll help you build a financial cushion that keeps you steady through life’s storms. You can utilize our free Money Management tool to set and track goals in Online and Mobile Banking. And, once you've built up $500, transfer it to a certificate for a higher yield. Still have questions? Send us a text at 360-533-9990 and a local representative will respond during regular business hours. When you're ready, you can add your new share-savings account in Online or Mobile Banking, schedule an in-person appointment or stop by your nearest branch.

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Planning for Retirement

Your future self will thank you.

It’s never too early—or too late—to plan for what’s next. We’ll help you grow your savings so you can enjoy retirement the way you’ve always imagined. You can utilize our free Money Management tool to set and track goals in Online and Mobile Banking. And, once you've built up $500, transfer it to a certificate for a higher yield.
For a more robust partnership and investment options, schedule an appointment with our Retirement & Investment Services team by using the button below. Still have questions? Send us a text at 360-533-9990 and a local representative will respond during regular business hours. When you're ready, you can add your new share-savings account in Online or Mobile Banking, or stop by your nearest branch.

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Down-Payment for Home

Plant the seed for your next big move.

Saving for your first home? We’ve got the tools, support, and accounts to help you build your down payment, one step at a time. You can utilize our free Money Management tool to set and track goals in Online and Mobile Banking. And, once you've built up $500, transfer it to a certificate for a higher yield. Still have questions? Send us a text at 360-533-9990 and a local representative will respond during regular business hours. When you're ready, you can add your new share-savings account in Online or Mobile Banking, schedule an in-person appointment or stop by your nearest branch.

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Visa Platinum Cash Card

Credit that works as hard as you do.

Visa Credit Cards
Effective Date: Wednesday, July 16th, 2025
Loan TypeTermsAPR**
Visa Classic Revolving. Fixed Rate. 9.90% - 16.90%
Visa Platinum Cash Revolving. Variable. 18.00%

Our credit cards are built for your daily life - simple, reliable, and free of surprise fees. Enjoy convenient purhasing power and peace of mind, backed by the power of Visa and serviced by your local credit union team. Send us a text at 360-533-9990 and a local loan representative will respond during regular business hours. When you're ready, you can apply online, schedule an in-person appointment or stop by your nearest branch.

Apply Now  Schedule Appointment  Find Local Branch

Visa Classic Card

Start strong. Build your credit with confidence.

Visa Credit Cards
Effective Date: Wednesday, July 16th, 2025
Loan TypeTermsAPR**
Visa Classic Revolving. Fixed Rate. 9.90% - 16.90%
Visa Platinum Cash Revolving. Variable. 18.00%

Whether you’re just starting out or rebuilding, our credit cards can help you establish healthy financial habits while keeping things local, supportive, and straightforward. Our Visa Classic Card has a low, fixed interest rate and limits start as low as $100. It's the perfect card for those looking to start fresh. Still have questions? Send us a text at 360-533-9990 and a local loan representative will respond during regular business hours. When you're ready, you can apply online, schedule an in-person appointment or stop by your nearest branch.

Apply Now  Schedule Appointment  Find Local Branch

Visa Platinum Cash Card

Earn more on every dollar you spend.

Visa Credit Cards
Effective Date: Wednesday, July 16th, 2025
Loan TypeTermsAPR**
Visa Classic Revolving. Fixed Rate. 9.90% - 16.90%
Visa Platinum Cash Revolving. Variable. 18.00%

Put more money back in your pocket with every swipe. Our cash rewards credit card makes everyday purchases more rewarding - no hoops, no hassle, just simple cash back you can use however you like. Our Visa Platinum Cash Card will pay you 1.5% cash-back on all your daily purchases. Funds will be posted to your share-savings account every month. Still have questions? Send us a text at 360-533-9990 and a local loan representative will respond during regular business hours. When you're ready, you can apply online, schedule an in-person appointment or stop by your nearest branch.

Apply Now  Schedule Appointment  Find Local Branch

Youth Accounts

Start them young - watch them grow.

$100-$10,000

Our youth accounts help teach kids and teens the basics of saving, budgeting and smart spending - all with online tools that will help you monitor their spending and encourage their smart habits. You can utilize our free Money Management tool to se and track goals in Online and Mobile Banking. For a minimum opening deposit of $100 you can open Child's Certificate for higher yield. Still have questions? Send us a text at 360-533-9990 and a local representative will respond during regular business hours. When you're ready, you can schedule an in-person appointment or stop by your nearest branch to open a youth savings account.

