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Smart Growth Certificate

CD’s don’t have to be just for retirement!

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Saving Made Easy

With our Smart Growth certificate, you may add funds anytime, anywhere, without extending the term. It’s the perfect way to start saving for any of life’s future expenses.  All it takes is a $100 deposit to get started. So what are you waiting for?


  • Add additional money to the certificate anytime over its lifetime
  • $100 minimum to open
  • 36, 60 & 84 month terms available
  • Insured by the NCUA up to $250,000
  • Free online banking and eStatements

  • Online Application
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  • Account Opening
Open Account

Rates as high as

1.85 % APY*

All Rates


All rates are subject to change. Early withdrawal penalties may apply. For all other terms and fees for each account, contact your branch for the applicable disclosure statement(s). Any fees assessed could reduce earnings on this account. Other terms and conditions may apply, see Credit Union for full details. All certificates may be opened as an IRA investment and almost all can be opened as an HSA. For more information on which IRA option is right for you please consult with your tax advisor

Variable Rate CD with a guaranteed minimum floor rate; contact the credit union for details. Additional deposits will not extend the term or advance the Maturity Date. One (1) annual withdrawal of 10% of the principal balance is allowed without penalty, unless opened as an IRA, in which case IRA rules apply.


In an effort to help mitigate the spread of the coronavirus (Covid-19) and to protect the health of our members and employees, NW Preferred will be closing access to our Stayton and Portland (Tigard) branch lobbies beginning Tuesday, March 24th. After Monday, we will be available to assist members with specific or unique needs, by appointment only, based on our available resources.

Remember you can easily access your NW Preferred accounts, 24 hours a day, via online or mobile banking. You can also locate nearby ATMs by using our mobile app or texting your location (address, intersection, or zip code) to 91989.

Most importantly, stay well.