Schedule Appointment  Find Local Branch  

Find Your Great Checking Account

We have checking accounts that fit your lifestyle.

Start Over
Are you age 55 or greater?
Yes
No
Will you use a debit card frequently (greater than 15 $5.00+ transactions monthly)?
Yes
No
Will you be setting up direct deposit?
Yes
No
Do you plan to access online or mobile banking monthly?
Yes
No
Do you plan to access online or mobile banking monthly?
Yes
No
Would you prefer higher dividends or cash-back?
Higher dividends
Cash-back
Platinum Plus Checking

Our exclusive checking account for our members age 55 or better. This account gives you what you need without unnecessary options you won't use. 

Apply Now  Learn More

Great Perks Checking

Great Perks Checking Account pays you 2.5% Cash Back and ATM Surcharge Fee Refunds every month you qualify. 

Apply Now   Learn More

Great Value Checking Account

This checking account has no monthly service charge and no minimum balance requirements for personal accounts. Account requires a $25 opening deposit. Our basic, simple, no-hassle account.

Apply Now  Learn More

Great Advantage Checking

Great Advantage Checking earns 5.0% Annual Percentage Yield on the first $10,000 and ATM Surcharge Fee refunds each month when qualifying criteria are met. 

Apply Now   Learn More

Cardholder Dispute Form

You need to file a Cardholder Dispute Form. 

Click one of the buttons below to either download the form to fill out and send to us, or login to your online banking to complete the form online. If you have any questions or need assistance, please contact us by texting or calling 360-533-9990. You will be assisted promptly during business hours. After hours messages will be returned the following business day.

Download Form  File Online

Fraudulent Dispute

You need to file a Fraudulent Dispute Form. 

If you have not already done so, block your card immediately to prevent further fraudulent activity and limit your liability. You may block your card 24/7 in Online or Mobile Banking or by calling 1-877-745-4582.

Click one of the buttons below to either download the form to fill out and send to us, or login to your online banking to complete the form online. If you have any questions or need assistance, please contact us by texting or calling 360-533-9990. You will be assisted promptly during business hours. After hours messages will be returned the following business day.

Download Form File Online

Contact Merchant

You need to attempt to resolve this issue with the merchant before filing a dispute. 

Visa regulations require cardholders to make a good faith attempt to resolve issues before filing a dispute. If you are unable to contact the merchant or the merchant is unable to resolve the issue, you may move forward with a dispute. If you have any questions or need assistance, please contact us by texting or calling 360-533-9990. You will be assisted promptly during business hours. After hours messages will be returned the following business day.

Small Business Solutions

Built for business owners who value personal service.

Whether you're just starting out or scaling up, our business accounts give you local service, great tools, and the flexibility to grow your dream. For a simple, no hassle account for the small business - we recommend our Business Basic Checking account. For the small business, community organization or non-profit entity, this account offers flexibility and low or no fees. Since no minimum balance is required, this is the perfect account to put you on the road to a positive cash flow. Also, be sure to enroll in our free Buy Local Spend Local program to encourage Great NorthWest FCU cardholders to swipe their cards at your business. Still have questions? Send us a text at 360-533-9990 and a local representative will respond during regular business hours. When you're ready, you can schedule an in-person appointment or stop by your nearest branch to open a business account.

Buy Local Spend Local  Schedule Appointment  Find Local Branch  

Direct Deposit Account

Fast. Simple. Your money, your way.

Great Advantage Checking
Effective Date: Wednesday, July 16th, 2025
NameRateAPY*
Qualifying 4.89% 5.0%
Not Qualifying .05% .05%
Qualifying Great Advantage Accounts earn the Qualifying rate on balances up to $10,000. Not Qualifying rate applies to balances over $10,000.

Get paid faster and skip the wait with direct deposit to your checking or savings account. Whether it's your paycheck, tax refund, or government benefits, we make it easy to access your funds - so you can spend more time enjoying what matters most. With direct deposit, frequent debit card use, online banking access and eStatements, our Great Advantage Checking Account will pay you dividends. Still have questions? Send us a text at 360-533-9990 and a local representative will respond during regular business hours. When you're ready, you can apply online, schedule an in-person appointment or stop by your nearest branch.

Apply Now  Schedule Appointment  Find Local Branch

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